Vic Smith wrote:

That's why I didn't recommend them except for the online part.
They got me for a 15 buck charge when my checking went below a min
balance.
I didn't read something they sent me that changed the rules.
So I happened to be in there getting something notarized and asked
about that charge. What happened was explained, and the gal said
she could change that min balance back to the zero it was, and she did
that on the spot. I asked about getting the 15 buck charge reversed
and she basically said "Don't even think about it."
Couple weeks ago we cashed in a small IRA CD we had there for about 10
years. Took the pre-59 1/2 penalty hit so barely broke even.
Main reason we did that is they had worked it down from the original
5% APR to .10% APR.
Screw them. I can be a prick too.
They start screwing me I'll take my money elsewhere for a dime better
deal. I'll stop just short of cutting off my nose.

Heh! One of my customers came in my store one day, mad as a hatter! "What's
up?" I asked.

He said: "As I was leaving home this morning the wife grabbed me and said
"STOP! There is NO money in the household account and the yard men are
coming today! - So I wrote her a check for $2,000.

"She calls me later at the office and says the bank won't give her $200 in
cash against the check. I tell her to stand by, I'll be right there.

"I get there and the bank officer tells me they don't advance cash against
uncollected funds. Slug-****ers!

"I reach in my coat pocket and pull out a $200,000 CD I had just bought when
we transferred funds from our New York bank. 'OK, ****er, cash this!"

"After much foot-shuffling and excuse making he says 'Well, if we must,
we'll issue you a cashier's check.

"No ****in' way! You don't honor my check, I don't take yours. I want cash.
That's spelled C-A-S-H!

"He then tells me he doesn't think they HAVE $200,000 in the building. I
tell him he's part of Republic Bank Group. Get on the 'phone and have an
armored car deliver some. I further tell him that if I don't get my money
in, say, an hour, I'm on the phone to the state banking commission, the
Comptroller of the Currency who licenses national banks, the FDIC, the city
rat control bureau, and every other group I can think of. . ."

"So where's the money?" I ask.

"Oh, it's at my other bank. These assholes across the street had the armored
car deliver it over there."

Sigh. If only mere mortals like us could take similar action.



Laws don't work well with crooks.
Surprised the teller was dishonest about charging for the quarters.

She wasn't exactly "dishonest" so much as "untruthful." I didn't ask if
there was a charge for turning paper money into coins and she didn't
volunteer the information.

What's with the "slot" at a bank?
Rough neighborhood?


Not particularily. I guess they just don't want to encourage rascally
behavior by tempting a good boy to go bad. This is the same bank that put up
a "No guns allowed" sign back in 1995 when our state's concealed handgun law
went into effect. I went bridal on the sumbitch who was in charge of
corporate bank security. He was intransigent.

Fortunately, I had a snitch at my local branch who told me every time one of
their branches got robbed (two or three a month). Armed (pardon the pun)
with this info, I'd call up the same doofus and rag his worthless ass on two
fronts:
1) How's your "no gun policy" working for you today, and
2) Had I been there, there would have been nothing I could have done to
protect my life or the lives of others because you made me leave my hog-leg
in the car.

The policy was eventually rescinded. I don't know whether my agitation
caused the company to re-think their position, but I'm sure it helped.