So, B of A and the $5.00 debit card

footfootfoot · 09-30-2011, 01:42 PM

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

Sundae · 09-30-2011, 02:01 PM

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.

Clodfobble · 09-30-2011, 02:02 PM

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

BigV · 09-30-2011, 02:20 PM

Quote:

Originally Posted by Clodfobble

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

You are goddamn skippy!

footfootfoot · 09-30-2011, 02:37 PM

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.

Pete Zicato · 09-30-2011, 02:58 PM

Quote:

Originally Posted by footfootfoot

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.

TANGENT

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

/TANGENT

Sundae · 09-30-2011, 03:09 PM

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!

Perry Winkle · 09-30-2011, 03:11 PM

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.

footfootfoot · 09-30-2011, 03:46 PM

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.

Pete Zicato · 09-30-2011, 03:49 PM

Quote:

Originally Posted by footfootfoot

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

For a bank run by amateurs.

I kid.

footfootfoot · 09-30-2011, 03:54 PM

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

wolf · 09-30-2011, 03:59 PM

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.

Undertoad · 09-30-2011, 04:31 PM

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.

BigV · 09-30-2011, 04:42 PM

Quote:

Originally Posted by Undertoad

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.

TheMercenary · 09-30-2011, 08:08 PM

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.

09-30-2011, 01:42 PM	#1
footfootfoot To shreds, you say? Join Date: Aug 2004 Location: in the house and on the street-how many, many feet we meet! Posts: 18,449	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 __________________ The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs

09-30-2011, 02:01 PM	#2
Sundae polaroid of perfection Join Date: Sep 2005 Location: West Yorkshire Posts: 24,185	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. __________________ Life's hard you know, so strike a pose on a Cadillac

09-30-2011, 02:02 PM	#3
Clodfobble UNDER CONDITIONAL MITIGATION Join Date: Mar 2004 Location: Austin, TX Posts: 20,012	Who the fuck still banks with Bank of America anymore anyway? Dump their asses for a proper credit union. __________________ My book My other book My spirit animal

09-30-2011, 02:37 PM	#5
footfootfoot To shreds, you say? Join Date: Aug 2004 Location: in the house and on the street-how many, many feet we meet! Posts: 18,449	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. __________________ The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs

09-30-2011, 03:09 PM	#7
Sundae polaroid of perfection Join Date: Sep 2005 Location: West Yorkshire Posts: 24,185	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! __________________ Life's hard you know, so strike a pose on a Cadillac Last edited by Sundae; 09-30-2011 at 03:52 PM. Reason: typo

09-30-2011, 03:11 PM	#8
Perry Winkle Esnohplad Semaj Ton Join Date: Feb 2005 Location: A little south of sanity Posts: 2,259	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.

09-30-2011, 03:46 PM	#9
footfootfoot To shreds, you say? Join Date: Aug 2004 Location: in the house and on the street-how many, many feet we meet! Posts: 18,449	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. __________________ The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs

09-30-2011, 03:54 PM	#11
footfootfoot To shreds, you say? Join Date: Aug 2004 Location: in the house and on the street-how many, many feet we meet! Posts: 18,449	Volunteer amateurs at that! It's some kind of co-op. __________________ The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs

09-30-2011, 03:59 PM	#12
wolf lobber of scimitars Join Date: Jul 2001 Location: Phila Burbs Posts: 20,774	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. __________________ wolf eht htiw og "Conspiracies are the norm, not the exception." --G. Edward Griffin The Creature from Jekyll Island High Priestess of the Church of the Whale Penis

09-30-2011, 04:31 PM	#13
Undertoad Radical Centrist Join Date: Jan 2001 Location: Cottage of Prussia Posts: 31,423	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.

09-30-2011, 08:08 PM	#15
TheMercenary “Hypocrisy: prejudice with a halo” Join Date: Mar 2007 Location: Savannah, Georgia Posts: 21,393	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. __________________ Anyone but the this most fuked up President in History in 2012!

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