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Kroger Check Writing Policy (Vanity)
Self | May 22, 2004 | SLb

Posted on 05/22/2004 6:36:10 PM PDT by SLB

I just made a quick trip to one of the local Kroger stores, chicken was on sale this week and we wanted to get a couple of bags of boneless/skinless. When I got to the checkout isle, I use the self checkout whenever possible, I wrote my check for $25.00 over the purchase price.

The clerk ran the check through the machine and then looked at me and said something like; "I am sorry, but there has already been a check for $25.00 over written on this account within the past week and you are limited to $25.00 a week which is the maximum allowed." (Mrs SLB had written a check at another store earlier in the week) She then showed me the register slip with my bank account number and the limits on my account. I am limited to spending $300.00 a week at Kroger.

I asked her why and she said it was a new Kroger wide policy. I did not berate her, she is on the bottom of the food chain, but asked for a cusotmer comment form which she gladly gave me. I will fill it out and send it to Kroger.

We do not do anywhere near all of our shopping at Kroger as we have the commissary at Ft Knox (average savings is in the 30% range), we also have Save-a-Lot, Aldi's, and of course the infamous Wally World. We usually only go to Kroger for sale items, but this tracking of my purchases and limiting me is going to send me even further from them. My only planned trips there now are for gasoline as they give a $0.03 a gallon discount with their card, but I am certain they track that, too bad the name, address and phone number on the card are all made up.


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Has anyone else ran into this situation at Kroger or other stores?
1 posted on 05/22/2004 6:36:11 PM PDT by SLB
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To: SLB

I've never knowningly even MET a Kroger...good luck.


2 posted on 05/22/2004 6:40:07 PM PDT by bannie (Liberal Media: The Most Dangerous Enemies to America and Freedom)
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To: SLB

Space aliens. That's the answer.


3 posted on 05/22/2004 6:43:58 PM PDT by muawiyah
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To: SLB
I haven't heard of this before, but I can't say it surprises me. Checks remain one of the easiest ways to scam grocery stores out of their money, so it's likely that the more people switch to debit cards, the more the stores are going to put stronger restrictions on check use. After all, they'll be inconveniencing far fewer people now than they would have just five or ten years ago.

I'm not saying it's necessarily right, just giving a possible explanation.

4 posted on 05/22/2004 6:44:59 PM PDT by Dont Mention the War
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To: SLB

"I am limited to spending $300.00 a week at Kroger."

No MBA here,but,does this make good business sense?


5 posted on 05/22/2004 6:45:12 PM PDT by John W
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To: SLB

I haven't, and I will tell you why. I stopped writing checks to Kroger when they reported me to the Credit Bureau for a bounced check (my direct deposit didn't) that I promptly made right. Now, 6 months later, I am unable to open a new checking account anywhere in this city.


6 posted on 05/22/2004 6:45:32 PM PDT by Sunshine55 (Bush-Cheney 2004...By George, we've got ourselves a President!)
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To: SLB
I never write a check for cash back over the amount of the purchase.

I think the store could have any policy they choose about writing a check for over the amount of purchase. It is a courtesy extended to the customer. They are not a bank.

You got what you wanted on sale. I don't see the problem.

7 posted on 05/22/2004 6:46:55 PM PDT by LADY J
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To: SLB
I haven't had that problem, but I REALLY dislike those stupid customer cards tehy give you. We have them for Shop N Save and Giant Eagle here in Pittsburgh. They always ask me for them and I usually say something like..."Hey, I'm a guy...I don't use stuff like that! Just ring me up so I can get outta here!"

We have the full size cards as well as the key ring cards. Plus one of the stores has started giving come kind of bonus points so on top of wasting my time with the cards they take more time asking me if I want to use the bonus points. FWIW I have no idea how to use them and probably never will.

I'd rather have the best price possible and none of the hoopla and hype that wimmink seem to treasure so much. Even if it isn't the best price I want to get in and get out. I HATE shopping. I don't mind the Schwan's man stopping by though...

prisoner6

8 posted on 05/22/2004 6:47:37 PM PDT by prisoner6 (Right Wing Nuts hold the country together as the loose screws of the left fall out!)
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To: SLB
They're trying to limit their potential loss on bad checks - limiting to a certain amount/week means checks will clear within that time or they won't. If they don't, the loss is limited.

