• all banking by appointment only

    From August Abolins@2:460/58 to All on Monday, January 18, 2021 20:34:47

    After several months of trying to be efficient wrt banking - minimizing the number of visits per month to just one, since each deposit costs me a minimum $2 (down from weekly, down to 3 times per month, and finally down to just once a month) - today, I learned that the bank "has mandated" all banking to be by appointment only. I walk in. 4 tellers are busy clicking their mice playing games on their screens. Nobody else is in there. One teller seems to give me the indication to come forward. The first thing she asks me is do I have an appointment. Frig. I look around and say, "Am I using up someone else's slot?" So pathetic. I could feel my frustration starting to simmer. Then she tells me that they have been mandated to go by appointment only. She says "It's not us. It's the government." Bull. She cannot cite the regulation. And I cannot find such a thing searching for it later online.

    Bottom line, I will probably completely reduce visits to the bank to make deposits. There isn't a whole lot of cash to account for anyway. Meanwhile, the bank charges a month'y maintenance fee for nothing to maintain! It's a lot of crap.



    --- tg BBS v0.6.3
    * Origin: Fido by Telegram BBS by Stas Mishchenkov (2:460/58)
  • From Charles Pierson@1:106/127 to August Abolins on Monday, January 18, 2021 12:51:33
    On 18 Jan 2021, August Abolins said the following...
    After several months of trying to be efficient wrt banking - minimizing

    <snip>

    says "It's
    not us. It's the government." Bull. She cannot cite the regulation.
    And I cannot find such a thing searching for it later online.

    I only go to my bank when absolutely necessary. There are 3 branches in the Houston area that I am aware of. One is just very inconvieniently located to access, one is located in the VA hospital, but is small and only has about 3 employees, so there is always a long line since many VA employees and
    patients use it.

    The 3rd is slightly closer to me than the other 2. I've never had much over
    a wait when going there. The problem comes from a change it made a few
    months prior to Covid. This location went tellerless, Meaning that instead of
    a teller, you walk up to a machine which is basically like an ATM. Only
    instead of using your debit card, you type your account number onto a keypad, then you are video linked to a person, who might be in an office there, or anywhere really, to conduct your transactions. Loans or other things do still have actual person to person situations though.

    When or even before Houston/Harris County began their lockdown they actually closed the location except for drive through banking, which consists of one drive up ATM, and two rows that are exactly the same video chat thing they do inside. Luckily, it was minimal problem for me, since the only thing I ordinarily needed to go to the bank for was twice a month to deposit one
    check from my wife's home health job for hours her patient's wife paid her beyond the hours her patient's insurance covered.

    --- Mystic BBS v1.12 A46 2020/08/26 (Raspberry Pi/32)
    * Origin: theoasisbbs.ddns.net:1357 (1:106/127)
  • From August Abolins@1:153/757.21 to Charles Pierson on Monday, January 18, 2021 16:27:00
    Hello Charles!

    ** On Monday 18.01.21 - 12:51, Charles Pierson wrote to August Abolins:

    The 3rd is slightly closer to me than the other 2. I've
    never had much over a wait when going there. The problem
    comes from a change it made a few months prior to Covid.
    This location went tellerless, Meaning that instead of a
    teller, you walk up to a machine which is basically like an
    ATM. Only instead of using your debit card, you type your
    account number onto a keypad, then you are video linked to
    a person, who might be in an office there, or anywhere
    really, to conduct your transactions. Loans or other things
    do still have actual person to person situations though.

    I've never heard of the video feature. How do you like it? I
    would assume that if there is a video-teller, then it is not
    available 24 hrs.


    When or even before Houston/Harris County began their
    lockdown they actually closed the location except for drive
    through banking.. Luckily, it was minimal problem for me,
    since the only thing I ordinarily needed to go to the bank
    for was twice a month to deposit one check..

    Which reminds me, I'll probably want to discourage cheques now
    too. The only way to process them is to go to a bank. No thanks.

