[ARCHIVED THREAD] - Bank rant @#%&# (Page 1 of 2)
Posted: 1/26/2007 11:28:36 AM EDT
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Just got back from the bank I need more cash than usual so I just decided to cash my payroll check at the bank that it is written on and than deposit what I did not use Monday in my bank. I have done this before like before a gun show or going to the boat. I have bank accounts at two different banks but they were both on the other side of town. I already had my ID out when she said, that will be two forms of ID.I as thinking I would use my gun license for the fun of it when she said she needed a right thumb print and ten dollar fee. I grabbed my check and walked out now I think I will think of a way to get free checking and not keep any money in the account. The check was written on their bank! |
i had to do something similar recently and I was surprised at the added security. I didn't have to pay a fee, but I did have to do the finger print and 2 forms of ID. This was at Bank of America -- first rate turds. |
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I have my main accounts at BOA. Once, they refused to accept my CCW license as a form of ID. I was in a hurry and didn't want to lose time, so they accepted ... get this ... my credit card. The next time around, I asked to see the manager. I told her that this was unacceptable and asked her if it was necessary for me to move to another bank. If she would have said yes, I would have asked to speak to her supervisor, on the spot and in front of the crowd. Instead, she instructed the teller to accept it. BOA is a San Francisco, politically correct company. To be honest, they stink, but they took over the bank that took over my bank - been ther 15 years, family longer and we didn't want to change. I do agree, banks can be real dickheadish. I have only had one pleasant, long-term with a bank, and that was a backwoods cooperative in Germany. Every other bank in four European countries and the US have sucked. Wait a minute, I have forgotten to exempt the bank that I opened my Hopalong Cassidy account at - I still have the bank book but can't find the bank any more... as shcuks  F |
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Years ago I tried to cash a payroll check at the bank that the check is from. They needed two forms of ID so I handed them my DL and my D license, they asked if I had another, so I handed them my G license, they wouldnt accept them even though the D and G are issued by the state same as a DL. Thats all I have, they said do you have a credit card WTF you wont take 2/3 ID ALL issued by the state, but youll take a credit card with nothing more than a name and number on it 
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The reason they take credit cards above other forms of state issued ID is because banks issue credit cards. It's the old honor among theives thing. 
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Let me guess Bank of America? |
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I had a bank refuse to cash a large check that was from an account in that specific branch. I had to get the business owner to chew on their ear and then I was only able to cash it between certain hours the next day. Fu*#, was I pissed. After re-reading the OP, I saw the you were explaining why you needed to cash the check instead of deposit it. Just the fact that we have to defend our rights to have the cash really pisses me off. I live in the bush and was only in town for two days and had to buy some tractor parts. I didn't have time to deposit the check in my bank and wait. When the supervisor refused to cash the check without explaination, I just about blew a gasket. The teller asked why I didn't just deposit it in my bank. That is none of their business, I thought a bank would be required to cash a check drawn on a valid account in that branch. |
| A couple months ago I went into Wells Fargo to withdraw some cash, the ATM line was too long so I went inside. In front of me was an "immigrant" and cashed a check with nothing more than a Mexican ID. For me to withdraw funds from my account, they wanted 2 forms of ID and my PIN#. They didn't want to accept military ID because it was "too easy to fake" WTF? The mexican just walked in and walked out with cash in hand and I got the third degree. |
Just like a lot of other things insurance, driver's license, legality to work, etc etc etc. time is a coming I still hate banks. the only way to stay sane with banks is to go with a small local one. Has always worked for me. |
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I did some electrical work for a customer and then went to his bank to cash the check. They wanted to charge me $5, because I wasn't a customer of the bank. WTF? The next time I did work I added the $5 to the bill as a "monetary handling fee", and was happy to explain it to the customer when he asked. He was more upset with his bank then me, and paid the additional $ with an apology for the hassle. |
I wonder if they would ask you for $2.00 if you tried to cash a $3.00 check. 