Use a debit card, credit card or cash if this policy poses a problem for you.

9 posted on 05/22/2004 6:50:00 PM PDT by Hank Rearden (Is Fallujah gone yet?)
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To: SLB
When I lived in Louisville I shopped at Kroger a lot. Then WMT came to town and sold for 10-20% less than Kroger. I kissed Kroger goodbye and never went back.

Now I live in South Carolina and I still shop at WMT. Recently I needed shave cream and WMT didn't have my brand so I got it at Kroger. As long as I was in Kroger, I wandered around looking at prices of stuff I buy all the time. Kroger is still mostly 10-20% more than WMT.

A lady friend of mine insists the folks who go to Kroger and Publix do so for the "shopping experience." That's a new one on me!

10 posted on 05/22/2004 6:54:20 PM PDT by upchuck (With all due respect to my sister and her biting moose, cheese is milk's leap toward immortality.)
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To: SLB

So, how was the chicken?


11 posted on 05/22/2004 6:55:05 PM PDT by Blue Screen of Death (,/i)
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To: Hank Rearden; slk
They're trying to limit their potential loss on bad checks - limiting to a certain amount/week means checks will clear within that time or they won't. If they don't, the loss is limited.

By the way, it isn't going to be much longer that you're going to be able to use checks at supermarkets at all, at least not in the old-fashioned way. There are already grocery store chains that have started direct-debiting your account at checkout. You write out the check and hand it to them, the cash register scans the magnetic ink on the check and instantly deducts the amount from your account. The cashier then hands you back the check, which has "VOID" stamped all over it.

Say goodbye to the float!

12 posted on 05/22/2004 6:57:18 PM PDT by Dont Mention the War
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To: SLB; Dr. Eckleburg

And I don't like the voice at the auto check out.

Did you ever touch one of the bags after you put something in it?

"Do not remove items from the bag" says FemAutoVoice.

"I'm sorry..." I mumbled.

"I said, 'put the damn stuff back in the bag.'"

Looking around to see if everyone was noticing this embarrassing exchange, I reached out to replace the item.

FemAutoVoice screeched, "Are you touching the bag. Hands off the bag. What are you some kind of idiot?!" . Then (I swear) FAV cackled a hideous little laugh as it issued new instructions.

"Go Directly to the customer assistance clerk."

I looked up into the blue-green visage and pale, deadly eyes of the Wicked Witch of Krogers.

"I'll get you my prettie.... Ahhh hah hah hah hah hah!"


13 posted on 05/22/2004 6:58:28 PM PDT by xzins (Retired Army and Proud of It!)
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To: SLB

Wally World ROCKS! Where can I find one?


14 posted on 05/22/2004 6:58:39 PM PDT by Libloather (John Kerry would be great at giving the State of the Union Address, and the rebuttal...)
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To: xzins
"Do not remove items from the bag" says FemAutoVoice.

Never do that. Never.

15 posted on 05/22/2004 7:00:57 PM PDT by Libloather (John Kerry would be great at giving the State of the Union Address, and the rebuttal...)
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To: upchuck
I go to Kroger when I need something I can't find at Wally World. Like this:


Stubbs Beef Marinade. The best I've ever tasted. Kroger is the only place in town to buy it.

I have and use the Kroger card when I go there. I didn't have to complete a form to get it, and it has no personal info on it, so I couldn't care less. Plus, the savings, especially on steak and roast, is sometimes dramatic: as much as 1/2 off.

16 posted on 05/22/2004 7:02:23 PM PDT by Skooz (My Biography: Psalm 40:1-3)
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To: Dont Mention the War
You write out the check and hand it to them, the cash register scans the magnetic ink on the check and instantly deducts the amount from your account. The cashier then hands you back the check, which has "VOID" stamped all over it.

A local bookstore uses that. I bought something there about a year ago and they debited my account immediately and gave me the voided check. That's why I haven't stepped into the store since, and never will again.

