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Travelers Checks

syrup09 Aug 27, 2012 07:55 AM

Has anybody used or tried to use traveler's checks at a restaurant? When I went to Maine last month a bunch of places wouldn't take them, (including a Motel 6.) When I went to a Bank to cash some of them one wouldn't, (First Credit Union Of Aroostook very small I admit) and other had a hard time doing the transaction, (what is this strange thing you have.) I didn't try to use them at a Restaurant. On my next trip I'm puting more cash on my debit card.

  1. j
    jeanmarieok Sep 10, 2012 04:39 PM

    My parents insist on using them, and have found that they are very limited in using them now. Could not use them to buy gas at a convenience store, groceries at a grocery store, and only one restaurant would take them. I told my parents to give it up - they are too hard to use now - use your debit card instead....

    1. t
      tastesgoodwhatisit Sep 9, 2012 11:44 PM

      I used some recently while in Hawaii - they took them with no problem, as long as I had photo ID.

      1. s
        Sherri Sep 5, 2012 11:52 AM

        Have not given a thought to Traveler's Cheques for many years. I sent my sons to Europe for an extended period in the mid-90s and they had some trouble with them from time to time, dependoing on locale.

        In the 70s, I used to use them as my unofficial savings account (read: stash). My bank did not charge for AMEX cheques so I could hoard them for whatever treasures I wanted to buy -- usually a gift for my husband that he thought we couldn't afford.

        Don't have any currently and do not remember the last time I used them. Cards are more universally accepted now.

        1 Reply
        1. re: Sherri
          CanadaGirl Sep 5, 2012 03:54 PM

          Finally! Someone spelling it "cheque". I keep seeing the thread and thinking "what is the traveller checking?". (I know, US English vs others)

        2. jinet12 Sep 1, 2012 05:40 AM

          Wow. I'm almost embarrassed to admit that I
          get them every time I go out of town and have
          for years! I don't tend to use them at businesses
          and exchange them at my hotels for cash for things
          like cab fare and to have a little cash on me.
          I have used them in the past at businesses and
          did not have problems. After all they're cash! Honestly
          the two places you mention having trouble getting
          them to use the Amex TCs doesn't surprise me,
          though your having trouble at restaurants does.
          Don't know the place you traveled to but it must
          have been like a small rural area.

          3 Replies
          1. re: jinet12
            syrup09 Sep 3, 2012 08:22 AM

            Actually the only place that surprised my by not taking Travelers Checks is a Motel 6. It was probally because they a national chain.

            I cashed most of them at a Key Bank, Best Western, Bank Of America, and a Hilton Hotel.

            1. re: syrup09
              The 1st and only KSyrahSyrah Sep 5, 2012 05:38 AM

              If you have AAA, you can "buy" a Visa card. Don't remember the cost, but it wasn't much, and you can reload it up to $10,000.

              1. re: The 1st and only KSyrahSyrah
                mpjmph Sep 5, 2012 12:40 PM

                You can buy re-loadable Visa's without a AAA membership, though I suspect the AAA version has fewer fees. All of the supermarkets in my area sell them at the customer service counter, and they appear to be popular with customers who rely on the grocery store for check cashing services.

          2. boogiebaby Aug 31, 2012 04:15 PM

            I always thought traveller's checks could only be cashed/used at a bank or some larger hotels. I didn't know restaurants would accept them. I don't believe credit unions have to cash them as credit unions work a little different than banks.

            3 Replies
            1. re: boogiebaby
              KaimukiMan Aug 31, 2012 04:38 PM

              wow, it hurts to realize how 'old' i am based on how much the world has changed.

              back in the 80's my college graduation present was a europe tour... 21 countries in 54 days or something like that. aside from those countries behind the iron curtain, our travelers checks were accepted almost anyplace that dealt with visitors/tourists on a regular basis. hotels, restaurants, shops, boutiques, barbers... you name it they took em. of course the dollar was strong then, we got good exchange rates, etc.

              As a recent college graduate at the time I didn't even have a credit card. ATM/Bank cards were somewhere in the future. Some places even accepted personal checks. Truly a different world.

              1. re: KaimukiMan
                DGresh Sep 1, 2012 04:44 AM

                Yeah, in 86 I went to my first foreign scientific conference, as a grad student. Had to call the hotel long distance to make a reservation! and get a check drawn in french francs to mail (!) to make a deposit. And yes, used travelers checks. Foreign travel is certainly much easier now!

