I HAAAAATE Banks!

Yep, the bank I worked for would waive the fees for good customers. Phoenix, you say you're a "good customer". In the banking world, I don't think you are a good customer if you're racking up overdraft fees.

I also don't get the "I hate banks" attitude. In my experience, people who hate their bank are the people who don't take care of their finances. Just as people who hate their boss are people who get chewed out for not doing their job. And people who hate police are people who get pissed for getting a ticket that they deserved. In those examples, if you just do what you're supposed to do, everything will be peachy. No unnecessary fees, lectures or tickets. I just don't get it when someone does something that incurs a penalty and then they blame the other person or business for it. It makes no sense.
Originally Posted by Peppy
So how could the bank you worked for would waive the fees for good customers?... if "good" customers didn't incur those fees to begin with...?

I understand you're biased about the police. But I haven't had a ticket in about 20 years (the one I did get was a teeny parking ticket at my local library). And I still don't like police in general. It's not because they've done their job of ticketing me or anything else; it's because they often don't do their jobs.
Originally Posted by Phoenix
Some banks have certain criteria that allow them to reverse fees as soon as the customer asks, and some times they have to tell them no. It usually depends on the origin of the error (bank error, deposit was held and didn't post to the account, etc). It can also have to do with the number of over drafts that a customer has had within a specified amount of time.

Some banks also have a "tiered" fee system. Your fee is $ for the first over draft, $$ for the fourth, and $$$ for the sixth.

It's not your banks fault that "things are tight" right now, they really don't care what you have going in/out. All they care about is that you keep track. If you screw up, it's not THEIR fault. YOU wrote the check or used the debit card.

Banks are NOT non-profit businesses, and in fact get most of their revenue from credit card interest and loan interest.
I know in my case, I have had the banks waive fees when I miscalculated my account. That has happened one time in the 10 years I have been with them. For me, it was a simple calculation error in my bank book. I went in, spoke with them and they cleared it up for me, waiving the fees.

I do not understand why you are mad about service fees either. If you do not like them, go to a different bank. I searched around and found a business I wanted to work with...and who was also willing to work with me...If you do not like yours, move on and find another establishment to bank with, complianing sure as hell isn't going to fix the problem.
I go back to Riley's point that banks are businesses. When you open an account, you're made aware of the fees associated with that account. If they update the terms and you don't like them, then close the account. Hating the bank is irrational.
Originally Posted by PhDCow
Exactly - you enter into the relationship knowing what the terms are. I can't fathom why people think they should get special treatment and the rules shouldn't apply to them just because 'oops I made a mistake'. Like I said, I get being annoyed about it, but I'd be even more annoyed with myself that I made it happen. I was the one in control of whether or not I was penalized, I was the one who effed up. It's just irrational to stomp around saying penalties are unfair and I HATE BANKS.

I accidentally paid my credit card bill a day late last month and they charged me $40. Yeah, it sucks, but I should have paid my bill on time. I knew what would happen if I didn't - I just forgot, so I paid my $40 and I'll pay it on time this month.
Originally Posted by rileyb

Yeah, but as madscientist said, at least where we live, if one bank jacks up fees the others tend to follow suit so it's easier said than done to just close your account, and you need your money to be somewhere other than under the mattress.
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali











I go back to Riley's point that banks are businesses. When you open an account, you're made aware of the fees associated with that account. If they update the terms and you don't like them, then close the account. Hating the bank is irrational.
Originally Posted by PhDCow
Exactly - you enter into the relationship knowing what the terms are. I can't fathom why people think they should get special treatment and the rules shouldn't apply to them just because 'oops I made a mistake'. Like I said, I get being annoyed about it, but I'd be even more annoyed with myself that I made it happen. I was the one in control of whether or not I was penalized, I was the one who effed up. It's just irrational to stomp around saying penalties are unfair and I HATE BANKS.