    I utilized drive-thru banking a few times, but that was decades
    ago, and in a major city. It wasn't totally bad, but sometimes
    the height didn't seem right for my passenger vehicle.

    --
    ../|ug

    --- OpenXP 5.0.48
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  • From Charles Pierson@1:106/127 to August Abolins on Monday, January 18, 2021 18:20:09
    On 18 Jan 2021, August Abolins said the following...
    account number onto a keypad, then you are video linked to
    a person, who might be in an office there, or anywhere
    really, to conduct your transactions. Loans or other things
    do still have actual person to person situations though.

    I've never heard of the video feature. How do you like it? I
    would assume that if there is a video-teller, then it is not
    available 24 hrs.


    Honestly, if I'm at a machine, It might as well be an ATM that allows
    deposits, which I've seen for years. Worst case, the depsited checks take a day or two to post to your account, which can happen in any case. I was tempted to ask for rolls of change to see how that was handled, as the only slots I saw were where the cash/checks were fed in and the slot bills came
    out, and the receipt printer. I didn't notice any thing to deal with coibs.

    Which reminds me, I'll probably want to discourage cheques now
    too. The only way to process them is to go to a bank. No thanks.


    Some banks do have mobile apps that handle depositing checks electrinuxally, but I'm not sure how it works exactly. But there are many places around here that don't accept checks.

    When I first opened the account with my current bank, my checking account was actually called "No check checking."

    WHhile on this subject, does your shop accept electronic payments?

    I ask, because last summer while I was trying to get my nursery/yard art business going, I primarily used Online market places like LetGo or OfferUp.

    Mostly LetGo, because I liked the interface better. It was aquired by Offerup though so that's that.

    In any case, a few people when asking about plants and such, asked me uf I accepted Venmo or CashApp or Paypal. Through those you can process payments and Transfer funds to the bank electronically. Just an idea.

    --- Mystic BBS v1.12 A46 2020/08/26 (Raspberry Pi/32)
    * Origin: theoasisbbs.ddns.net:1357 (1:106/127)
  • From August Abolins@1:153/757.21 to Charles Pierson on Tuesday, January 19, 2021 08:37:00
    Hello Charles!

    ** On Monday 18.01.21 - 18:20, Charles Pierson wrote to August Abolins:

    I was tempted to ask for rolls of change to see how that
    was handled, as the only slots I saw were where the cash/
    checks were fed in and the slot bills came out, and the
    receipt printer. I didn't notice any thing to deal with
    coibs.

    I don't there is any ATM in Canada that offers coins.

    But that is another thing.. eventually I run out of coins. Why
    are people hoarding that stuff? My only option is/was to go to
    the bank. Now, in light of the recent "by appointment only"
    imposition, I have another solution. But maybe I shouldn't
    mention it - at least, not yet.


    Which reminds me, I'll probably want to discourage cheques
    now too. The only way to process them is to go to a bank.
    No thanks.

    Some banks do have mobile apps that handle depositing
    checks electrinuxally, but I'm not sure how it works
    exactly. But there are many places around here that don't
    accept checks.

    Yes.. my main bank has the "take a pic with your smartphone" and
    deposit it that way method. But I don't have a current
    smartphone that will support getting apps from the google-store.
    I *could* however install the .APK direct, if I could get it.


    When I first opened the account with my current bank, my
    checking account was actually called "No check checking."

    OMG. What nonsense in their naming of things just to sound
    different and get your attention.


    WHhile on this subject, does your shop accept electronic
    payments?

    I ask, because last summer while I was trying to get my
    nursery/yard art business going, I primarily used Online
    market places like LetGo or OfferUp.

    Yes.. I have a commercial terminal for that. It accepts
    Mastercard, Visa, Debit, and ApplePay. People can also make a
    payment online via PayPal or eTransfer too.

    Never heard of the LetGo/Offerup alternatives. Maybe it's just a
    USA offering.

    They seem to be tied in with specific items for sale. I would
    need a simple alternative to just send cash.


