Bank of America shuts down all drive through windows.

[who?]

i deal with a human to get $5.00 dollar bills to use in the change machine in the break room at work. Lately they have insisted on looking at my ID so that they can associate that service with an account.

 

[WelshBloke]

... People still go to banks?

This. I cant remember the last time I went into a high street bank and I cant imagine a non catastrophic reason why I'd want to.

 

[ultimatebob]

So after they assraped you and every American in the country without even the courtesy of spitting on it you decided to become their customer and give them your money? At least it has been convenient though, right?

The funny thing is that BofA didn't really screw me... They kinda screwed themselves. I got a condo back in 2006 at the height of the housing boom, and Countrywide bought my mortgage. Then BofA bought Countrywide for some ill thought out reason. BofA then sold my mortgage (probably for pennies on the dollar) to a local mortgage broker around 2010 after the value of the property dropped by more than half. I eventually ended up having the short sell that sucker.

 

[s0me0nesmind1]

This. I cant remember the last time I went into a high street bank and I cant imagine a non catastrophic reason why I'd want to.

What I especially don't understand is anyone that still uses BIG banks - Chase, BoA, Wells Fargo, etc...

Those banks now make their money off of..
1) Not paying their customer's interest on their funds in the account - which is ridiculous
2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

Why people don't go to local credit unions is beyond me. They are just too fucking dumb for words. There is no benefit to having a bank with tons of locations all over town - and most local banks have programs setup so that you can use ATMs anywhere with no fee.

 

[pmv]

Better not use them at Best Buy! LMAO!

From the wikipedia entry about $2 bills, this story seems even worse

http://reason.com/blog/2016/05/04/little-girl-detained-by-police-after-try


(In the Best Buy case, the guy was at least trying to wind the store up by paying with so many of the things...in this case it was just a child doing nothing wrong. And the article does seem to have a point about how the police increasingly get called on small children while adult college students are increasingly dealt with only by the university authorities)

 

[highland145]

2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

I do use a smaller bank after leaving TD. Their fees are less but they also charge me for cash deposits. They want everything electronic and none of them want any tellers.

 

[s0me0nesmind1]

I do use a smaller bank after leaving TD. Their fees are less but they also charge me for cash deposits. They want everything electronic and none of them want any tellers.

Really? I definitely have never had that problem with local banks. I mean to be honest though - most banks have an ATM where you can slip the cash deposit in, no?

 

[ponyo]

This. I cant remember the last time I went into a high street bank and I cant imagine a non catastrophic reason why I'd want to.

I go all the time. I still get paid the old fashioned way via paper check and I still make deposits and withdrawals at the teller. But I go inside the bank and only use the drive through if I'm making check deposit. The cash withdrawal limit at both the ATM and drive through windows are way too low so I have to go inside to conduct my transactions. I know all you are poor people judging by your banking habits. I will exclude you since you're not in the US.

What I especially don't understand is anyone that still uses BIG banks - Chase, BoA, Wells Fargo, etc...

Those banks now make their money off of..
1) Not paying their customer's interest on their funds in the account - which is ridiculous
2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

Why people don't go to local credit unions is beyond me. They are just too fucking dumb for words. There is no benefit to having a bank with tons of locations all over town - and most local banks have programs setup so that you can use ATMs anywhere with no fee.

I use big banks for convenience. And big banks charge fees to poor people. If you're not poor and have some money, you can avoid all the poor people fees.

 

[s0me0nesmind1]

I use big banks for convenience. And big banks charge fees to poor people. If you're not poor and have some money, you can avoid all the poor people fees.

I needed a small, shitty, non-fancy checkbook to pay someone that does work for us every other week. Aside from me having to complain to the manager and threatening to pull out all my cash and go to another bank - they expect you to pay that bullshit. I don't want to have to strong-arm stupid bank employees everytime I just need a book of 20 paper checks.

 

[highland145]

Really? I definitely have never had that problem with local banks. I mean to be honest though - most banks have an ATM where you can slip the cash deposit in, no?

I'm sure there is a low end limit but $2500 triggered it last week. The fee isn't much but it's still a fee.

