Tuesday, December 05, 2006
Bank Fee Rant
My bank doesn't charge me any fees unless I happen to overdraw my account. That hasn't happened in a very long time. This is not a rant about my bank. This is just a general, that doesn't seem fair, kind of rant.
I was given a check the other day to reimburse me for some expenses I'd had in caring for someone. Since that person doesn't bank at my bank, I went to their bank to cash the check. I needed to have the cash immediately (long, boring story).
First of all, I had to go into the bank. Minor irritation because it was really cold but I can understand the reasons they have non-members come in to a teller.
When I got to the counter, I saw the sign that said I would have to pay a $3 fee to have the check cashed. The sign stated that checks over $100 would be assessed this fee. So, I could have had the check writer make out two checks (more work for her and the teller) and not pay the fee.
This is what irritates me: By cashing the check, they are performing a service for their customer. They are also making an impression on a potential new customer. This was not a good impression.
I could understand charging a fee for cashing a check from another bank. I could understand charging a fee if I was asking them to make out a cashier's check or a money order for me, a non-member. I wasn't. I brought a check from one of their members into their bank and wished to exchange it for cash.
So, I've wasted a lot of mental energy being irritated at a bank over three, measley dollars. The thing is, it's not just that three dollars. It's a combination of random taxes and surcharges and handling fees and delivery fees and activation fees and more all tacked on to the price of an item or service.
I don't like it. I don't like it one, little bit.
EDIT/ADD: I've decided to find a friend who banks at that bank. I will give them $100 and ask them to let me fill out 50 checks, each for $2.00. Then, I will go stand in line, wait, and hand the checks to the teller. I think I just found my vindictive bone.