    In any case, a few people when asking about plants and
    such, asked me uf Iaccepted Venmo or CashApp or Paypal.
    Through those you can process payments and Transfer funds
    to the bank electronically. Just an idea.

    Another popular service is the Square. It's a pretty good
    solution for someone who needs portability.
    --
    ../|ug

    --- OpenXP 5.0.48
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  • From Charles Pierson@1:106/127 to August Abolins on Tuesday, January 19, 2021 08:01:23
    On 19 Jan 2021, August Abolins said the following...
    I don't there is any ATM in Canada that offers coins.

    I don't know of any ATM that does coins either, That's my overall question on that subject.

    But that is another thing.. eventually I run out of coins. Why
    are people hoarding that stuff? My only option is/was to go to
    the bank. Now, in light of the recent "by appointment only"
    imposition, I have another solution. But maybe I shouldn't
    mention it - at least, not yet.


    I know with the supposed coin shortage we had/have here, some stores had some option on their transactions, I'm not sure what though. I mostly only use
    cash at the gas station, since gasoline prices are cheaper when paying cash.

    Yes.. my main bank has the "take a pic with your smartphone" and
    deposit it that way method. But I don't have a current
    smartphone that will support getting apps from the google-store.
    I *could* however install the .APK direct, if I could get it.


    It's an option.

    checking account was actually called "No check checking."

    OMG. What nonsense in their naming of things just to sound
    different and get your attention.

    It wasn't a thing I looked for. I was in a work therapy program throygh the
    VA hospital, Part of it was a requirement to open the account there. It was extremely limited, the Debit card only allowed $50/day for example. I
    believe it was due to many of the participants were going through drug/acohol addiction treatment so the limit was to keep them from blowing their mobey on such things. My own problems are due to anxiety, depression, and something similar to PTSD, so money management wasn't actually an issue in that way.
    Yes.. I have a commercial terminal for that. It accepts
    Mastercard, Visa, Debit, and ApplePay. People can also make a
    payment online via PayPal or eTransfer too.


    Paypal and the like were what I meant.

    Never heard of the LetGo/Offerup alternatives. Maybe it's just a
    USA offering.

    They seem to be tied in with specific items for sale. I would
    need a simple alternative to just send cash.

    LetGo/OfferUp and others are like Online Yard Sale/Flea Market type things,

    OfferUp, I believe has options available to pricess payments through them,
    but I haven't done much throygh their service.
    Another popular service is the Square. It's a pretty good
    solution for someone who needs portability.
    --

    I actually have one of the square devices, somewhere.

    --- Mystic BBS v1.12 A46 2020/08/26 (Raspberry Pi/32)
    * Origin: theoasisbbs.ddns.net:1357 (1:106/127)
  • From August Abolins@1:153/757.21 to Charles Pierson on Tuesday, January 19, 2021 09:36:00
    Hello Charles!

    ** On Tuesday 19.01.21 - 08:01, Charles Pierson wrote to August Abolins:

    Another popular service is the Square. It's a pretty good
    solution for someone who needs portability. --

    I actually have one of the square devices, somewhere.

    I was poised to consider that as my main payment device. But, at
    the time, it did not offer Debit payments. Also, the overall
    per-transaction fees were at least double for what I was paying
    using the traditional hardwired terminal. Also, there was no
    backup method to conduct a transaction should the internet go
    down. The traditional terminals offer dialup as a fallback -
    and THAT has come in handy numerous times.

    It does seem costly to pay for a tradition POTS phone line
    (business rate = $80/mo) ...just to accomodate a dialup fallback
    for the terminal.

    If I truly wanted to reduce those expenses, then I should switch
    to pure VOIP for my phone system, and use the Square - and hope
    that all transactions will succeed.

    But.. I'll stick with the traditional method for now, despite
    paying a monthly fee for the terminal itself. :(

    Oh.. another way people can pay me is by buying a gift
    certificate online via https://Anycard.ca/store/ashlies, and
    the funds end up in my bank in 2 or 3 days.

    The service takes a 10% cut though. :(

    --
    ../|ug

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