Community Chat

[Etoile308]

I bank at two different banks plus a credit union. They all have help wanted signs.

[gidgetgh]

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@Meowingkitty wrote:

Ok, my husband works for a bank and is in charge of finding seats and reorganizing people at different locations for maximum efficiency. First of all most people are not back 5 days a week and then there are not enough people to begin with. Thus the need for an appointment. They don't want to or need to staff fully as in the olden days for the few people that do walk in and ask for things they can easily do online themselves. They are maximizing people, space and effort and most importantly costs.  Most banking can be done online. Why on earth would you sit in line to deposit a check? I know there are some people who just can't or won't but come on. This is the 21st century and like it or not it's only going to get more prevelant so you might as well get used to it.  And yes it is safe, secure and accurate. So they want you to use it.

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@Meowingkitty - this might upset you, based on your post, but if I have a check to deposit, I go to the bank and deposit it.  If I have one to cash, yes, cash, I go to the bank and cash it.  I usually just go inside because at my bank, you have to be a contortionist to reach the tube thing in the drive thru.  Besides, getting out of the car and walking in is good for me.  

My bank rarely has any lines. I just go in l do what I need to and leave.  

While I have online access to my account and check it regularly and transfer funds between checking and savings, I refuse to deposit a check by mobile banking through an app. Just not my thing.  

[BlueFinch]

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@Kachina624 wrote:

@BlueFinch    Something has happened to USAA in the past 2 or 3 years.  They've turn their financial services over to a new administrator and things are a mess.  Fortunately I've not had a problem that required a phone call but I've avoided using my credit card because I'm afraid I might have one.  Trying to access your account online is worse than trying to break into Ft. Knox.  I've never gotten in.

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@Kachina624 Yes, my DH, and I, opened an emergency account at USAA about 20 years ago. No checks, debit cards, etc., we would have to (rarely) go in person to do business. Then the bank closed, with the first pandemic sneeze. How convenient -- for them. 

So I called annually during the pandemic to make sure they didn't make the account 'inactive.' They still did. Made it inactive in 9 months, instead of 12 last year. Thank goodness I called. It was fixing to go into the -- you're dead to us, pool.

Once I deposited a sizable check and they acted so weird. I guess they thought I was a drug dealer, or something, because I got a letter stating the account had been temporarily closed pending review. What? It was a check to me from another bank. I had no idea I was being scrutinized since I rarely use the account. 

I was thinking leave me alone -- pot, kettle, black, as USAA was under scrutiny for awhile for some bad dealings. Not sure what. I know Charles Schwab has taken over. Definitely no improvement with new organization. At some point, I want out of there. If I can ever access it. I have NO trust for them. 

[sunshine45]

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@Kachina624 wrote:

What has me aggravated us that Bank of America has closed all their drive in windows at branches in my area so now you must go inside and stand in line. I've been their customer since 1982 but I'm ready to go elsewhere.  Their ATMs are in unsafe locations.

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@Kachina624 

same in our area.....i used the drive through tellers a lot. now we have bank of americas with 3 or 4 drive through lanes and that is now just what they are.....only to drive through and not do any business. the LEAST they could have done was to add some automated machines to use from your car. there are usually one or two tellers at the most and that "greeter" with a tablet that really is no help at all. 

i have opened up accounts with two other banks in our area just to get better service options.

[icezeus]

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@Kachina624 wrote:

@BlueFinch    Something has happened to USAA in the past 2 or 3 years.  They've turn their financial services over to a new administrator and things are a mess.  Fortunately I've not had a problem that required a phone call but I've avoided using my credit card because I'm afraid I might have one.  Trying to access your account online is worse than trying to break into Ft. Knox.  I've never gotten in.

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@Kachina624 @BlueFinch 

This has not been my experience with USAA. They have my house insurance, a savings account, and A/E Card and I have had no problems. I go online every month to make a payment. Easy Peasy. 

[Drythe]

Ok, so they are cutting down on space, staff, walk-in services, times one can visit a person, or safe box, pushing on-line banking...

SHOULDN’T  AN INCREASE IN INTEREST RATES FOLLOW?

           🤔💭🤔💭🤔💭🤔💭🤔💭🤔💭🤔💭🤔💭

[FiddleDeeDee]

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@gidgetgh wrote:

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@Meowingkitty wrote:

Ok, my husband works for a bank and is in charge of finding seats and reorganizing people at different locations for maximum efficiency. First of all most people are not back 5 days a week and then there are not enough people to begin with. Thus the need for an appointment. They don't want to or need to staff fully as in the olden days for the few people that do walk in and ask for things they can easily do online themselves. They are maximizing people, space and effort and most importantly costs.  Most banking can be done online. Why on earth would you sit in line to deposit a check? I know there are some people who just can't or won't but come on. This is the 21st century and like it or not it's only going to get more prevelant so you might as well get used to it.  And yes it is safe, secure and accurate. So they want you to use it.

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@Meowingkitty - this might upset you, based on your post, but if I have a check to deposit, I go to the bank and deposit it.  If I have one to cash, yes, cash, I go to the bank and cash it.  I usually just go inside because at my bank, you have to be a contortionist to reach the tube thing in the drive thru.  Besides, getting out of the car and walking in is good for me.  

My bank rarely has any lines. I just go in l do what I need to and leave.  

While I have online access to my account and check it regularly and transfer funds between checking and savings, I refuse to deposit a check by mobile banking through an app. Just not my thing.  

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I'll add another reason why some (me) go to a bank to deposit a check: because it forces our tenants to actually pay when there is a knock on the door. IMHO, when a real person is at your door to collect the rent check via the time set in the contract, the tenant tends to be there with check in hand. No "it's in the mail"' no "oh I paid it via PayPal so there MUST be an issue with YOUR bank", no NOTHING. The cancelled check is their proof of payment and the deposit slip goes to my accountant AND the money is in MY account. (granted this is done by my property manager)

So yeah, there ARE reasons to drive to a bank to make a deposit.

[drizzellla]

During the "pandemic" you could not walk into our branch of Wells Fargo. If it couldn't be handled by the drive through teller, you had to make an appointment.

Now they still do not want you to go into the bank. There is one teller to handle people making deposits or withdrawals. And one teller at the drive through. A number of branches in the area have closed. The branch near our house is the only one for about 10 miles.

Yet, Chase built and opened two branches within 5 miles of our house?!?!? And you are allowed to go into the bank, no problem.

[River Song]

I was leery of depositing a check using mobile banking but I tried it and it was really easy!   Saved me a trip to the bank and depositing it at the ATM machine.  I can't remember the last time I actually walked into the bank.  

It's so easy to check my bank account with my phone, no need for a computer.  I resisted using all the new-fangled apps, but if you don't keep up with the new ways of doing things, you will be left behind, frustrated and unhappy that things aren't the way they used to be.  I'm living proof that you can teach an oldster new tricks.   Just think how different things will be ten years from now.  We probably won't even have physical currency or paper checks any more, it will all be electronic via our phones.  Might as well get used to it.

[deeva]

My bank has several branches near me, and they are staffed and open. Haven't had to make an appointment in over a year. 
Even so, I find it more convenient to bank online.