Face To Face Banking … UGH!

Here is a completely pointless post. Well, it’s likely to make me feel better, but I’m sure it will accomplish little else.

I needed to deposit some money into a checking account to cover a debit that will be coming out this week. We normally do everything electronically, such as direct deposits and automatic transfers, so going to the bank is not the norm for us. Perhaps this is the reason for my false expectations.

It was the 25th and the charge will be on the 29th. Electronic transfers can take 3 days or more with the banks in question and I have completely given up on the chance of ever depositing a check and getting access to my money within a reasonable time frame. Everything is held, no matter what, and things that are “up to the teller’s discretion” never work in our favor.

Nutella Cupcakes with Nutella Cream Cheese

Nutella Cupcakes with Nutella Cream Cheese

I needed to deposit cash to make sure it would be available right away, but I didn’t have enough. So, I loaded up all 4 kids and headed over to the grocery store to purchase something so that I could get some cash back out of my checking account with Bank A and not incur a charge. I wanted to make DoubleDutyMommy.com’s Nutella Cupcakes with Nutella Cream Cheese Frosting anyway, so this was a good opportunity to kill two birds, so to speak. At the register, the little machine had cash back options in $20 increments and then the choice of ‘other’. So I picked ‘other’ and entered ’50’. So I finish up and the cashier finalizes it, asking if I have a preference on how my cash back is broken up. (Like, what size bills or whatever.) I said, “No.” and then she says, “Did you mean to ask for 50 cents cash back?”. Well of course I didn’t! Since when do you enter a fraction of a dollar when asking for money from a machine?! Please, no comments on how out of touch I am, but as of the last time I used cash back or an ATM for that matter, you could only select your money in $10 or $20 increments, depending on the bank, store, etc.

So then she said, “You’ll have to buy something else and try again.” However, she’s already given me my receipt and started scanning the groceries of the guy behind me, so I have to go around. Ugh! So I think, well, I’ll get the kids some gum. That will be fine. I walked around and all 4 lines are 5 people deep! I don’t know where the heck they came from, but there they were, guaranteeing me a good 15 more minutes before I could get out of the store with my $50. Mind you, I’m trying to get to the bank before 3pm so that the deposit is credited the same day.

The thought of waiting in line with 4 kids AGAIN for 15 minutes is not appealing, so I wrangled them all and headed over to the customer service area to just use the dang ATM. I’ll pay the $1.50 just to get on my way. And there it is. A big sign that says, “Out of Order”. Of course it is. Why would it be anything else?

Well, I wasn’t going back in that line and couldn’t get any money there, so I decided that I’d just head over to Bank B where I have an account and where I intend to deposit this $50 if I can ever get it. I figured I’d just do the drive up ATM and then go around again to the drive-up teller window. The kids would be happy in the car for a little bit and it shouldn’t take too long. Yeah, well, in a perfect world.

Bank B only has a walk up ATM, so I parked the car, unloaded the kiddos and walked up to the ATM. Here, I paid $3 to Bank B to take out my money from Bank A just so that I could give it right back to Bank B, where I am a customer with several accounts, including the checking account into which I will deposit this stupid $50.

Back to the car, buckle up and drive around to the teller window. I could have walked in, but at least in the car there are toys and windows I can close when the children who are so done with this “quick trip” start to revolt.

So around to the drive-up teller to deposit my funds. The rest was remarkably uneventful, thank goodness.

This experience just proves that doing everything electronically and over the internet is just the best way to go, as long as you don’t cut your dates too short like I did this time! I’m sorry face-to-face world, but you’ll have to do a lot better than this to win me back from the convenience of the cyber world. Doing things in person is just such a hassle!

Do you prefer to do your banking and bill paying in person or online? What about your shopping?

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