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  #61  
Old 26.06.2020, 20:13
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Re: US Coronavirus Stimulus Checks [Cheques]

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Nope. VPN didn't work, faking GPS location didn't work. Setting up a full Android virtual machine with hard-coded location and EN-US as the default culture code. In the end, Capital One customer support told me to just sign the check, write the account number below the signature, and post it to their office in Minnesota for a manual deposit...
Also include the words FOR DEPOSIT ONLY
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  #62  
Old 04.07.2020, 19:00
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Re: US Coronavirus Stimulus Checks [Cheques]

Update: My check dated May 15th finally arrived today.
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  #63  
Old 06.07.2020, 12:06
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cashing covid economic impact payment check

hello
i recently received my covid economic impact payment check from the u.s. treasury. i wanted to ask if anyone knew of a way i could cash this in switzerland. i no longer have a u.s. bank account and my swiss bank (post finance) will not take any checks drawn on u.s. financial institutions.
thanks for any help.
jason
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  #64  
Old 06.07.2020, 17:52
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Re: cashing covid economic impact payment check

I just got mine today in the mail, so same question. I put a message in to the US Embassy asking for advice on where to cash the check. I'll let you know if I hear anything.
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  #65  
Old 06.07.2020, 18:05
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Re: cashing covid economic impact payment check

Fortunately I still have an account (for just such hassles as this, it seems). I endorsed it and sent it to my brother who will deposit it for me.

Good luck!
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  #66  
Old 06.07.2020, 18:22
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Re: cashing covid economic impact payment check

Looks like PostFinance stopped cashing U.S. checks a while ago. Try UBS or Credit Suisse? They will probably charge a fee though if you're not a customer.

Some threads that might help (I did a search, I didn't read, so might not be 100% relevant):

https://www.englishforum.ch/finance-...-any-more.html

https://www.englishforum.ch/finance-...itzerland.html

https://www.englishforum.ch/finance-...-any-more.html

https://www.englishforum.ch/finance-...cks-where.html
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  #67  
Old 06.07.2020, 18:40
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Re: cashing covid economic impact payment check

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Looks like PostFinance stopped cashing U.S. checks a while ago. Try UBS or Credit Suisse? They will probably charge a fee though if you're not a customer.

Some threads that might help (I did a search, I didn't read, so might not be 100% relevant):

https://www.englishforum.ch/finance-...-any-more.html

https://www.englishforum.ch/finance-...itzerland.html

https://www.englishforum.ch/finance-...-any-more.html

https://www.englishforum.ch/finance-...cks-where.html
The UBS will charge you even if you are a customer. They charged me f25.- for cheques issued in CHF by their Zürich office when I cashed them in Nyon.

I thought the US government did bank transfers.?

Last edited by bowlie; 07.07.2020 at 09:15.
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  #68  
Old 07.07.2020, 09:36
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Re: cashing covid economic impact payment check

thanks everyone for your answers. i don't mind if ubs charges -- it's just a matter of getting this check cashed at all.



i did write to the u.s. emassy in bern. their reply: check with local banks! (very helpful). i thought they might've had some more precise information, but i'm sure they're overloaded with inquiries.


i'll report back with my experience at ubs.


jason
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Old 07.07.2020, 10:01
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Re: cashing covid economic impact payment check

Not a direct answer to your question but I've been successful depositing US checks with the Charles Schwab app. Not sure if you're trying to avoid US financial institutions altogether but opening an account with them could be an option.
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  #70  
Old 07.07.2020, 10:48
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Re: cashing covid economic impact payment check

hello
i'm just reporting back with my experience at ubs: they only cash checks if you have an account with ubs. they also told me that most banks in switzerland nowadays won't deal with checks drawn in u.s. dollars.
so, i'm at a bit of a loss how to proceed now...
jason
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  #71  
Old 07.07.2020, 10:51
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Re: cashing covid economic impact payment check

Yeah... it is getting harder and harder. I'll just endorse mine to someone in my family and send it back to the states.
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  #72  
Old 07.07.2020, 10:54
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Re: cashing covid economic impact payment check

Can you contact the payer and ask them to put it directly into your bank account? If they have your IBAN it should be easy ...

Or perhaps contact one of the MultiCurrency debit cards, which have dealings with banks. Revolut and TransferWise are popular. Perhaps they can accept your dollars, into your account.
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  #73  
Old 07.07.2020, 11:38
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Re: cashing covid economic impact payment check

the payer in this case is the u.s. treasury. the check is an "economic impact payment" related to the covid-19 fallout in the u.s. there is no way to ask the treasury to wire this money. they only offer checks or debit cards (which wouldn't work here either).
i don't want open an account with ubs (who would cash this check if i had an account with them) because this would just be one more thing to deal with when i file my 1040 next year.

thanks.
jason
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  #74  
Old 07.07.2020, 11:46
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Re: cashing covid economic impact payment check

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Can you contact the payer and ask them to put it directly into your bank account? If they have your IBAN it should be easy ...

