a bench with a view

a bench with a view

Thursday, June 28, 2012

bank mishaps

So son's payday was last week for his two jobs of auto detailing and valeting. The same person owns both companies, but has them as separate entities.  For some reason, the check for valeting bounced. Imagine his surprise when he went online to check his balance and saw that he was overdrawn and it wasn't his fault (this time). So he had to call the employer, who profusely apologized, son drove down to the shop, got another check plus the fee his bank charged for the insufficient funds check.

I told him maybe he might want to take the check to his employer's bank and just cash it, just in case..... , especially since he was going to be out of town for a few days.  So he tried that, only to find out to cash it, since son didn't have an account there, would cost $7.00. He declined; they checked the account and said there were sufficient funds to cover the check so he deposited it in his regular checking account.

Got me to thinking about banking in the "good old days". Growing up, my mom banked at Bank of America. They literally had banking hours, open 10 a.m. to 4 p.m. but would stay opened later on Fridays. They had walk up window that opened at 9 a.m. just in case you had to take care of business before the bank opened.

Somewhere along the way, drive up windows became popular and was a godsend for moms with young children. They could do their banking business and not have to haul the kids with them inside the bank building. And there was the added benefit if the teller saw there were kids in the car, she would send lollipops back with the banking business. And it she saw a dog, a dog cookie. Banking in Montana was a favorite thing for Koda; remember corgis don't forget food sources. He would always eagerly show himself at the window while I drove through the drive up window so he could get his treat. He was never disappointed.

Then ATM machines were invented and they were all over the place. Remember the days when they were free, even if you didn't have an account at that bank?

Nowadays banks are in grocery stores. You can bank online. You can have your paycheck directly deposited to your account. You can transfer money from one account to another online. I haven't seen a walk up window or a drive up window in years here where we live.

Heck, I haven't been in a bank in a few years myself. I either take care of things online or through the ATM machine and I get my paycheck directly deposited.  Its kind of weird, isn't it? I'm sure that has led to the demise of some teller jobs.

Banking sure has changed in a few short years.

What about you? When was the last time you were in a bank?

30 comments:

JosephAlsarraf said...

Oh that sucks, kind of weird.

Lol! Ya I remember when my mom used to go to those drive through banks when my brother and sisters were in the car in the 90's. I don't remember getting any candy!!! But we still have them here, although my dad rarely uses them he goes inside the bank. I do my banking online! : )

Michelle said...

My check is directly deposited. I transfer funds via computer. My bills are paid automatically by each company via a 'setup', so water, lights, etc, automatically come out. It saves me a lot of time and paper. I rarely write a check, except when I go to the drs office, although I could use my debit card. I use that so seldom that I don't even know my pin number. My hubby buys groceries on the way home from work, as he drives right by.

The only time I go inside a bank is when we apply for a loan, or refinance the house. Yes, times have changed. It is so nice to be able to stay on top of things via the computer, even if it is 1:30 in the morning when I can't sleep!

Shelly said...

The last time I was in a real bank? Gosh, I can't even remember. I hadn't thought about all these changes until you detailed them. Wow-

Kathy ... aka Nana said...

I can't remember the last time I was inside a bank ... or even the drive-up window. Our pension checks are directly deposited, and all our bills are paid by electronic transfers on the due dates. In fact, the only checks I write are to church once a month.

I'm mostly known as 'MA' said...

I still see the inside of my bank pretty often and the drive in windows around here are frequently used. Maybe we are a little backward here. It would seem strange to me not to do that. Changes are something we will all need to get used to though. They say that someday checks will be a thing of the past.

Blondee said...

Thank you for the encouraging words with the hubby. :) I appreciate it very much.

My Mom was a bank teller before she became a Mom. :)
We do our banking in the bank weekly. Hubby has a lot of anxiety issues (seriously) and cannot trust online paying, ATM's etc...and yes, I remember being a little girl and having lollipops send out through the little drawer at the drive up teller.
We homeschool and I took our children on a field trip to our local bank three years ago. What a NEAT experience! The kids got to see transactions being made, how they balance out their drawers, we went in the vault (it's shocking how little cash is actually kept in there!!) and the goodies they sent the kids home with (Lollipops, a ceramic piggy bank, a $15.oo voucher to add to their savings accounts, blank check book registers to write in and pens/pencils) was incredibly fun and thoughful.

banning brewd said...

the drive up window is amazing...a life saver for my family!

Jeanie said...

Lots of drive up windows here so I haven't been inside my bank in a long time. I actually rarely use the drive up window-more like you I use direct deposit and ATM machines.

Linda said...

Living near a small city (pop. 1,200 people--in the winter). I usually use the drive through where they will send stickers out for the grandbabes if they are with me. At Christmas they always place their gift of the year through the drawer. Last year it was a canvas tote bag. Every Friday during the month of June, they give away free ice cream cones for June Dairy Month. (Remember this is Wisconsin.) Sometimes rural areas do have special treats. :)

MorningAJ said...

You might not have heard on that side of the pond that the UK has just had a banking meltdown. RBS (MY bank) and NatWest (my partner's bank) managed to mess up their IT royally. They're both branches of the same business so, when one goes, they both fall over.

Apparently they have farmed out their IT maintenance to a remote service company in India. When someone over there noticed that there was a problem, rather than fixing it, they did the old 'switch it off and switch it back on again' trick. And managed to lose details of 1.9million transactions in the process.

