Why I hate banks.

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Today I was to receive my first SS payment. About a month ago I checked at my bank since my account was inactive to make sure the bank would accept the electronic transfer. The bank assured me everything would be OK. Today I went to one of the bank's ATMs to check my balance and found out my account had been closed. Thus my SS payment is now somewhere in cyberspace. I may get the payment tomorrow or I may have to wait up to 10 days. After almost having a meltdown at the bank office I had to deposit $1.00 to keep my account open.

Stay tuned I previously sent over 500 letters regarding a bank traqnsgression a few years ago. I will update this thread as this comic tragedy progresses.

ruveyn -- I have had a fairly good experience with my current bank. Actually I told the customer service woman this morning that she should be as angry as me since what she previously told me turned out not to be true.

Besides my hatred of banks, I also have a severe allergy to bureaucracy. Combine those two attributes and my near meltdown this morning is the result.

My bank has a "maintenance fee".

Total BS.

Think about it, why do we have banks for, anyways?

1. For convenience.

2. Safety.

2. To buy things we can't afford to pay cash for.


You can do without these things in modern society, but it isn't always easy. Like others have said, going to a local bank, or a credit union should give you better customer service. I personally use a mid-sized, regional bank, because they have more ATM locations, and a better online experience than some of the small local banks around here. I don't have too many complaints about them so far.

Day 2. The bank managed to receive my SS deposit overnight. Now I must wait for a new ATM card with a new PIN. Stay tuned they tell me this should take about a week. We'll see.

I would suggest an online bank... give that a look, as well as a credit union, I use a combination of both, there's no reason to settle for less with a big traditional bank when an online bank will give you the same amount of interest on a checking account as a savings account at far higher rates, with no stupid fees set up to nickle and dime the hell out of you.

There are many online banks, the one I currently use is ING Direct, alongside a Charles Schwab account that allows me to use my debit card at any ATM in the country including other banks for free (they pay back the fees incurred at the end of the month) and a local credit union.