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sarahw45 wrote:

But unfortunately I just read somewhere here that BPI isn’t accepting any US treasury checks... so Im not expecting it to work out. If anyone has any advice for me... it would be greatly appreciated. Thank you!

I had received a US Treasury Tax return check, it was made out to myself & my Filipina wife. BDO would not accept the check for deposit in her account.

There is a way for you to cash it, when every trail you try leads to a dead end. My Filipino Stepson downloaded an App on his smartphone that enabled him to snap a photo of the check and deposit it in my US Citibank account.

Make sure you  log into the Citibank US or any bank you still maintain in the US not the Philippines. You can deposit the check into your parents account or any account you maintain in the US.

Your parents can send the money to you through Western Union or some other online company.

(Off Topic, I recently complained about TransferWise taking 4 days for my transfer. Yesterday I did a transfer that took less than two hours.)

windydoc45 wrote:

You can open a dollar saving account at RCBC bank and deposit your check. One hundred dollar opens an account and it takes  30 days to clear. I bank at the branch in Taygaytay where they know me personally.

BDO will accept my personal check for deposit from the states and put a hold on it, even though it clears Citibank in the states the next day.

BDO will not take a US Treasury check for deposit, regardless of the hold in a Dollar or Peso accounts, we have both.

sarahw45 wrote:

Thank you for your reply. I will try the Citibank app option.

By the way, are you able to make purchases outside of the US using TransferWise? I’m looking into it because I’ll be in the UK for a few months later this year and I’m looking for a low cost way to spend there. But as I’ve researched, they only issue their debit cards in selected countries for now— Philippines not being one of them.

I believe TransferWise is moving money from bank account to bank account. But I'm not able to move My Citibank Dollar to BDO Dollar account. Only Dollar to Peso, I guess because they skim a small percentage.

I am able to use my US credit cards and US debit cards in the Philippines. I notified the banks telling them I will be using them in the Philippines, no problems yet. (a little over two years)

Sometimes where I use them, their processing company will tack on a small fee in addition of a 3% fee I pay my card company for overseas transactions.

As a side note, when I make purchases on Ali Express, their processing company is in the US so I don't pay a fee coming or going. But on Netflix payments I get charged a fee for making my monthly payment.

Dee628 wrote:

Nah it’s just probably taking long since it’s intl mail but you should receieve it soon. Good luck.

It will take more than good luck getting it timely through the Philippine mail system. If he receives it all, it probably will have expired (Hahaha).

If a postal worker stole it out of the mail, the worker would have no problem cashing it (Hahaha), but you, the rightful recipient on he other hand would find it impossible to cash.

Almost Related:

I use to pay my life insurance quarterly, Premium notices were sometimes 3 to 6 months late, if I received them at all. So now I do it paperless by email.

Tii Ann wrote:

Hi, I had received my 2nd stimulus check but I have been struggling how to send it over from my address in the US to PH. Can anyone please help me on how do you manage to send it to PH?on what courier, and how much does it cost?. Thank you

Before you consider sending the check to PH, have a plan how to cash it. Even though several solutions and ideas has been presented, don't take anyone's word on it, do your leg work and check it out for yourself. You don't want the cost of FedEx to get it here and then have to FedEx it back to the states.

The last mail from my re-mailer (9) letters cost me $48 by FedEx and I had it in several days. My re-mailer claims they have a special agreement to send mail overseas at a discount from FedEx, that may be a bunch Malarkey from my re-mailer.

If you still have a bank account in the states, have someone deposit it in your account in the states and use your debit card from the states to withdraw it in here the PH.

Tii Ann wrote:

I wonder why Fedex in NY did not accept my mail check, I have someone send it over to me last weekend, she was told fedex wont accept large amoun check, and that it should be covered by insurance sort of.

I would remove the check and place in a nondescript envelope then take it to FedEx to be re-mailed in one of their flats.

As of now it's obvious it's a government check, did your sender try to insure it? That's a NO NO.

When the check was issued to you it had a better chance of being stolen or cashed running through the US Postal system, compared to FedEx.

BC57 wrote:

If you open an account at Security Bank they clear checks from the US in 8 banking days. I have deposited two checks with them and both cleared in 7 banking days. Good luck.

I have deposited checks from my CitiBank account into my BDO account. The check cleared Citibank the very next day. The check took almost a month to be credited by BDO.

YMMV