                1. re: KaimukiMan
                  Ruth Lafler Sep 10, 2012 09:51 AM

                  Yes. In the "olden days" traveler's checks were treated more or less like money if the payee took the denomination on the check (i.e. if the check was in dollars and the payee accepted dollars). When I worked retail in a tourist area in the late '70s we accepted traveler's checks, with ID. Two factors: ATMs and credit cards were much less widespread, and before high-tech printers, forgery was much more difficult.

              2. h
                HDinCentralME Aug 31, 2012 07:46 AM

                I work as a cashier at several retail venues in tourist areas. I rarely see paper Traveler's Checks but see more and more of the plastic Amex or Visa "gift cards". Not sure how the fees for those compare to the paper Checks but are accepted more universally.

                3 Replies
                1. re: HDinCentralME
                  Karl S Aug 31, 2012 09:09 AM

                  Visa gift cards are $6 each, regardless of amount.

                  1. re: Karl S
                    pine time Sep 8, 2012 02:08 PM

                    May depend where you purchase them: our credit union only charges only $3.

                    1. re: Karl S
                      Samalicious Sep 8, 2012 03:01 PM

                      I just paid $3.95 at Wells Fargo.

                  2. KaimukiMan Aug 30, 2012 12:56 PM

                    just as the calculator replaced the slide rule, atm's have replaced travelers checks.

                    yes, you will have to pay a fee, but its a great way to avoid having to budget yourself... LOL

                    16 Replies
                    1. re: KaimukiMan
                      Sooeygun Aug 30, 2012 01:47 PM

                      We like them for our Vegas trips (and they are very easy to cash there...they'll take your money any way they can get it). It's a good way for us to break up our gambling budget into daily allotments that we can lock up in the room safe. The fees are included in our bank plan, so it's cheaper than paying the extra ATM fees and getting random exchange rates.

                      1. re: Sooeygun
                        jujuthomas Aug 30, 2012 05:41 PM

                        We use them in St Lucia since there isn't an ATM at the resort, and we regularly need cash for taxis, which don't take credit.

                        1. re: jujuthomas
                          Veggo Aug 30, 2012 05:49 PM

                          From the 70's I recall the AmEx checks cost 1%; the Thomas Cook checks at AAA were no cost. Are there others?

                          1. re: Veggo
                            bagelman01 Aug 30, 2012 05:56 PM

                            The Big Three
                            Thomas Cook

                            1. re: Veggo
                              KaimukiMan Aug 30, 2012 08:37 PM

                              no question travelers checks are cheaper, and they definitely help you stick to your spending goals. Kinda like the 'old days' when you went to the bank on Friday afternoon, and thats all the money you had to spend till Monday. But except for the rare places that they don't have ATM's (growing rarer daily), you can't beat the convenience of not having to plan ahead. And we wonder why americans can't budget their money?

                              1. re: KaimukiMan
                                Veggo Aug 30, 2012 09:03 PM

                                KM, I'm more old fashioned than the 'old days' you mentioned. Cash for everything.

                                1. re: Veggo
                                  KaimukiMan Aug 31, 2012 12:54 AM

                                  the first time i paid for groceries on my debit card in front of my mom i thought she was going to disown me right there at check-out. she thought i was putting groceries on a credit card (i know, some people do.) i've gone as long as two weeks without having as much as a single dollar in my wallet. everything went on the debit card.

                                  1. re: KaimukiMan
                                    bagelman01 Aug 31, 2012 04:36 AM

                                    My mother is 90. I do all her grocery shopping. She insists I charge it on her Chase Rewards Visa for the 5% cash Back she gets. Not all old timers are 'cashcentric' The only cash she uses is to tip the hairdresser. Everything else is plastic.

                                    1. re: KaimukiMan
                                      CanadaGirl Aug 31, 2012 05:06 AM

                                      I put my groceries on my credit card. In fact, I put pretty much everything on it if I can to get the travel rewards. I've done so for years.

                                      1. re: CanadaGirl
                                        DGresh Aug 31, 2012 05:10 AM

                                        Me too. And if someone assumes that this is irresponsible, the joke's on them. Card paid off in full every month. I get cash back rewards, and I'm way faster through the line than those (thankfully few now) check writers.

                                    2. re: Veggo
                                      chefathome Aug 31, 2012 12:58 PM

                                      I'm with you. Only cash except for things like booking flights, etc.