Or perhaps contact one of the MultiCurrency debit cards, which have dealings with banks. Revolut and TransferWise are popular. Perhaps they can accept your dollars, into your account.
Part of the problem is that the U.S. banking system is not the same as here. They don't use IBAN. They use routing and account numbers. Thus the IRS can't just put the money in your Swiss account.

Here's a post from a thread I quoted above. Perhaps the easiest is to join ACA and open a U.S. account at SDFCU, or do to as jazh is planning and endorse to a friend or family member and mail it back.

I never understood why citizens would close out accounts before renouncing. I've needed my American bank account many times since moving here. Okay, banks do charge fees, but credit unions are brilliant and nearly fee-free. I have a credit union account with zero fees of any kind for holding an account. No direct deposit even required like at many banks. No minimum balance. My checking, savings, debit card, and credit card all are free in terms of no annual fee. The only fee I pay is foreign transactions on the credit card (often just pennies), and sometimes I lose a little on currency rates.

Yes, get a credit union account!

Edit - here's the post from the other thread:

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Hi
I just got this news from Post Finance too. Migros bank also refuses to process checks in USD. I decided to join ACA (American citizens abroad) which makes it possible to open a US account with SDFCU ( State Department Fed. Credit Union) where I can have incoming funds deposited directly and have full internet bankng servises ( as well as other services, like credit card etc.) that will allow me to tranfer my funds to my swiss bank account, and this probably with a lower fee than with the previous arrangementwith Post Finance.

Last edited by 3Wishes; 07.07.2020 at 11:48. Reason: fixed typos and added a sentence
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  #75  
Old 07.07.2020, 11:58
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Re: cashing covid economic impact payment check

Called Raiffeisenbank. They will ask for CHF 150.00 but that's only an answer on the phone I didn't try that yet.
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  #76  
Old 07.07.2020, 16:38
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Re: US Coronavirus Stimulus Checks [Cheques]

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So mine arrived today. A paper check unfortunately, not the prepaid debit cards that one can actually use. No idea how I'm going to cash this thing. My US bank won't let me do digital deposits on their app, as they "can't detect that you are in the U.S.". I tried PayPal's check deposit on their app, but since the govt combined mine and my wife's first and middle names, they "don't match the name on your paypal account"...
Our paper check arrived yesterday. I tried to deposit through my US bank's website, but it hasn't gone through yet.

Perhaps you could try a VPN service?
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  #77  
Old 07.07.2020, 18:42
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Re: cashing covid economic impact payment check

thanks everyone for your replies.
i think at this point the easiest for me would be to endorse the check and make it payable to a friend back in the u.s. the only hitch here is not all banks in the u.s. will cash an endorsed check. so, my friends will have to inquire about this before i send them the check.
hopefully this will all work out in the end.
jason
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  #78  
Old 07.07.2020, 18:48
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Re: cashing covid economic impact payment check

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Part of the problem is that the U.S. banking system is not the same as here. They don't use IBAN. They use routing and account numbers. Thus the IRS can't just put the money in your Swiss account.

Here's a post from a thread I quoted above. Perhaps the easiest is to join ACA and open a U.S. account at SDFCU, or do to as jazh is planning and endorse to a friend or family member and mail it back.

I never understood why citizens would close out accounts before renouncing. I've needed my American bank account many times since moving here. Okay, banks do charge fees, but credit unions are brilliant and nearly fee-free. I have a credit union account with zero fees of any kind for holding an account. No direct deposit even required like at many banks. No minimum balance. My checking, savings, debit card, and credit card all are free in terms of no annual fee. The only fee I pay is foreign transactions on the credit card (often just pennies), and sometimes I lose a little on currency rates.

Yes, get a credit union account!

Edit - here's the post from the other thread:
Actually, I closed my us account 5 years ago. Was tired of service charges and 0 service. I did consider joining ACA and opening a credit union account because I believe they are better than banks. However, I have no assets in the US, so I just didn’t see the need. And truth be told, I haven’t needed a US account. And I’ve not yet renounced.

I do have a credit Suisse account so I was able to deposit my retirement lump sum check there earlier this year. It was a comedy of errors. But I got the cash.
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  #79  
Old 07.07.2020, 19:41
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Re: cashing covid economic impact payment check

Jaskah, just have a member of your family in the US cash it or deposit into any account they have in the US. We have not lived in the US for 12 years but, from time to time, this issue still comes up. We just use our daughter's account in Atlanta to deal with these issues. And then she direct deposits money into our account in France. Or, she just gives us cash the next time we go to visit her.
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Old 07.07.2020, 21:04
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Re: cashing covid economic impact payment check

I have cashed checks from the United States with Credit Suisse before. I do have a savings account with them though. It would takes weeks for them to credit the balance to my account. I haven’t went through the process of cashing a check with them for a long time. I opened a account from Alliant credit union in the US some years back and that is how I was able to cash my check. They allow mobile deposits so I just took a photo of the check and they did the rest. I still however have to request a international transfer whenever I can find the time. This week has been way to busy.
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