On Thu, 24 Mar 2011 14:06:14 -0500, Metspitzer
wrote:

I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records. I
politely told him.............no.

I was transferred to the other department for a new recording. I then
had to go back to my records (in another room from my computer) to
provide them with my account number again. I was put on hold for a
min or two and then.....I am sorry we can't complete this
transaction.........click.

I've used the same bank for years without problems.
Went through 3 name changes, now it's Chase.
Not recommending it except the online stuff works well.
I use Quicken to interface for most bill paying and there's no charge.
Suits me because they have a nearby branch and cash machines.
Also use their rewards CC. Both are available logging into one
account.
You can change online payee address easily.
You should ask around about what works locally.
No reason not to change banks except the hassle of changing direct
deposits and any automatic withdrawals.
Keep the old account open a while until all is final..
I went through that ISP change hassle until I created a free Yahoo
mail account.
If you save all records to your PC you can do all business from there.
Need to keep backups, and you can still keep paper if you want.

--Vic

I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records. I
politely told him.............no.

I was transferred to the other department for a new recording. I then
had to go back to my records (in another room from my computer) to
provide them with my account number again. I was put on hold for a
min or two and then.....I am sorry we can't complete this
transaction.........click.


--
O'Neil to General Hammond:
For the record Sir, I wanted to blow it the hell up.

Vic Smith wrote:
On Thu, 24 Mar 2011 14:06:14 -0500, Metspitzer
wrote:

I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records.
I politely told him.............no.

I was transferred to the other department for a new recording. I
then had to go back to my records (in another room from my computer)
to provide them with my account number again. I was put on hold for
a min or two and then.....I am sorry we can't complete this
transaction.........click.

I've used the same bank for years without problems.
Went through 3 name changes, now it's Chase.
Not recommending it except the online stuff works well.
I use Quicken to interface for most bill paying and there's no charge.
Suits me because they have a nearby branch and cash machines.
Also use their rewards CC. Both are available logging into one
account.
You can change online payee address easily.
You should ask around about what works locally.
No reason not to change banks except the hassle of changing direct
deposits and any automatic withdrawals.
Keep the old account open a while until all is final..
I went through that ISP change hassle until I created a free Yahoo
mail account.
If you save all records to your PC you can do all business from there.
Need to keep backups, and you can still keep paper if you want.


Yes, Chase has a pretty good online interaction.

Still, after 23 years of free corporate checking, they are now charging
$15/month.

Then, too, recently I walked up to the teller and asked for two rolls of
quarters while placing a $20 bill in the slot. She wanted my debit card -
"to make sure I was a bank customer" she said. I found out the real reason
two days ago.

The bank charged me fifty cents to change a twenty into quarters!

Since the feds recently ruled that banks cannot charge unconscionable fees
for credit cards, overdrafts, etc., from the slugs of society, the bank has
to make up the lost revenue by sticking it to the righteous.

"Metspitzer" wrote in message
...
I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records. I
politely told him.............no.

I was transferred to the other department for a new recording. I then
had to go back to my records (in another room from my computer) to
provide them with my account number again. I was put on hold for a
min or two and then.....I am sorry we can't complete this
transaction.........click.

What is your account number? I'll straighten it out.

On Thu, 24 Mar 2011 15:51:17 -0500, "HeyBub"
wrote:



Yes, Chase has a pretty good online interaction.

Still, after 23 years of free corporate checking, they are now charging
$15/month.

Then, too, recently I walked up to the teller and asked for two rolls of
quarters while placing a $20 bill in the slot. She wanted my debit card -
"to make sure I was a bank customer" she said. I found out the real reason
two days ago.

The bank charged me fifty cents to change a twenty into quarters!


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.

For now they get to use the average balance I keep in my no interest
checking account to pay bills using their system for free.
At today's interest rates it's a good enough trade.


Since the feds recently ruled that banks cannot charge unconscionable fees
for credit cards, overdrafts, etc., from the slugs of society, the bank has
to make up the lost revenue by sticking it to the righteous.


Laws don't work well with crooks.
Surprised the teller was dishonest about charging for the quarters.
What's with the "slot" at a bank?
Rough neighborhood?

--Vic

On Thu, 24 Mar 2011 21:57:12 -0500, Vic Smith
wrote:

On Thu, 24 Mar 2011 15:51:17 -0500, "HeyBub"
wrote:



Yes, Chase has a pretty good online interaction.

Still, after 23 years of free corporate checking, they are now charging
$15/month.

Then, too, recently I walked up to the teller and asked for two rolls of
quarters while placing a $20 bill in the slot. She wanted my debit card -
"to make sure I was a bank customer" she said. I found out the real reason
two days ago.

The bank charged me fifty cents to change a twenty into quarters!


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.

The only reasons we still deal with a bank is that we moved money there when
we moved to town and bought our house. It was easier, for the down payment,
to move money within the bank than from out of state. We kept the accounts
when my wife started working at the bank. They too have changed the rules but
so far it doesn't affect us. The minute it does we'll pull the money out and
put it somewhere the money is valued.

For individuals, credit unions are almost always the way to go. We still do
most of our "banking" with a CU we haven't set foot in for almost 20 years. We
wouldn't have a local bank if my wife weren't working at the bank here. We
didn't when we lived in VT.

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.

That's your fault. You should have rolled it over into another IRA. Obama
thanks you, though.

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.

Do it. CUs are almost always a better deal.

For now they get to use the average balance I keep in my no interest
checking account to pay bills using their system for free.
At today's interest rates it's a good enough trade.


Since the feds recently ruled that banks cannot charge unconscionable fees
for credit cards, overdrafts, etc., from the slugs of society, the bank has
to make up the lost revenue by sticking it to the righteous.


Laws don't work well with crooks.
Surprised the teller was dishonest about charging for the quarters.
What's with the "slot" at a bank?
Rough neighborhood?

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.

On 3/24/2011 3:06 PM, Metspitzer wrote:
I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records. I
politely told him.............no.

I was transferred to the other department for a new recording. I then
had to go back to my records (in another room from my computer) to
provide them with my account number again. I was put on hold for a
min or two and then.....I am sorry we can't complete this
transaction.........click.


--
O'Neil to General Hammond:
For the record Sir, I wanted to blow it the hell up.
Look around for a credit union you may qualify to join. I've banked
with a credit union for over 30 years and have had absolutely
consistently excellent customer service. They pay better interest on
all interest bearing accounts, require lower limits for free checking,
have lower interest rates for loans. I can do all my banking on line
and can cite my credit union checking account to enable free "autopay"
options from utilites, newspapers, etc. And, all ATM fees from
non-affiliated ATMS are waived.

"K. Lance" wrote in :


"Metspitzer" wrote in message
...
I am changing ISPs so I have to change my email address. The first
email address I changed was my bank. Well today I got another email
from my bank to the old email address that will expire in about 4
days.

My bank was originally South Trust and they went to Wells Fargo. My
credit card was also South Trust. The email I got was from Wells
Fargo credit card rewards. So I called the bank and asked why the
email was still coming to the old address. The guy said...that was a
separate account. I could either log on to that web site or talk to
someone else in another department. I asked to do it over the phone,
and told him that setting up another username/password is very
inconvenient. He asked if I wanted the other number for my records. I
politely told him.............no.

I was transferred to the other department for a new recording. I then
had to go back to my records (in another room from my computer) to
provide them with my account number again. I was put on hold for a
min or two and then.....I am sorry we can't complete this
transaction.........click.

What is your account number? I'll straighten it out.




8675309