Seems to me that various banks are getting a little uppity. Heard two people complaining about two different banks in the last week. One on the radio, and one via email. Both in San Diego.
First radio one went into the Bank of America to open an account because he wanted to do direct deposits with his paychecks. Bank person got his name, address, social security number and then asked if he had a credit card. The man said, "No." He'd never had one, never used one, didn't want one. BofA guy told him he couldn't open an account then. So the guy went across the street to another bank and opened an account there.
Second person had a check needing cashing. Check was 2 weeks past six months old. Writer of the check had an account at Union Bank. So second person went to a Union Bank. First was told there'd be a $5 service charge. Second person said, "Fine." Then bank person said she'd check first with a manager. Manager said, "No." Policy rigid. Can't be changed. That Union check could not be cashed at the Union Bank.
OK. Second person will see the Union Bank check writer this weekend and get a new check written. No problem since the writer's money is still in the Union Bank.
I figure these kinds of business practices are why people REALLY prefer, and use, credit unions. They certainly are given cause to not deal with certain unfriendly, uppity banks.
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