 

[highland145]

I just need a book of 20 paper checks.

Costco or some other online check company. Got 2G () 3 part business and 500 personal checks for ~$65. And they still came from Harland.

 

[s0me0nesmind1]

Costco or some other online check company. Got 2G () 3 part business and 500 personal checks for ~$65. And they still came from Harland.

I genuinely refuse to pay for checks... even if it were $1.

Maybe it's my "old man yelling at the clouds" here - but I recall the days where every bank had no problem supplying them - and even sent them when you didn't want them.... Afterall, it's just fucking paper.

 

[highland145]

I genuinely refuse to pay for checks... even if it were $1.

Maybe it's my "old man yelling at the clouds" here - but I recall the days where every bank had no problem supplying them - and even sent them when you didn't want them.... Afterall, it's just fucking paper.

Yeah but interest rates were a bit higher. I still, essentially, pay nothing for my banking. I pass on returned check fees to the customer. So the bank isn't making anything for handling my account.

 

[ponyo]

I needed a small, shitty, non-fancy checkbook to pay someone that does work for us every other week. Aside from me having to complain to the manager and threatening to pull out all my cash and go to another bank - they expect you to pay that bullshit. I don't want to have to strong-arm stupid bank employees everytime I just need a book of 20 paper checks.

I get free checkbooks at my mega giant bank.

 

[Genx87]

What I especially don't understand is anyone that still uses BIG banks - Chase, BoA, Wells Fargo, etc...

Those banks now make their money off of..
1) Not paying their customer's interest on their funds in the account - which is ridiculous
2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

Why people don't go to local credit unions is beyond me. They are just too fucking dumb for words. There is no benefit to having a bank with tons of locations all over town - and most local banks have programs setup so that you can use ATMs anywhere with no fee.

US Bank requires multiple account types or 25k in balance to avoid their 18 dollar a month fee.

 

[Perknose]

I have Bank of America and as of January they started making me go inside for my withdraws. I always do a withdraw for $200 and ask for it in $2 bills. I really enjoy spending $2 bills because people either think they are fake, or they don't have a slot in the cash register for them.

$2 bills, f*ck yeah! Taking it to the man! Errrr, person, Taking it to the person!

Damn, it's tough being a politically correct revolutionary these days.

 

[highland145]

$2 bills, f*ck yeah! Taking it to the man! Errrr, person, Taking it to the person!

Damn, it's tough being a politically correct revolutionary these days.

~25 years ago, prior to the Ring of Power, a friend's bachelor party ended up at a strip club in Charlotte. When you got change for dunking, they would only give it to you in $2s. So who was sticking it to who? Man, that was money well blown.

 

[Zeze]

What I especially don't understand is anyone that still uses BIG banks - Chase, BoA, Wells Fargo, etc...

Those banks now make their money off of..
1) Not paying their customer's interest on their funds in the account - which is ridiculous
2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

Why people don't go to local credit unions is beyond me. They are just too fucking dumb for words. There is no benefit to having a bank with tons of locations all over town - and most local banks have programs setup so that you can use ATMs anywhere with no fee.

Hmmm. Does the local CU...

1. Have a competent & secure mobile app and desktop dashboard?
2. Free checking account with a direct deposit?
3. What is this 'use any ATM' program? My TD Bank had something similar - they would REIMBURSE the ATM fees on the monthly basis, but I had to maintain a $2500 balance. That in itself is not hard to do, but that's a perpetual $2500 constantly locked up.
4. Set up various automated payments to various vendors?

I may give it a try then. I use BoA because I like big companies that are 'TYPICALLY' better with customer service.

 

[WelshBloke]

I go all the time. I still get paid the old fashioned way via paper check and I still make deposits and withdrawals at the teller. But I go inside the bank and only use the drive through if I'm making check deposit. The cash withdrawal limit at both the ATM and drive through windows are way too low so I have to go inside to conduct my transactions. I know all you are poor people judging by your banking habits. I will exclude you since you're not in the US.

I can pay cheques in using my smartphone. I can set my cash withdrawal limit for the ATM at whatever level I like so that's not an issue either.

 

[s0me0nesmind1]

Hmmm. Does the local CU...