I accidentally paid my credit card bill a day late last month and they charged me $40. Yeah, it sucks, but I should have paid my bill on time. I knew what would happen if I didn't - I just forgot, so I paid my $40 and I'll pay it on time this month.
Originally Posted by rileyb

Yeah, but as madscientist said, at least where we live, if one bank jacks up fees the others tend to follow suit so it's easier said than done to just close your account, and you need your money to be somewhere other than under the mattress.
Originally Posted by Amneris
Well, then be super diligent about keeping track of your funds...regardless if "times are rough." Like someone stated earlier, banks make it VERY easy to keep track of your bank balance; paper statements, phone banks, online banking, etc. If you have all of the means necessary to check your account EVERYDAY, and you still screw it up...well...
ok, but you brought up the police.
Originally Posted by Phoenix

Yeah, we didn't bring the police up - if anything, WE were baited.
Originally Posted by Amneris
:snort:

As if you both don't bait others with some of your comments.
Originally Posted by M2LR

I don't have any problem saying what I want to say without "baiting" people. I like to get responses, or I wouldn't put it out there.

And are we talking about this thread or some other thread/s in the past? Because on this thread, the only person trying to stir something up was Peppy.
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali












Exactly - you enter into the relationship knowing what the terms are. I can't fathom why people think they should get special treatment and the rules shouldn't apply to them just because 'oops I made a mistake'. Like I said, I get being annoyed about it, but I'd be even more annoyed with myself that I made it happen. I was the one in control of whether or not I was penalized, I was the one who effed up. It's just irrational to stomp around saying penalties are unfair and I HATE BANKS.

I accidentally paid my credit card bill a day late last month and they charged me $40. Yeah, it sucks, but I should have paid my bill on time. I knew what would happen if I didn't - I just forgot, so I paid my $40 and I'll pay it on time this month.
Originally Posted by rileyb

Yeah, but as madscientist said, at least where we live, if one bank jacks up fees the others tend to follow suit so it's easier said than done to just close your account, and you need your money to be somewhere other than under the mattress.
Originally Posted by Amneris
Well, then be super diligent about keeping track of your funds...regardless if "times are rough." Like someone stated earlier, banks make it VERY easy to keep track of your bank balance; paper statements, phone banks, online banking, etc. If you have all of the means necessary to check your account EVERYDAY, and you still screw it up...well...
Originally Posted by M2LR
I have never "screwed up" in terms of bouncing cheques or overdrafts. I am pretty good with my money. I object to some of the other exorbitant fees for legitimate banking activities, like writing or cashing cheques.
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali













Yeah, but as madscientist said, at least where we live, if one bank jacks up fees the others tend to follow suit so it's easier said than done to just close your account, and you need your money to be somewhere other than under the mattress.
Originally Posted by Amneris
Well, then be super diligent about keeping track of your funds...regardless if "times are rough." Like someone stated earlier, banks make it VERY easy to keep track of your bank balance; paper statements, phone banks, online banking, etc. If you have all of the means necessary to check your account EVERYDAY, and you still screw it up...well...
Originally Posted by M2LR
I have never "screwed up" in terms of bouncing cheques or overdrafts. I am pretty good with my money. I object to some of the other exorbitant fees for legitimate banking activities, like writing or cashing cheques.
Originally Posted by Amneris
Maybe I wasn't talking to you specifically.
Online banking is my best friend. I haven't bounced a single check or been overdrawn even once since I started using online banking 8 years ago or so.

I write everything down in my checkbook anyway, but at the end of every day I go online and check off what's gone through the bank. It's seriously a miracle.

I was another who was awful at balancing my checkbook - I got myself $700 overdrawn one time! But since online checking? NOPE!!!

I HIGHLY recommend it. Sure it takes a few minutes each day, but literally...it takes like 5 minutes every day. And it isn't like I'm not online anyway.
*~*~*~*~*~*~*~*

Rock on with your bad self.

*~*~*~*~*~*~*~*

Be excellent to each other. ~ Abraham Lincoln

*~*~*~*~*~*~*~*
Banned
Join Date: Jun 2001
Posts: 41,043
Folks still write checks?
Folks still write checks?
Originally Posted by WilePECoyote - The Nudist Poster

There's no other way to pay for daycare, supplementary casebooks or clothing from school, vocal coachings, and numerous other things.

