RE: [MLUG - DISCUSSION] banks fscking me

["Ross, Matt" <EMAIL:PROTECTED>]

If online/offline were the problem, it would have to be Central bank being
offline, and my bank being online.  Considering Central owns Jefferson's
network, I'd say thats unlikely.  My point was, though, if they're going to
wait 2-3 days (all checks I deposit seem to clear in 2-3 days) to cash
checks I deposit, then they ought to wait 2-3 days to cash checks I write.
I know its 'good business' to do so, but they're protecting the accounts of
larger customers and saying to hell with little customers like me by
delaying those deposits and not the withdrawls.  The corporations, on the
other hand, have the ability to wait 2-3 days for checks to clear, so I fail
to see why my checks aren't delayed.  It doesn't matter if the bank issuing
the check is in Japan or if its the same bank I'm depositing to, it takes
2-3 business days for every check.  Conversely, every check I write clears
the minute the bank opens the next business day.

> -----Original Message-----
> From: Brent Deterding [mailto:EMAIL:PROTECTED]
> Sent: Thursday, May 09, 2002 7:48 AM
> To: EMAIL:PROTECTED
> Subject: RE: [MLUG - DISCUSSION] banks fscking me
> 
> 
> Checks are all handled by the same place. Your problem may 
> have been if your
> bank weasn't "online" - in which case find a different bank 
> because offline
> banks suck.
> 
> If you deposit cash into your account you should have access to it
> immediately. In an offline bank you wait till the next business day.
> 
> -----Original Message-----
> From: EMAIL:PROTECTED
> [mailto:EMAIL:PROTECTED]On Behalf Of Matt Ross
> Sent: Wednesday, May 08, 2002 9:54 AM
> To: EMAIL:PROTECTED
> Subject: RE: [MLUG - DISCUSSION] banks fscking me
> 
> 
> Another personal story, I made a $30 miscalculation (forgot 
> to write it in
> my check stub).  The result, a $200 check cleared, and one 
> check under $10
> cleared with a charge somehow, despite the fact that I had 
> the money to
> cover it, I was charged $20, which dropped my account into 
> the negative,
> then two more checks totalling about $15 went through, each 
> with $20 charges
> each.  I had deposited a check for $400 the day before, but 
> knew better than
> to trust them to clear it in time, but I still got charged.  
> The net result:
> If the bank had cleared the $400 in a reasonable amount of 
> time (ie, the
> same time they take to clear my checks), then I wouldn't have 
> had a problem,
> if the bank hadn't charged me the inexplicable $20, I 
> wouldn't have had a
> problem, if the bank had taken as long to clear my check as 
> they do to clear
> checks I get, I wouldn't have had a problem.  Instead it was 
> my fault for
> miscalculating (ie, because I made the mistake of mentioning 
> that when I met
> with them).  The bank manager who I was meeting with told me 
> he'd consider
> it a 'learning experience' for me, and waive the fees.  This 
> is how they do
> business, in the classical style.  Its never the companies 
> fault, its always
> the fault of a stereotyped customer group (teenager in this 
> case), and a
> 'nice manager' will take care of all our problems, and a 
> neglected sign sits
> on the desk saying "the customer is always right".  You can 
> find this method
> of doing business in policy books from the early 1800's.
> 
> > I do agree with Jonathan that your best chance at getting 
> your money back
> > is to talk nicely to the people at the bank.  Make them 
> feel sorry for
> > you.  Related example:  I sometimes am assessed a late fee 
> for payment on
> > a credit card.  When this happens, I call the customer 
> service line and
> > tell them that I'm very sorry that I missed my payment, I 
> give some sort
> > of excuse, like I was traveling, etc., then I ask if it 
> would be possible
> > to waive the late fee.  They waive it every time.  If they 
> guy on the
> > phone didn't like me, he wouldn't have to waive the fee, 
> and he could add
> > a note in the record saying some bad thing about my 
> attitude (which might
> > make it hard for me to get help from other people).
> 
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