Comments on: Bank Bullshit

By: Grant

Grant — Mon, 29 Oct 2007 05:39:17 +0000

Chase has been the worst, of my dealings, with BS charges and “errors” in their favor.

By: Heather

Heather — Mon, 22 Oct 2007 17:41:44 +0000

You know, for a brief time I worked at a bank. And, yeah, for large personal checks, we’d hold them for a few days (the amount of time increased with the distance of the bank the check was written off) if the amount of the check was significantly larger than the amount of money in the account. But there are a few points to make about this.

a) you TELL the person that’s what you’re doing. asswipes
b) this was 1999, way before electronic checks were the norm, though there were a few grocery stores hip enough to do it at the time
c) it has to be a personal check. we NEVER held checks from another business or someplace like that. otherwise, you’d be placing holds on paychecks all the time.

fees out the wazoo. i had to close a checking account because they were charging me every month i wasn’t using it, thereby draining my money. but now if i want to get to my money easily, i have to make a wire transfer. which, of course, costs money. the kicker is this bank charged fees out the yin-yang to people with less money in their accounts — monthly fees for less-than-minimum balance, fees to write a cashier’s check — that more affluent customers didn’t have to pay.

By: Mel B.

Mel B. — Mon, 22 Oct 2007 17:24:28 +0000

Arggggh! I hate fucking banks and their fucking fees. You know it doesn’t cost them anything like $2 or $3. They charge it because they can. I like how the non-member bank will charge you a fee and then your own bank will charge a fee too. So you’re getting robbed on both ends.

I had a bank, which I’m no longer with, erroneously transfer $500 from my savings account to my father’s account, which made me overdrawn. Because I didn’t have my account number on me, the stupid idiot teller didn’t ask me which account I wanted to put it in, and just put the money in the first account that came up. Later in the month, my dad noticed the extra money and I noticed the overdraft. I went to the bank, laid down some smack and they set things straight but would not return the $3 and change they’d charged me for the overdraft (because I had overdraft protection.)
My stepmom worked at the bank, and she still couldn’t get it fixed. They said it was my fault because I didn’t have my number. It was three fucking dollars, and that wasn’t the point.

You know that most places just electronically scan and clear checks instantaneously now. I’ve been to an oil change place and that’s all they do. They give you your check back right then and there. An oil change place is NOT high tech.
So it amazes me when the banks themselves can continue to operate slowly because they have you where they want you.

That’s one of the reasons I left my last bank. I wanted to do a transfer from my bank to the bank I have a mortgage with. They tell you on all sorts of screens how easy it is to transfer money to other accounts at other banks. What they don’t tell you is that it costs $3 AND that it will take three days. It almost made my mortgage payment late.

Electronically, people. Not that hard. Just another way to basically keep your money and use it without doing anything for you. It’s a scam.