                            2. re: KaimukiMan
                              gourmanda Sep 5, 2012 11:58 AM

                              In Europe, in particular, incidents of theft at ATMs are on the increase; it's a serious problem. Sometimes you hear about it in the U.S. as well. Also, Europe is switching more and more to cards with chips in them as opposed to the magnetic stripes in the States.

                              1. re: gourmanda
                                pine time Sep 8, 2012 02:09 PM

                                Yup, we still use traveler's checks in India, as ATMs there can be either sketchy or have outrageous fees.

                                1. re: gourmanda
                                  Harters Sep 9, 2012 09:28 AM

                                  "In Europe, in particular, incidents of theft at ATMs are on the increase; it's a serious problem"

                                  Interested to know what evidence you've found that we have a serious problem with these thefts. Any particular country or countries cited in the evidence?

                                  1. re: Harters
                                    gourmanda Sep 10, 2012 08:56 AM

                                    I read about it often in our travel trade magazines. Most often the reports are out of Italy and Spain. I realize it may be changing as I believe many credit/ATM cards in Europe are being switched to micro-chip versions which are not as subject to skimming as the magnetic stripe. (U.S. cards still have the stripe.) But there are also many reports of ATMs used around tourist areas where thieves will target those that they have just seen use the machine.

                                    1. re: gourmanda
                                      Harters Sep 10, 2012 10:37 AM

                                      You're right - our cards in Europe are now "chip and pin" and have been for several years. I travel to both Spain and Italy fairly frequently and have never felt that I was in a threatening situation near an ATM (FWIW, nor have I ever felt threatened here in the UK). Of course, anyone thinking of using an ATM should be aware of possible mugging situations as they would in any other street situation.

                              2. c
                                chefathome Aug 30, 2012 09:49 AM

                                We travel overseas regularly and have not seen even one of these in all the past ten years. In fact, I do not even remember what they look like!

                                2 Replies
                                1. re: chefathome
                                  Karl S Aug 30, 2012 10:52 AM


                                  And remember having to sign the register individually for them in the presence of the clerk, et cet.

                                  That said, they offered a certain safety that is not present with ATMs and cash; there was a value provided for the fee paid.

                                  1. re: Karl S
                                    chefathome Aug 30, 2012 11:16 AM

                                    Ah, yes. I believe I did use them on my first trip to Europe about 12 years ago and at that time it seemed the sensible and safe thing to do.

                                2. s
                                  Steve Aug 30, 2012 07:38 AM

                                  Haven't used them in twenty years. I'm surprised they still exist. I am sure they would be a curiousity in most places.

                                  1 Reply
                                  1. re: Steve
                                    jujuthomas Aug 30, 2012 09:33 AM

                                    yeah, it's becoming increasingly difficult to get them.

                                  2. Karl S Aug 30, 2012 05:56 AM

                                    I've not travelled overseas in 15 years, but I recall things shifting in the 1996-97 timeframe, as ATMs became more international (and cheaper).

                                    1. j
                                      jujuthomas Aug 27, 2012 08:56 AM

                                      the only time we get traveler's checks is when we go to the caribbean, and then we cash them in at the hotel desk or at the bank for local currency. We rarely try to use them for a purchase - too many people just don't accept them any more!

                                      2 Replies
                                      1. re: jujuthomas
                                        Harters Aug 27, 2012 09:20 AM

                                        The only country that I've visited where travellers cheques could be used as currency to make purchases is America.

                                        1. re: Harters
                                          jujuthomas Aug 27, 2012 09:52 AM

                                          on St. Lucia they take US currency as well as EC - you just have to be aware of the exchange rate. When we first started visiting there we did use the TCs for purchases, but mostly in the Duty Free shopping areas, not in the local market.

                                      2. h
                                        Harters Aug 27, 2012 08:41 AM

                                        It's many years since I've used them. Much more convenient to use my card to pay for things or to draw cash from an ATM.

                                        1 Reply
                                        1. re: Harters
                                          Ruth Lafler Sep 10, 2012 09:59 AM

                                          When I'm traveling in the US I rarely even use an ATM -- I put large purchases on a card, and for walking around cash, I'll get cash back when I make a purchase at a drug store or grocery store. I can always think of something I need to buy at CVS!

                                        2. l
                                          LeoLioness Aug 27, 2012 08:04 AM

                                          I haven't used them in over 10 years. I've never used them in the US, but it seems to me they are going by way of the dinosaur.

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