People are having their bank cards taken away, payments refused, cheques bounced etc. One guy even spent the weekend in prison because his bail cheque wouldn't clear when the court tried to pay it in on Friday.

There's another guy in Australia on holiday with just four dollars to his name because his account says 'zero' even though it was pay day two days ago. It's chaos.

There's a lot to be said for having to go and see a teller and wait in a queue!

Tami said...

I also remember the days before electronic checks/debit cards - when a check had to physically travel from the store where you wrote it to the bank. It could take several days before a check cleared. So I frequently (in the leaner years) went grocery shopping on Thursday, knowing that the check wouldn't reach the bank until long after paychecks were deposited on Friday. We also sent payment for bills by regular mail, which meant even more days passed before the check actually cleared.

Aaah - the good old days. :)

Linda B. said...

2 weeks ago. Been inside bank more this past year,cashing in quarters from pocket change to go towards daughter's wedding fund. This same daughter got a stuffed teddy bear from sweetest tellers 20-some years ago, we'd go 3-4 times a week to make business deposits, helping out after my dad passed.

Our church recently started encouraging electronic offering. I'm still old-fashioned, low-tech when it comes to money.

Glad bounced check had happy ending!

Glad

Dana said...

I was in a bank a few weeks ago. I actually prefer going in to deposit things like birthday checks. I guess I must not trust the ATM to do the work for me! ;)

Big Mark 243 said...

I go into my Wells Fargo twice a month and have done so ever since I have lived in Omaha!! I do remember when going to the bank meant you had to be there between 9am and 4 pm, but there are now financial institutions open until 7!

Glad that your son not only was able to cash his check but was reimbursed for the bounced check fee!1

Toriz said...

Mot things have changed a lot in ecent years.

I haven't been in a bank for some time; Kelly's been in to deposit cheques for me, but other than that I think it's been more than a year since I was in a bank. Normally I do my banking over the phone.

Debby@Just Breathe said...

Yes they have changed. Funny that around where my dad lives in Florida it is still popular to go into the bank. Must be all the retired seniors living there. Anyway the last time may have been around Christmas when I like to get some larger bills. Sorry about the hassle of that check you son had.

Chatty Crone said...

Hey - there are some accounts now - and this is the truth - you can't make a withdrawal from a live banker or a deposit - you have to do it all on the ATM! True I had one. sandie

Karen Greenberg said...

My husband and I go to a branch near us, only because it is the closest to our house. If we out and about we use the branch inside the grocery store. I think that's ridiculous that the bank would charge $7 to cash a check that is drawn from one of their accounts!

Lynn Proctor said...

i think the last time was when i needed something notarized :)

Robyn :) said...

We were in the bank the other day. My checks are not direct deposited. We use Bank of America. I love our local branch. I liked going to Southern California Bank when I was a kid because they had lolipops. Our B of A has them now.

I love your header picture.

Juli said...

I deliver the mail into the bank every day. Becasue of this, all the girls know me and I pay my loans with them in person. I had some weird issues when my boy's father died and I needed special accounts for SS, and because I had a relationship with the bank tellers, they happily did it for me. I realize that it's easier and more convenient to online, and drive up... but sometimes it's nice to be a face rather than an interface.

Rita said...

I have direct deposit, too. I haven't been to an actual bank in years! Things have changed a lot! But I greatly appreciate the convenience, I tell you. I wouldn't want to go back. ;)

Mevely317 said...

Ya know, the SAME thing happened to me -- when I went to "another" bank to cash an expense check. I think they wanted $5 at the time because I wasn't one of their customers. (The term, "too big for their britches" comes to mind.)
I applaud your son's maturity to turn around and walk out with his head held high!

Thanks for sparking a memory of lollipops and dog bones at the drive-through! :)

Renegades said...

My husband has direct deposit and I use the ATM, so I can't even tell you the last time I was in the bank.

TARYTERRE said...

We still go to the bank. But going inside is rare, indeed. thanks for taking me back to a different time and place. I remember those days well.

jack69 said...

$7 to cash their own check? WOW!

You guys have some weird charges out there in that state.

We were just this minute talking about banking. OUR bank knows there are two 'bad' charges to our account, 'they are working on it!' But the way they go about it seems strange to us.'

YEP banking sure has took a turn for the weird!

This one hits home!!!
I feel sorry for a young person trying to get by and face a solid bulkhead sometimes.

Danielle L Zecher said...

I think it has been about a year since I've been inside a bank. I was eligible through work to open an account at the credit union and went to do that, then to my old bank to close the account. That was a happy day. I was never happy with that bank, and it was a great feeling to be able to close the account.

It is weird how we never go inside anymore. I remember it being a weekly event when I was a kid that my mom would haul us to the bank when my dad got paid, and we's always get candy.

Melanie said...

We can still go inside our bank. I was there just a couple of days ago, but I'm not in there often. I usually use the drive-thru. They still give Katie a sucker when we do! :)

SweetMarie said...

times have changed! I go to the drive-thru once in a great while and that's about it. We have accounts with my credit union and USAA because hubby was in the Army. So glad we don't need to visit the bank often. :)

Intense Guy said...

I was at the drive up window at the bank today as a matter of fact. I'm there maybe once a week or so (the business banking, not mine).