17 posted on 05/22/2004 7:04:59 PM PDT by Skooz (My Biography: Psalm 40:1-3)
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To: SLB
I guess there is something to be said for your friendly neighborhood grocery.

A month or so ago I took my 85 year old Father to the bank to get $200 cash. It turned out the bank was closed Thursday afternoons so he told me to stop at the grocery store instead.

He gave them the check which was already made out to cash and they handed him $200. He didn't even buy anything. Of course he is an old customer. It still surprised me a little.

18 posted on 05/22/2004 7:05:30 PM PDT by yarddog
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To: Skooz

Our wally world's won't carry local kind of stuff. I'm near Cincy, so you look for Grippo's BBQ chips or Skyline in a can, don't go to WalMart.

They've got their list, and those guys aren't on it.

And Grippo's BBQ chips are the best in this world and the known universe.


19 posted on 05/22/2004 7:07:33 PM PDT by xzins (Retired Army and Proud of It!)
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To: SLB

I'd be perfectly happy if grocery stores stopped accepting checks altogether. They simply take to long to write and process. Cash is king!


20 posted on 05/22/2004 7:10:30 PM PDT by cynwoody
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To: cynwoody

and I always manage to get in line behind someone who has a "problem" with their check.


21 posted on 05/22/2004 7:13:12 PM PDT by cajun-jack
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To: SLB
I went into Kroger the other day because they had Eddy's Ice Cream on sale for $1.99. I had 7 of them and put them on the belt. After she scanned the third one loud alarms went off in the store! Back away from the ice cream she said, and told me I had already bought to much Ice Cream this month. I convinced them I was having a big party w lots of people and would not eat it - so they let me have all 7 but I cannot come back to the Kroger till June 1st.

She then told me my total was $14, and I saved $28 by shopping at Kroger!!! I haven't invited anyone over yet for ice cream, but I'm afraid they are watching the house! What should I do?
22 posted on 05/22/2004 7:13:41 PM PDT by Esther Ruth (You shall love the Lord your God with ALL your heart, mind and soul!)
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To: SLB

I've never shopped at Kroger. I do most of my shopping at Safeway. I have never had a problem. They are always generous. I usually get cash back with my debit card and I've never heard of any limits.

Safeway has terrific store brands that beat 'regular' brands in quality and price, in my opinion. Such as, their natural peanut butter, their dishwashing detergent, and their new brand of paper towels, to name a few. :-)


23 posted on 05/22/2004 7:13:49 PM PDT by agrarianlady
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To: cajun-jack

.......or the old lady who reaches into her purse and starts writing her check AFTER everything is bagged and the cashier tells her the amount.


24 posted on 05/22/2004 7:14:27 PM PDT by Skooz (My Biography: Psalm 40:1-3)
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To: agrarianlady

Oh, and also, I never need a physical Safeway card to get the discounts. I just key in my phone number quickly.

When I spend enough, I get free Starbucks coffee and other goodies.


25 posted on 05/22/2004 7:14:40 PM PDT by agrarianlady
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To: SLB

God made credit cards and ATM machines for a reason. Before then, and when banks had short hours, back in the dark ages, before rocks cooled, I used markets as a bank. Now, I am annoyed when anyone slows down the line by writing a check. It is all so yesterday!


26 posted on 05/22/2004 7:17:02 PM PDT by Torie
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To: SLB
Has anyone else ran into this situation at Kroger or other stores?



No but I had my ID checked when buying "Canned
Air" to give my computer a bj with.
First time I have my ID checked in about 40 years.
27 posted on 05/22/2004 7:20:06 PM PDT by WKB (3!~ What we need is more "Christianity in politics" and less "Politics in Christianity")
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To: SLB
As a former store manager (not a Kroger), your eyes would pop out of your head if you opened the "NG" (no-good) check file book I had in "affluent" Westchester County, NY.

Use one credit card for grocery purchases only, and write your check then...use a Discover and get 5% back. Checks are not a retailers friend. Use your ATM card to get cash out of your bank once a week, you'd be surprised how much less cash you'd spend.