PartyHair, I agree - online banking definitely makes it easier to keep track of things.
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali











ok, but you brought up the police.
Originally Posted by Phoenix

Yeah, we didn't bring the police up - if anything, WE were baited.
Originally Posted by Amneris
:snort:

As if you both don't bait others with some of your comments.
Originally Posted by M2LR
PLEASE!! You're one to talk....Good gravy, woman.
No MAS.

I am the new Black.

"Hope the Mail are saving space tomorrow for Samantha Brick's reaction piece on the reactions to her piece about the reactions to her piece." ~ Tweet reposted by Rou.

http://www.youtube.com/user/Kimshi4242

http://www.tumblr.com/blog/kimshi4242
See, this is the very reason I lurk most of the time instead of posting.

I used it as a freakin' example and both of you know that and know exactly what I meant.

Carry on.
Originally Posted by Peppy
Yeah, we don't see you much here anymore. It's nice to know that you're lurking still.
Folks still write checks?
Originally Posted by WilePECoyote - The Nudist Poster
Yep - I write two a month, for bills I can't pay online.
*~*~*~*~*~*~*~*

Rock on with your bad self.

*~*~*~*~*~*~*~*

Be excellent to each other. ~ Abraham Lincoln

*~*~*~*~*~*~*~*


Yeah, we didn't bring the police up - if anything, WE were baited.
Originally Posted by Amneris
:snort:

As if you both don't bait others with some of your comments.
Originally Posted by M2LR

I don't have any problem saying what I want to say without "baiting" people. I like to get responses, or I wouldn't put it out there.

And are we talking about this thread or some other thread/s in the past? Because on this thread, the only person trying to stir something up was Peppy.
Originally Posted by Amneris
This is very inaccurate. She was trying to explain a position, using legitimate examples.
There's no such thing as global warming. Chuck Norris was cold so he turned up the sun.
This is very inaccurate. She was trying to explain a position, using legitimate examples.
Originally Posted by *Cricket*
I agree. She didn't stir anything up at all. Why look for a fight where there isn't one?
This is very inaccurate. She was trying to explain a position, using legitimate examples.
Originally Posted by *Cricket*
I agree. She didn't stir anything up at all. Why look for a fight where there isn't one?
Originally Posted by battinlash
Are ya new here?
*~*~*~*~*~*~*~*

Rock on with your bad self.

*~*~*~*~*~*~*~*

Be excellent to each other. ~ Abraham Lincoln

*~*~*~*~*~*~*~*
Hee.
No MAS.

I am the new Black.

"Hope the Mail are saving space tomorrow for Samantha Brick's reaction piece on the reactions to her piece about the reactions to her piece." ~ Tweet reposted by Rou.

http://www.youtube.com/user/Kimshi4242

http://www.tumblr.com/blog/kimshi4242
This is very inaccurate. She was trying to explain a position, using legitimate examples.
Originally Posted by *Cricket*
I agree. She didn't stir anything up at all. Why look for a fight where there isn't one?
Originally Posted by battinlash
Are ya new here?
Originally Posted by PartyHair
Aw, I know I shouldn't be surprised. I think a couple of posters have been purposely trying to make waves though. It's childish.
Oh, really? Such as whom? I hope you don't mean me.
No MAS.

I am the new Black.

"Hope the Mail are saving space tomorrow for Samantha Brick's reaction piece on the reactions to her piece about the reactions to her piece." ~ Tweet reposted by Rou.

http://www.youtube.com/user/Kimshi4242

http://www.tumblr.com/blog/kimshi4242
Oh, really? Such as whom? I hope you don't mean me.
Originally Posted by Phoenix
Yes, I do mean you - I have no problem naming names. I like you and I enjoy your posts, but I think you derail a lot of threads with petty bickering and I'm hoping you'll stop. I am just being honest.

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