Some things just piss me off. There are some charges/policies that should be outlawed. They are just not fair. And when I come across something like this at certain times of the month the level of pissed-offedness increases exponentially.
Today I needed to go to the bank to deposit the checks from our renters (I’m thrilled that not only was it on time, it was a week early!). Since we are going out of town and their bank is right down the street from mine, I thought I’d stop by and get the checks cashed and just deposit cash into my own account, avoiding the hold-time for deposits of local checks.
Son and I stopped into Regions Bank and were immediately greeted by a teller. I handed her the checks (two because they pay it out of two separate accounts) and she asked me if I was cashing them. After answering yes, she asked if I have an account with them. When I replied in the negative she said, “No? Then there will be a charge per check of…” and frankly, that’s all I heard. Apparently this bank is one of THOSE banks that charges a fee if you cash a check and don’t have an account with them. Even though it is DRAWN ON THEIR BANK
I find this practice reprehensible, and have ever since I heard that Bank of America started the trend several years ago. If someone is nice enough to accept a check from me (for whatever services rendered) I expect that part of the service I get in exchange for letting the bank use my money (to make themselves heaploads more money!) is to CASH the damn CHECK. Whether the payee chooses to deposit it in an account of their own or go to my bank to get some cold, hard cash should make not one iota of difference. Not. One. Iota.
Regions Bank was instantly added to the list titled “Banks With Which I Will Never Do Business”.
As steam started coming out of my ears I took back my checks, replied that there is no way I would ever do business with a bank who would charge such a usurious charge, took Son’s hand and started to walk out of the bank.
Son pulled me towards the restroom, as he is on a quest to visit every restroom within an ever-constant 100 yard radius. I told him, loudly, “Sorry, not today. They’d probably charge you to see it, anyway.”