CHL not recognized by bank as valid ID?

[Glocktex]

I went into my local bank yesterday (Chase) that I am in almost every week to deposit my paycheck. Well I needed to cash part of my check for my sons daycare and deposit the rest. The clerk points out my DL is expired by a few weeks which I was not aware of and could not give my any cash back. She could only deposit my check.

I have never presented my CHL to anyone. I was VERY reluctant and hated to do it but I needed to pay daycare. I figure it is issued by the State, has my picure, and State Seal so I hand it over. They look at it a while and then tell me they cannot accept it as ID.

Hopefully this will help prevent someone else from presenting it as ID at the bank. I know I do not like anyone to know I am licensed and hate the fact it accomplished absolutely nothing.

[seamusTX]

You need a new bank.

I have been able to write myself a check and cash it at every bank where I have had an account.

You might consider a credit union. They pay better interest and are friendlier for the most part. The are insured the same as banks.

- Jim

[Keith B]

I am pretty sure the CHL is a valid form of ID per the state guidelines. However, any private business can decide that they don't want to accept it, just as they wouldn't take an expired drivers license.

I can't understand the expired DL not being accepted; all they are looking for is something that shows your name and picture. I have had places accept my company ID as a valid form of ID, and I am sure that IT is not a legal on defined by the state. I have also seen people use a credit card with their photo or a Sam's club card as a second form of ID at places. LOL

[Wildscar]

Correct me if I am wrong but your CHL is worthless unless it is acompanied by a valid DL. Since your DL expired it is not valid.

[Glocktex]

Correct me if I am wrong but your CHL is worthless unless it is acompanied by a valid DL. Since your DL expired it is not valid.

Never thought of that. Anyone know the answer to this?

FYI- I just went online and renewed it. It allows you to print the page to use as a temporary ID for 45 days.

[Keith B]

Correct me if I am wrong but your CHL is worthless unless it is acompanied by a valid DL. Since your DL expired it is not valid.

I think it depends on what you are trying to do. A valid ID can defined as many things. A good example is that TABC rules don't define what a valid ID is. Also, I know of no law that states a bank can only accept a current drivers license as a valid ID. it may be their private business rules, but not law. If they write in their rules that a valid ID is a piece of paper with your name and Mickey Mouse's picture on it, then that is their form of valid ID. That would also include the CHL.

[seamusTX]

PC §46.15(b)(6) makes 46.02 inapplicable to a CHL holder. If you want to walk, ride your bicycle, your mule, etc., you need only the CHL, not a driver license.

GC §411.205 requires a CHL holder to display his driver license or other state ID and CHL when asked for identification by a LEO. However, it is not a criminal offense the first time if you do not comply.

There is also a constitutional question of whether you have to display ID to a LEO at all when you are not engaged in a licensed activity such as driving or hunting. This question has not been tried in court in Texas, as far as I know.

That said, I always carry ID on the principle that complying with the request of a LEO is a lot less painful than dealing with the consequences of not complying.

As for expired driver licenses, this isn't the Soviet Union. If your DL is a few weeks overdue and you're not doing something outrageous like driving drunk, most cops will give you a warning. Even if they write a ticket, the judge will dismiss your case if you have a valid DL by the time of your hearing.

- Jim

[Keith B]

And to add, here are the rules for selling tobacco products in Texas. http://www.window.state.tx.us/taxinfo/t ... 6_1079.pdf" onclick="window.open(this.href);return false;

Notice it is stated: • other ID cards issued by a state or the federal government that display the person’s photo, name, address, date of birth, physical description and signature.

This would include a CHL.

[UpTheIrons]

You need a new bank.

You might consider a credit union. They pay better interest and are friendlier for the most part. The are insured the same as banks.

- Jim

+1 on that! I haven't had an account at Chase for years. I think their aversion to customer service and 'ease of use' of their banks has gotten more systemic over time.

My credit union, on the other hand? No complaints. Always friendly & helpful.

[Purplehood]

Go to another branch. I always do when something petty pops-up like that. Never had to go to more than one more branch to do whatever business I wanted to do (Chase).

[WildBill]

You need a new bank.

I have been able to write myself a check and cash it at every bank where I have had an account.

You might consider a credit union. They pay better interest and are friendlier for the most part. The are insured the same as banks.

- Jim

Before you set up an account at another bank you are going to have to get a new DL.

[flechero]

Considering that I've used a Sam's card and my check card as a picture ID before, that's ridiculous, just because your driver's license is a few days expired, doesn't change your identity. You don't need a license to bank, just drive. As much of a pain as it would be, I would change banks when you renew the license.

I've actually been asked before when a 2nd form of ID was required, if I had a CHL as that was the "next best thing." State issued, has a photo and would be much harder to forge than some other commonly accepted ID's.

[Captain Matt]

When they won't give me cash back from a check deposit I go outside and use the ATM.

[flb_78]

If you banked with Bank of America, you don't even need a Social Security Number to get a loan there!!!!

I would be changing banks and going with a local bank. The big national ones suck.

[Morgan]

My bank, Wells Fargo, just has my run my ATM card thru their little machine when I stop at a tellar window anyway. Much easier as it pulls the accounts up on their screen rather than typing it in.