Life's too short to bitch about Kroger's policy... the less they lose, the less you pay. Hmmm... I think I stumbled upon a sound economic policy.

28 posted on 05/22/2004 7:20:42 PM PDT by AJ504 (...I bumped up my monthly... did you??)
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To: prisoner6
I haven't had that problem, but I REALLY dislike those stupid customer cards tehy give you.

I hate them also, but I always ask for a new card and application every trip to the store.

I simply can't pass up an opportunity to throw a monkeywrench into their database.

29 posted on 05/22/2004 7:20:57 PM PDT by Mulder (Fight the future)
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To: xzins
And Grippo's BBQ chips are the best in this world and the known universe.

Sorry...that would be ZAPPS!

I said ZAPPS!

prisoner6

30 posted on 05/22/2004 7:23:19 PM PDT by prisoner6 (Right Wing Nuts hold the country together as the loose screws of the left fall out!)
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To: Skooz
That is also one of my pet peeves.

It is not as if they don't know they are going to have to write a check. They also do the same thing if paying cash. They wait until the total then slowly begin searching in their purse for change. I have seen them literally take several minutes to count out the money.

31 posted on 05/22/2004 7:25:42 PM PDT by yarddog
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To: AJ504

I spent many years as a Safeway manager. It wasn't uncommom to have over $1000/wk in bad checks.


32 posted on 05/22/2004 7:27:43 PM PDT by dc27
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To: Skooz
"Bye, Mom!"

A young man was walking through a supermarket to pick up a few things when he noticed an old lady following him around. Thinking nothing of it, he ignored her and continued on. Finally he went to the checkout line, but she got in front of him.

"Pardon me," she said, "I’m sorry if my staring at you has made you feel uncomfortable. It’s just that you look just like my son, who I haven’t seen in a long time."

"That’s a shame," replied the young man, "is there anything I can do for you?"

"Yes," she said, "as I’m leaving, can you say ’Good bye, Mother!’ It would make me feel so much better."

"Sure," answered the young man.

As the old woman was leaving, he called out, "Good-bye, Mother!"

As he stepped up to the checkout counter, he saw that his total was $227.95.

"How can that be?" he asked, "I only purchased a few things!"

"Your mother said that you would pay for her," said the clerk.

33 posted on 05/22/2004 7:29:13 PM PDT by Cultural Jihad (Rising waves, what motive is behind your impulse? The desire to reach upwards.)
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To: Cultural Jihad

Too, TOO funny!!!!!!!!!!!!


34 posted on 05/22/2004 7:32:57 PM PDT by Gabz (We're Rural, not Stupid on the Eastern Shore of Virginia)
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To: Skooz

I worked as a cashier once. There are a lot of stories, but this one takes the cake:

A lady came through with two suckers. The total was about 30 cents or so. She didn't have the money! So, she said "let me run out to the car!" This took about 10 minutes, and there was a long line of people waiting with carts full of groceries...and since the transaction was open already I could not close it to check them out. She came back in and said she didn't want the suckers anymore and took off...she did not apologize to me or the other customers. I had to then get a manager to void the transaction. That also reduced my rate of scans per minute greatly, so I got a bad rate of productivity on the cashier's report.


35 posted on 05/22/2004 7:36:16 PM PDT by Republican Wildcat
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To: Howlin; Ed_NYC; MonroeDNA; widgysoft; Springman; Timesink; dubyaismypresident; Grani; coug97; ...
Most of the time, we stick with Publix.

Just damn.

If you want on the list, FReepmail me. This IS a high-volume PING list...

36 posted on 05/22/2004 7:40:06 PM PDT by mhking (Don't wait for the translation, ANSWER ME NOW!)
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To: Skooz

Hmm, never tried the beef marinade, I believe I'll be telling my husband the grill master to pick some up. We love the moppin' sauce and use it regularly. :)


37 posted on 05/22/2004 7:41:34 PM PDT by agrace
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To: prisoner6

The cards are for them to track what quantities and combinations of items customers buy so they can have more attractive promotions and sales. Essentially, they are paying you the sale prices in exchange for tracking your shopping habits.