1. Have a competent & secure mobile app and desktop dashboard?
2. Free checking account with a direct deposit?
3. What is this 'use any ATM' program? My TD Bank had something similar - they would REIMBURSE the ATM fees on the monthly basis, but I had to maintain a $2500 balance. That in itself is not hard to do, but that's a perpetual $2500 constantly locked up.
4. Set up various automated payments to various vendors?

I may give it a try then. I use BoA because I like big companies that are 'TYPICALLY' better with customer service.

All the stuff you mentioned is like...standard across the board for any half decent credit union or bank.

Right now I'm using Discover bank (online based) actually for my savings - because they are good at upping their APR as soon as the fed interest rates change. Their ATM program isn't that fantastic because it doesn't have one of those "use any and we reimburse you" programs.... But over the last 5+ years I never really feel the need to get cash often enough anyways. If I really want cash I'll just go to the store to do usual shopping and use my debit and get cashback.

For me, interest rates are the most crucial part though... But I mean, Discover bank has secure messaging, they have an app with camera check deposit and a slick interface, they send me checks at any time for free, and they have billpay and scheduling service. No fees, no minimum balance requirements that I'm aware of...

 

[MtnMan]

I have accounts in two credit unions. One costs me $0.00 per year in fees, the other costs me $12/year in fee's. I can go in and get money orders, notary service, etc., for free as a member. Plus the offer low interest credit cards,

ATM's are free, online banking is great, online bill pay is beyond great, and saves me hundreds of dollars a year just in postage.

 

[momeNt]

Millennials are killing banks. There was a time when people used to know your bank teller, you developed a rapport with them and they would give you the fresh bills, hell who even cares about having a crisp bill anymore everybody pays with plastic or with paypalmo.

It's disgusting really.

 

[DietDrThunder]

What I especially don't understand is anyone that still uses BIG banks - Chase, BoA, Wells Fargo, etc...

Those banks now make their money off of..
1) Not paying their customer's interest on their funds in the account - which is ridiculous
2) Charging the customer's fees for every fucking thing. Need a checkbook? That will be $15. Need a money order? That will be $5. Have less than $300 in your account? That's a $7 monthly fee.

Why people don't go to local credit unions is beyond me. They are just too fucking dumb for words. There is no benefit to having a bank with tons of locations all over town - and most local banks have programs setup so that you can use ATMs anywhere with no fee.

.

Millennials are killing banks. There was a time when people used to know your bank teller, you developed a rapport with them and they would give you the fresh bills, hell who even cares about having a crisp bill anymore everybody pays with plastic or with paypalmo.

It's disgusting really.

I've had to get 4 new Discover Card numbers in the past 2 years because of unscrupulous people. Other than paying bills like for Netflix, or cellular service, I was using the Discover Card to pay at restaurants. Now I only pay cash when dining out, and I pay with $2 bills and $1 bills. So yes, I go to a bank with a teller. They always know who I am, are very friendly, have nice conversations since I'm about the only one who goes inside, and they anticipate me coming in. They actually make sure to have enough $2 bills on hand for me. I never pay fees at BofA, but I don't use it for a savings account either.

 

[s0me0nesmind1]

Millennials are killing banks. There was a time when people used to know your bank teller, you developed a rapport with them and they would give you the fresh bills, hell who even cares about having a crisp bill anymore everybody pays with plastic or with paypalmo.

It's disgusting really.

disgusting? Bank tellers are incompetent morons. I don't need your damn help to cash a check, count bills, or deposit things. In today's crime society, who the fuck wants to go to a bank and pull out hundreds knowing that you have to be entirely cautious at all times to make sure someone isn't following you?

 

[DietDrThunder]

disgusting? Bank tellers are incompetent morons. I don't need your damn help to cash a check, count bills, or deposit things. In today's crime society, who the fuck wants to go to a bank and pull out hundreds knowing that you have to be entirely cautious at all times to make sure someone isn't following you?

You are not from Texas then. From the people I see at Walmart, Target, or where ever, after they use the balance on their EBT cards, they pull out these HUGE rolls of cash held together with a rubber band.