So, B of A and the $5.00 debit card
 

Check it, B. Eff that Ess. IF you don't wanna pay the $5.00 monthly fee that all banks are gonna start charging then you are gonna have to do money the old school way.

Go to bank with your checkbook on Thursday or Friday or whatever fucking day you want. Write a check for how much money you are going to need to spend that week and get the cash. Make the teller do the fucking work.

If you need to purchase shit online or from a catalog, then walk your ass down to the post office and get a friggin money order and send that shit to whoever has the shit you want. In a couple of days they'll get the m.o. and then send you your shit.

It worked great for decades that way, it can work again.

douches

I know nothing about this situation, but I do feel your pain.

No UK supermarket/ High Street Store will accept a cheque as a valid form of payment.
They may still do so online or for some bills. But I don't have a cheque book, so I'm hazy on details (not issued on my account any more).

I pay a debt every month over the counter at the Post Office IN CASH and a 50p charge is added. AND it takes 3 days to clear. Wait, what?
50p is not much, but it's a bloody cheek given the clearance time.
It would be higher if I paid using my debit card.

Oh and I can't get money over the counter from my own bank.
Well - I can. But it has to be over £100 (which I never have to spare). And over a certain amount (which I have not memorisied as it is so unlikely) I have to contact them in advance anyway.

So if I have £9.99 balance I have to go to the Post Office to withdraw it because the minimum amount from an ATM is £10.
Why is going to the Post Office worse than going to the bank?
If you have to ask, you've obviously never queued in an English Post Office. My experience? Minimum 20 minute wait.

Who the fuck still banks with Bank of America anymore anyway? Dump their asses for a proper credit union.

You are goddamn skippy!

I am banking with a credit union, I was just replying in general to the world about a news item I just read and neglected to link to. I am a big self involved lazy lump. I'm halfway back to paleolithic times anyway. I've been preparing sinew for my bow and shit. Besides, everyone up here takes checks anyway, even from me.

TANGENT

Don't use a debit card for online shopping, mmkay.

/TANGENT

I use my debit card for all my online transactions (the ones that don't take PayPal) because it is free.

My prepay credit card is £5 per month or £1 per transaction.

If the worst happened and someone "cleared out my bank account" they wouldn't get much.
Yes it would devestate me at the time, but I save £60 a year this way.
Thieves'd be bloody lucky to get that much!

I tried the two local credits unions. I'll use them when they have online banking that isn't a god-damned muppet-fucking piece of shit.

my favorite thing about our credit union's web page is the extra apostrophe's.

I'm sure they're good at handling money though.

For a bank run by amateurs.


I kid.

Volunteer amateurs at that! It's some kind of co-op.

BofA has to make back the money they lost giving accounts to illegals without social security numbers and demanding rectal exams of American citizens with social security numbers somehow.

Fewer and fewer businesses accept checks anymore. I am no longer allowed to pay my rent by check, for example. if I try to use my alternative solution, paying through my bank's online check pay ... it's considered a check and won't be accepted (incidentally, my bank and the complex's bank are the SAME bank, and it would be an electronic transfer). if I pay by credit card there is a $50 surcharge added onto my already exorbitant rent.They stopped accepting money orders two years ago. And so, I have to use their online money transferer. Bastards.

http://www.theatlantic.com/business/...t-card/245935/

tl;dr: Dick Durbin & Congress is responsible for this change. Credit Unions will eventually be charging too, as they are affected by it no less than BoA.

Bold prediction that I don't agree with because the credit *union* has an entirely different profit motive than BofA. What it costs to run the credit union and what it costs to run BofA is completely different.

Not surprised in the least. The banks were going to find a way to recoup their profits. The Bill was smoke and mirrors after they totally F**ked up the Fannie-Freddie thing. I feel it was more of a way to deflect attention away from his indiscretions and try to show his base that he was working in their best interest. Backfire.