The Good Old Days...

[Anonymous]

I remember when-

I dealt for decades with a small town bank. It gradually grew to have county-wide branch offices.

Frequently I'd overdraw my checking account, not by much, amounts from a few cents to maybe $100 max. The bank never charged me an overdraft fee and never returned a check for NSF. They would simply mail a postcard to me, a 'reminder' that my account was overdrawn, and ask that I please make a deposit to cover the overdraft. Very congenial.

One time I wanted to trade my motorcycle for a new one. The dealership told me I was declined for their in-house financing. I had never been declined before. I called my bank from the dealership's office, told them I needed a loan for $xxxx and it was instantly approved based on my name only. My bank's LO spoke with the manager of the dealership on the phone and I rode away on a new bike within an hour.

I miss those days.

[Anonymous]

Me too Anderson, me too.

I can remember going into a bank and all the employees would greet me by name. Overdraft fee was $5.00, and you could still trade a dollar bill for a genuine U.S. Mint silver dollar. In fact the teller's had those manual change dispensing machines that had a slot for silver dollars.

But that was a "few" years ago. shhhhhhhhhh. (a LONG time ago.lol)

[Anonymous]

Ha. Yes, a -long- time ago Sylvia.

I would empty my pockets of change every day & save it in large containers. Once or twice a year I'd take it to my bank in canvas bags. They were very heavy and the tellers could not lift or carry them so they'd allow me to carry them to a desk behind the teller's counter. I'd just let them there and leave. The bank would sort the coins and send me a deposit slip letting me know the amount. It was usually around a thousand $$.

No fees for sorting either.

Those days are long gone.

Sylviatob wrote:
Me too Anderson, me too.

(snip)


But that was a "few" years ago. shhhhhhhhhh. (a LONG time ago.lol)

[Anonymous]

Heh. My CU will NOT accept loose-change deposits of more than 99 cents. All change must be rolled, and I have to pay THEM 25 cents a roll for them to deposit it.

I have to find a separate bank with a different policy just for my change deposits...

I don't like the big banking thing, either. There's really no little guy anymore.

[Junejer]

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@Anonymous wrote:
Heh. My CU will NOT accept loose-change deposits of more than 99 cents. All change must be rolled, and I have to pay THEM 25 cents a roll for them to deposit it.

I have to find a separate bank with a different policy just for my change deposits...

I don't like the big banking thing, either. There's really no little guy anymore.

---

Every bank that I have ever worked at has a coin counter. Some are DIY and some are behind the teller line. Either way, it is free or very nominal. I believe in fee income, but a little integrity please.

Anderson, I have only heard stories of that type of treatment in banks. When I started in banking (1993), the signature loan was a dead animal. One of the PBs used to tell 'bout the good ol' days though. He retired sad, wondering about the fate of his beloved industry (when banks used to care about relationships and people).

[Anonymous]

I am sure the economy misses those days too!!

[Anonymous]

We still have a bank sorta like that, I called our loan officer in Sept of 06 and told him we were in dire need of buying a truck for my husbands new job, needed it that day.  He said go find a truck and he would fax them that our bank would be paying for it.  We went (got screwed hehe, needed it within a few hours) picked a truck, called the bank, they faxed the dealership and we drove it away, no pull on the CR's.  In Dec of 06 we traded it in ( got half what we paid) bought my hubby a new F350 which we have since PIF with a LOC from BoA which will be PIF by the end of this year.  But we have a great home town bank and we love it.  Tks Vicki

[Anonymous]

There are still a few good banks around.  After dealing with BankOne I vowed to never do business with a giant bank ever again.  I went the credit union route and now have accts at my hometown bank -- with a total of 6 branches over 2 counties.  They're a do-it-all bank without being a giant.  I love them.  I should tell them!

As a kid I remember going behind the teller desks, having them call me by name and getting a dum-dum sucker from the bowl in the lobby.  Believe it or not, they still have the bowl -- and it's still unattended.

  ahhhhh.... 

[Anonymous]

I remember just a few years back   lmao    the note in the mail to pay overdraft within a week NO charge

I deal with what was a small bank but it is growing   I love it. You can take change inside but not at drive thru!

I had an account with Chase  omg  what a rip off  The fees were in a world of their own!

I have been with this bank for about 12 years now  so far so good!

[Anonymous]

My credit union used to be a small town little thing. Then they grew. And they took away interest on accounts below $5000. They took away this and that. They tried to recruit more and more people.

I missed a 30 day payment on a credit card. No notice or anything, they cut off access to my credit card, my checking account, and my savings account. At first I noticed my check card wasn't working so I went to find out what was up. Luckily the guy noticed.

My credit card balance was a fraction of the money I had with them. I think I had 6 to 7 times the amount of money in the checking account as the total balance on the card. Heck, way more money than the credit card's limit was.

So I'm mad. But I go online on their system and tell it to transfer the funds from my checking account to pay the card off in full.

2 days later, it fails, because I'm locked out of my accounts (with them) I can't pay (them). *Sigh* ... go in there, mad, they call it in and fix it. And I cancelled the card.

Then I tried to switch to ING direct and found out that there was another evil thing on my credit report.

Now that America has lost it's manufacturing we are supposed to be a service economy. But the service all around is pretty bad.