You Can Bank on It.

Disclaimer: All folks who work the drive thru window may not be the dumbest people on the face of the earth, however, the dumbest ones I ever met work the drive thru window at the bank.

Yesterday, I was reading one of my favorite blogs, and I was reminded of a few dumb bank worker experiences that I have had.

My current bank (actually a credit union) has absolutely the worst customer service anywhere. If no one is in line in front of me, I can count on taking at least 5 minutes for the simplest transaction. For me to just deposit a check, it takes at least that long. If I want to take money out?

Other banks have opened branches, gotten government bailout money, wasted it, and merged with other banks in less time. I need to provide 2 forms of ID, a note from all my grandparents, and my third grade report card, along with a urine sample and a complete and detailed explanation of how I plan to spend my money, if they decide to give it to me. After providing all that documentation, the teller usually goes to lunch, and I have to go through the process all over again, or wait until the original teller returns from lunch in 3 days.

Ok, maybe I've exaggerated slightly, but seriously, it has taken as long as 15 minutes to deposit a simple paycheck and get a few dollars back as the teller checks, then rechecks, then runs a report.

But, the single dumbest drive thru teller I ever encountered ever was a few years ago.

Sadly, this stoy is 100% true.

I had 4 (four) $50 bills, cash total $200. Here's where it gets tricky. I told the teller I wanted to deposit $180.

She then told me that my balance was under $20, so I couldn't get $20 back until the deposit (of $200 in cash) cleared.

I patiently explained to her that it was cash. She told me it was bank policy.

Now, I have entered the realm of "Difficult Customer." I could see it on her face. I could see it in her dull eyes, reflecting her barely functioning brain.

I demanded that she go to ask someone else. She was pretty annoyed. She slammed the counter. I wasn't driving off, though.

Finally, I demanded to see the branch manager. She was pretty angry as the incredibly stupid seem to always be. She walked away in a huff. A few minutes later, she returned, and, as she let me know, as a courtesy, she agreed to give me my $20.


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It's Saturday, Crappy week continues

It has been a bad week, with the cable troubles earlier in the week, and now the week ends with aggravation.

Oh, and I am annoyed. In fact, an entire industry has me rankled.

Banks and Bankers.

I hate bankers. A lot. I suppose they must have a use, but overall, they are pretty damned slimy critters. I don't mean the nice lady who takes my piece of paper, and gives me other, more usable pieces of paper back. I mean the big mucky mucks. The turn our economy into crap while they make billions bankers.

I get a notice in the mail that I forgot to pay my credit card bill. I forgot to pay $15 on a bill of a bit over $100. Ok, my fault. I messed up.

So, I simply call the electronic payment thing and try to pay off the card. Like I stated, it's only a bit over $100. And I have more than $100 in THE SAME BANK. But, they froze my account. They charged me $29.00 because I forgot to pay $15. So far, they are charging me 100% interest (loan sharks call it the vig) on my late payment. It is due immediately, and that works out to 1200% interest annually.

Meanwhile, these thieving bastages, are paying me 1% interest on the money they are holding in my account that they have stolen froze.

Exactly how incompetant were banks that went under when they make such a tremendous profit?

And before anyone tells me that banks were forced to make bad loans by the gubmint, yeah, I know. And I also know that among the biggest contributors to political campaigns is the banking and finance industry. Gives one pause doesn't it?

I'm not in a very good mood today. I hate banks. Banks suck.

Do Amish people use banks?

Slightly Friendlier than Bankers

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