38 posted on 05/22/2004 7:45:37 PM PDT by Republican Wildcat
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To: prisoner6
Grippo's

Grippo's 2

39 posted on 05/22/2004 7:46:43 PM PDT by xzins (Retired Army and Proud of It!)
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To: SLB
I am limited to spending $300.00 a week at Kroger

I'd save all of my receipts for a month from all the grocery stores you buy groceries from. I'd then send a letter to the CEO of Kroger along with the receipts and the evidence you're limited to $300.00 a week. In my letter I'd tell Kroger I choose to no longer do business with a company who limits me.

I write checks in my local grocers because it's easier than using my debit card. Of course it's a small town grocer and they have to leave the register to go to the one machine they have to run it through. When I go to WalMart I still write checks because if I forget to write the details down in my check register I can contact the bank in a few days to find out the details.

40 posted on 05/22/2004 7:53:39 PM PDT by Sally'sConcerns (Got a light?)
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Comment #41 Removed by Moderator

To: SLB
The clerk ran the check through the machine and then looked at me and said something like; "I am sorry, but there has already been a check for $25.00 over written on this account within the past week and you are limited to $25.00 a week which is the maximum allowed." (Mrs SLB had written a check at another store earlier in the week) She then showed me the register slip with my bank account number and the limits on my account. I am limited to spending $300.00 a week at Kroger.

These are two different things here -- one is them only allowing $25 a week in cash back; the other is a $300 spending limit per week. The former is very common at groceries now (Pathmark limits it to $20 a week); the latter I've never heard of before.

42 posted on 05/22/2004 7:54:33 PM PDT by NYCVirago
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To: SLB
She then showed me the register slip with my bank account number and the limits on my account.

you need to find out why your bankaccount number is on that slip

43 posted on 05/22/2004 7:56:07 PM PDT by InvisibleChurch (I actually did vote for the $87 billion before I voted against it)
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To: InvisibleChurch
"you need to find out why your bankaccount number is on that slip"

What's the big deal? The bank account number is on the check he gives them!

44 posted on 05/22/2004 8:01:09 PM PDT by LADY J
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To: Republican Wildcat

We don't have a Kroger any more. The employees got the bright idea to go out on strike back during the nationwide strike. Kroger closed the store. Hehehehe. Every time I drove past those strikers I'd yell, "The store will close!" I already knew the store was barely hanging on after Wally World Super Store opened down the street. I didn't think it was a bright idea to go on strike.


45 posted on 05/22/2004 8:02:37 PM PDT by WVNan (Be faithful in little things, for in them our strength lies. (Mother Teresa))
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To: LADY J

well, sure the check is supposed to stay with the store... can't the receipt fall into evil hands?


46 posted on 05/22/2004 8:03:18 PM PDT by InvisibleChurch (I actually did vote for the $87 billion before I voted against it)
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To: InvisibleChurch
"well, sure the check is supposed to stay with the store... can't the receipt fall into evil hands?"

If the store takes proper precautions with the checks - they will also do the same for the receipts if this is a store that must keep a receipt for tracking whatever options they give to their customers. The customers know what the restrictions are and choose to shop there.

I never let them put my receipt from debit or charge cards in the bag. I always take it and put it in my purse.

47 posted on 05/22/2004 8:10:15 PM PDT by LADY J
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To: LADY J

well, that settles that then


48 posted on 05/22/2004 8:12:00 PM PDT by InvisibleChurch (I actually did vote for the $87 billion before I voted against it)
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To: SLB

Debit card. 'Nuff said.


49 posted on 05/22/2004 8:14:32 PM PDT by gcruse (http://gcruse.typepad.com/)
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To: Hank Rearden

One thing I've noticed living here in the Deep South now, is how many people use checks for their everyday purchases, compared to up north. I mean every bank gives you a debit card when you open account, why not use it?

Seems to me that people are "playing the float", meaning that the store is giving you *free credit* for a few days. I've noticed you'll see more checks on fridays etc.

If you're worried about getting cash back, use your debit card. Although it varies, walmart typically gives $60-$100 back. Free ATM!


50 posted on 05/22/2004 8:15:20 PM PDT by mikenola
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