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labworm

labworm

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Massachusetts
In about a hour I will proceed down to the bank to get me some cashola.

I will write out a check for the amount needed before I leave the house.

When I enter the bank I have to squeeze through the crowd which is using their ATM card, always a small mob in line waiting.

I walk up to the teller, hand her my check, she hands me my cash, no charge applied for this service.

I then walk by the ATM card group, some still standing in line who were there when I walked in. Usually I say good day to them.

Get in my car and drive home.

And I don't even own one of those smart phones.:)
 
I usually hit the drive up ATM. Never even have to get out. Plus not many people are out as early as me, so there's never a wait.
 
I hit the ATM once every other week because the bank isn't open when I go to work or get off. Also no ATM charges with USAA.
 
So I'm guessing this is for a specific purchase?! And not one of those ...oh shoot I need $60!? I'm asking cause I don't carry around my checkbook in case I need money. Also ATM can be used for deposits now instead of waiting in line and listening to people argue that their checks bounced or that they had more money than the teller is showing. 9/10 times my deposits in the ATM are faster than waiting for the teller
 
Our bank has a deal where they pay ANY ATM FEE ANYWHERE - So, no charge to me.
Also with 3 banks in our little town there's never any waiting at an ATM.
I can't remember the last time I wrote a check.
 
I used an ATM once, in 1983 (to buy goodies at the OGCA show). When I went in to pay it off and they couldn't process it. At the end of the month I made them remove all ATM services from my account and refuse to use one again! Ivan
 
I usually get "cash back" at the grocery store using my debit card - no charge for that - I also get stamps there when needed which is not much these days.
 
I despise banks. Used to be they were friendly places who knew you and they made an honest buck by taking in your savings and loaning it out for deserving needs, charging and paying a decent rate. Now their business model is different. Nickel and dime the suckers to death at every turn. I went into the bank a couple of weeks ago to put some insurance papers into my safe deposit box. It took a half hour wait for some "customer service" person to escort me into the vault. While waiting there I watched people, mostly older than me and I am not young, standing in line waiting to do simple things at a teller window they could have accomplished without ever setting foot on bank property. I concluded that they must not have anything else to do. With my bank's phone app, I don't even have to go to the bank to deposit my wife's paychecks. She gets three a week and being able to take a scan of them and enter the information over the phone is priceless. We live in the boonies and going to town to bank is a PITA.
I only write checks to my hay guy who delivers and my large animal vet who makes housecalls. If not for these two luddites I'd never write another check.
 
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Before I quit working for a living, I worked for the Social Security Administration for a while. The first time they tried to force everyone to use direct deposit in the nineties, I had a customer tell me in all seriousness that it was a sign of the devil. They backed off at that time due to political considerations.

Then later they started staggering the checks because the Treasury Department, US Postal service, and banks told us it was too hard on them to do everything on just the 3rd day of the month. With millions of customers, they had a point.

Then direct deposit was instituted for almost everybody. Many older people told me later that it was the best thing that ever happened to them, although a few were of course unhappy. Everybody wants the government to save money, as long as it doesn't inconvenience them. Millions of dollars are saved with direct deposit.

Some people still want that paper check. Heck, when I was in the US Air Force, I had old timers tell me they would have preferred to still be issued cash as in the good old days, instead of a paper check. I'll bet when paper money first started catching on, there were people who still wanted gold or pigs instead. And onward we march.
 
For the usual small withdrawls I use the drive-up atm.
Today I went inside to cash a large check to get my car
out of hock from the body shop.

I have done "bidness" with him before and always tell
him it will be a CASH transaction. Saved me two bills.:D
 
Sheese....Here it is the 7th and Labworm still has money in his account.....My Soc Sec and other pension is almost all spent.:mad:


AH....But I know where they still sell coffee for .20, not the greatest tasting coffee, but for .20, so after I do some searching thru some of my old pants pockets, and under the sofa seat cushions I just might make it to November 1st.:D


P.S., I wish the rain would hold off for another week or so....Finding those old stogie butts before they get all soaked, so I'd have something to enjoy my coffee with.:o


WuzzFuzz
 
Nickel and diming the ATM got me into trouble by forgetting to record transactions.Now it's one cashed check every 4-5 weeks and I'm good to go.Checks are for monthly bills and credit card is for guns or ammo and paid off every month.

Call me old-fashioned but a smart phone is only as smart as the person using it.Like other people here I still prefer face to face interactions as much as possible.
 
I usually walk backwards up to the drive through ATM and extract $200.
But then agin I'm a lefthanded Southern Conservative.
 
I go to the bank once a month to cash checks and I buy stuff with money. Most people think I am crazy but I don't want a record of gas, eating out, powder and shot, etc. Larry
 
WuzzFuzz said:
Sheese....Here it is the 7th and Labworm still has money in his account.....My Soc Sec and other pension is almost all spent.:mad:


AH....But I know where they still sell coffee for .20, not the greatest tasting coffee, but for .20, so after I do some searching thru some of my old pants pockets, and under the sofa seat cushions I just might make it to November 1st.:D


P.S., I wish the rain would hold off for another week or so....Finding those old stogie butts before they get all soaked, so I'd have something to enjoy my coffee with.:o


WuzzFuzz
Click to expand...
My wife just started getting SS. We would go through our 1st of the month pensions quickly. Now she gets SS on the 18th so we have money at the end of month also. Life is good.
 
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I use the ATM fairly often. It can be an awesome tool to make the overall transaction quicker, but it is not always the case. I have no problem going into the bank, but I always have them trying to get me to sign up for a credit card at BOA and it can be very annoying.
 
Direct deposit of pension and SS check, ATM drive-up 24/7 with no
fee from member bank, ATM debit card at the gas pump and grocery
store self checkout. No nostalgia here for the old ways.
 
wyccad915 said:
I use the ATM fairly often. It can be an awesome tool to make the overall transaction quicker, but it is not always the case. I have no problem going into the bank, but I always have them trying to get me to sign up for a credit card at BOA and it can be very annoying.
Click to expand...
That's the problem with BOA, they have their employees sell you stuff and it's mandatory. My sister used to work at BOA and upon seeing your account she had to tell you about a new card or line of credit that is available to you based on how you bank and how you spend. She would then hand you over to a banking specialist who would then sign you up. They have to have a min number of referrals and sign ups or risk getting fired
 
I was seriously going to leap the counter and strangle the last BoA teller I had to deal with when my immigrant friend was trying to cash the second installment check "on them" that was issued from an insurance company, and they were insisting he needed a passport, sign two pages of notarized documents, and leave a thumbprint, particularly when the first installment check we did this way at the same bank went very smoothly.
 
BarbC said:
I was seriously going to leap the counter and strangle the last BoA teller I had to deal with when my immigrant friend was trying to cash the second installment check "on them" that was issued from an insurance company, and they were insisting he needed a passport, sign two pages of notarized documents, and leave a thumbprint, particularly when the first installment check we did this way at the same bank went very smoothly.
Click to expand...

Bank Of America, the nerve for them to even use that name.
Dumped them many years ago, their loss, believe me.:)
 
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