You’d think, but my bank is actively becoming hostile towards people walking in.
My debit card literally never works at the ATM, so I just take the 2 minutes to walk in and fill out a withdrawal form. It’s fine for the occasional need for cash.
Last time, they basically told me, in the future were requiring your debit card for security. There isn’t any reason for you to come in.
I just hand them my debit card inside and tell them what I want. Usually with an apology that I haven’t filled out a deposit/withdrawal form. Most of the time the teller will say it’s fine and the same amount of work for them either way. I’m sure it depends on the bank or branch, and I personally try to avoid the bigger banks like Bank of America or Chase just because their fees are so much higher and I hear their service is worse, so that’s probably a factor as well.
I walked into a big bank ™ once looking to take out a loan.
They said: “Sorry, we don’t do personal loans anymore.”
I blinked for a moment and went: “You are a bank – who doesn’t do loans?”
She blinks back and says: “We do business loans, and we have mortgages but that’s all online. You can download our app.”
I’m like: “Yes, but I came into the bank, to take a loan, in person.”
She just stood there and smiled.
I felt like I was taking crazy pills, but she told the truth. Most banks are for/about business transactions. Our personal accounts are a drop in the bucket for them. Even if they stand to make ~10% interest on a giant loan – it sometimes doesn’t pay for them to bother.
That’s why capitalism will fall apart eventually – the idea of “too big to fail” and capital concentration removes the fear from these institutions in carrying out their basic purpose as defined in their corporate charters :)
You’d think, but my bank is actively becoming hostile towards people walking in.
My debit card literally never works at the ATM, so I just take the 2 minutes to walk in and fill out a withdrawal form. It’s fine for the occasional need for cash.
Last time, they basically told me, in the future were requiring your debit card for security. There isn’t any reason for you to come in.
I would counter that with: “if you’d give me a debit card that worked, I wouldn’t have to”
Yeah they want to fire at least some of the tellers.
I just hand them my debit card inside and tell them what I want. Usually with an apology that I haven’t filled out a deposit/withdrawal form. Most of the time the teller will say it’s fine and the same amount of work for them either way. I’m sure it depends on the bank or branch, and I personally try to avoid the bigger banks like Bank of America or Chase just because their fees are so much higher and I hear their service is worse, so that’s probably a factor as well.
I walked into a big bank ™ once looking to take out a loan.
They said: “Sorry, we don’t do personal loans anymore.”
I blinked for a moment and went: “You are a bank – who doesn’t do loans?”
She blinks back and says: “We do business loans, and we have mortgages but that’s all online. You can download our app.”
I’m like: “Yes, but I came into the bank, to take a loan, in person.”
She just stood there and smiled.
I felt like I was taking crazy pills, but she told the truth. Most banks are for/about business transactions. Our personal accounts are a drop in the bucket for them. Even if they stand to make ~10% interest on a giant loan – it sometimes doesn’t pay for them to bother.
That’s why capitalism will fall apart eventually – the idea of “too big to fail” and capital concentration removes the fear from these institutions in carrying out their basic purpose as defined in their corporate charters :)