Friday, September 7, 2007

My bank hasn't been good to me.

Or my mom for that matter. Yesterday my mother asked me to pay our home's electric bill at the supermarket. I said "Whoa. Why pay money just to pay your bill? Why not use the online banking?". She explained she didn't have time to go to the bank to deposit it and the $1 extra to process the payment would go to her gas tank anyway. So I complied and paid the bill. All was well, except for the fact that my mother's story was half-assed.

Today Mom told me she got into it with the bank teller about cashing her check against her savings in order to deposit the money into her checking account. The teller told Mom that she can't do that. My mother told her that she could and always have without complications. The teller told her that the check have to be one from our bank in order to be cashed and then deposited. Upset, my mother told her it was none of the her business (putting it lightly, Mom cussed the lady) what she does with the cash she now has in her hands, and if she wanted to put it in her checking account, then she can do so. She didn't bother to get the manager, but she was so upset, she just left the branch.

I don't know where such a policy would come from, but I don't know if I can call bullshit on its existence either. I've been through the same situation, except I didn't argue with the tellers. I can't say for sure it's policy, because it's occurred at the same branch. If it's policy to not deposit cash from checks that are not from the same bank, then the tellers should explain WHY. There was no "why" for me or my mom. Maybe they have a problem with people bringing in bad checks, but there are other ways to deal with that already. There's no need for the bank to inconvenience customers who may need their checks to be cashed in order to have money in their accounts for bills.

I'm sort of glad that I applied to work at Convergys. The place may be crap, but at least they understand the convenience of direct deposit. Not like it matters. The bank I'm doing business with now may lose it soon. Seriously, they've literally took my money (only $4.26 but still MINE) and they keep charging me $5.00 every month out of my savings just so I can have savings. I'm debating getting rid of the savings account altogether.

What bank am I talking about? I've decided not to say unless it pisses me off more. If I find that the "policy" doesn't exist, I will be back to edit this blog entry. The next time someone Googles the bank's name, this blog may pop up in the results.Devil



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