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I have an $8.28 check that's been sitting on my desk for a month now. Standing in line waiting on the world's slowest tellers actually isn't worth the $8. They had a policy where they would credit $5 to your account if you had been waiting in line for longer than 15 minutes. 2 weeks after I found out about the policy, the clock on their wall disappeared, and it was never mentioned again. |
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sorta tinfoil THE BANKERS' MANIFESTO OF 1892 PRINTED HERE IN PERTINENT PART We (the bankers) must proceed with caution and guard every move made, for the lower order of people are already showing signs of restless commotion. Prudence will therefore show a policy of apparently yielding to the popular will until our plans are so far consummated that we can declare our designs without fear of any organized resistance. Organizations in the United States should be carefully watched by our trusted men, and we must take immediate steps to control these organizations in our interest or disrupt them. At the coming Omaha convention to be held July 4, 1892, our men must attend and direct its movement or else there will be set on foot such antagonism to our designs as may require force to overcome. This at the present time would be premature. We are not yet ready for such a crisis. Capital must protect itself in every possible manner through combination (conspiracy) and legislation. The courts must be called to our aid, debts must be collected, bonds and mortgages foreclosed as rapidly as possible. When, through the process of law, the common people have lost their homes, they will be more tractable and easily governed through the influence of the strong arm of the government applied to a central power of imperial wealth under the control of the leading financiers. People without homes will not quarrel with their leaders. History repeats itself in regular cycles. This truth is well known among our principle men who are engaged in forming an imperialism of the world. While they are doing this, the people must be kept in a state of political antagonism. The question of tariff reform must be urged through the organization known as the Democratic Party, and the question of protection with the reciprocity must be forced to view through the Republican Party. By thus dividing voters, we can get them to expend their energies in fighting over questions of no importance to us, except as teachers to the common herd. Thus, by discrete actions, we can secure all that has been so generously planned and successfully accomplished. Revealed by Congressman Charles A. Lindbergh, Sr. to the U.S. Congress sometime between 1907 and 1917. THE BANKERS’ MANIFESTO OF 1934 Capital must protect itself in every way, through combination and through legislation. Debts must be collected and loans and mortgages foreclosed as soon as possible. When through a process of law, the common people have lost their homes, they will be more tractable and more easily governed by the strong arm of the law applied by the central power of wealth, under control of leading financiers. People without homes will not quarrel with their leaders. This is well known among our principle men now engaged in forming an IMPERIALISM of capital to govern the world. By dividing the people we can get them to expend their energies in fighting over questions of no importance to us except as teachers of the common herd. Thus by discrete action we can secure for ourselves what has been generally planned and successfully accomplished. |
Man, I hate to say it, but you are not that bank's customer. The person with the account is. If you had an account they would not demand 8 forms of ID and the retinal scan. |
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As with some of the other responses, I switched to a Credit Union. I used to be with SeaFirst, which was eaten by BoA. BoA had screwed with my account over and over. I finally switched to a Credit Union and have had no problems in the last 8 years. Switch to a Credit Union, it doesn't matter which one because if you are a member of one, they ALL treat you the same no matter where you are. |
That customer of the bank wrote a check to One_Slayer directing the bank to pay him money. The bank should not charge OS a fee to honor their client's directive. I've thought this policy was 100% bullshit ever since I first encountered it in the '90s, it's just one more way for the bank to take more than they earn from people. |
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"Check verification" companies are no picnic either. I just got back from my favorite gun shop, where I picked up a S&W M&P .40 S&W (a lot of ampersands for one gun!) I had on layaway. I wanted to write a check for the balance, but I ended up having to use a credit card. They wouldn't take my check because their incompetent "check verification" company, some outfit calling themselves "Secure Payment Systems," recommended against it. It appears they use a mysterious "computer" program to determine the "risk level" for a check. These SPS people are utterly useless. They rejected a perfectly good check from a perfectly good account, which had more than enough funds to cover the check. They also made the store look bad, by rejecting a check from a regular customer. I was in a hurry, so I just paid with a credit card and got out of there. Now that I've had time to think about it, I'm pissed at both the check verification idiots, and the cashier for not taking my check just because "the computer said so." I know the store manager, so I'm going to go back tomorrow to discuss this with him. They need to find a better "check verification" service, or maybe I need to start buying my guns somewhere else. |
Actually, the bank appears to be PROTECTING that person, by making sure they are paying HIS money out to the person they are supposed to, and not just some guy with an easily obtainable fake ID. The people to blame for this shit are the people who defraud banks, not the banks for trying to protect themselves and their customers. Charging a fee if you are not actually a customer is more of a policy, but I don't see anything wrong with it. They aren't making money off you by having your money in their account, so why should they provide a free service to you? |
SOP. Duh. If you are a customer of the bank, your identity is more well established and handing you thousands of dollars in cash is less of a risk. Virtually any place where you can cash a check will charge you a fee if you are not a member. |
Read the link I posted above, those stupid fees are NOT what BoA makes their profits on... |
| When I write a check, it's my promise for that amount of money. If a bank wants to charge to cash a check that is from said bank then they've broken my promise. I recently closed all my corporate and personal accounts at a bank I had been with for over 20 years. I also paid off all loans and closed a home equity account. This all happened because they tried to charge one of my employees to cash her payroll check. They can charge whatever they want for services. I can move my money out of their bank. Mike |
Read this: "Jan. 23 (Bloomberg) -- Bank of America Corp., the second- largest U.S. bank, said fourth-quarter earnings climbed 47 percent as its acquisition of MBNA Corp. led to a surge in credit-card fees." Link: www.bloomberg.com/apps/news?pid=newsarchive&sid=aYnOzKBxanqE |
The bankers have swindled the US government into handing its power to create money over to them in the form of a federal reserve corporation of which the banks own the shares of. The money masters
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Hmm, I may have to let you handle my finances for me... 
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Judging by the way of thing, Id suggest you put anything your not using to live off of in tangibles, like gold and silver. Its funny how $50 face value of pre-1964 dimes or quarters is selling for over $500 in federal reserve fiat currency. |
Sold off gold a month ago I bought in 2001, made a nice little profit, may jump in again when it gets back around $375 or so. |
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I would suggest learning 'Black-Scholes' pricing models and other financial stuff instead of posting doom-and-gloom quotes off the internet. |
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Here is a Thomas Edison quote he made refering to a dam building project in Alabama in the 20's
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Ok, you are good at quoting others... |