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On Mon, 2 Jan 2012 00:09:14 -0500, "F. Barry Mulligan"
wrote: If you went to a US Assay Office, you could get full value. After failing to talk you out of it, they would get out a set of scales and weights, open the safe and get a pouch of silver powder and measure the appropriate amount into a glassine envelope. They were definitely not happy about all this, particularly since they knew the customer would quickly realize there was nothing he could do with a little envelope of silver dust. Unless one had enough little envelopes and one's hobby was jewelry making. A dentist friend of mine makes jewelry out of reclaimed gold that cannot be reused in her practice.. -- Phil Kane - Beaverton, OR PNW Beburg MP 28.0 - OE District |
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On Mon, 02 Jan 2012 12:25:12 +0000, "
wrote: I remember seeing a Federal Reserve note that was printed in Honolulu. It was the only time that I have ever seen one. In general, the FRNs do not stray very far from the District in which they were issued, certainly not now that cash is starting to be used less and less. It most probably was printed by the US Treasury's Bureau of Engraving and Printing at their facility in Washington DC. Hawaii is located within the 12th Federal Reserve District (San Francisco) and unless that was one of the special Hawaii-issue notes of WW-II, it would have had the San Francisco indicia. -- Phil Kane - Beaverton, OR PNW Beburg MP 28.0 - OE District |
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On Mon, 2 Jan 2012 05:21:31 -0800 (PST), "Peter T. Daniels"
wrote: ? Is currency printed anywhere but the Bureau of Engraving and Printing in Washington, DC? There's another printing facility in Fort Worth, TX. Not to be confused with "government checks" which were printed in several other locations, some of which have been closed now that The Uncle demands electronic funds transfer for many of the things that they used to print "green paper checks". -- Phil Kane - Beaverton, OR PNW Beburg MP 28.0 - OE District |
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On Jan 2, 3:05 pm, Phil Kane wrote:
In general, the FRNs do not stray very far from the District in which they were issued, certainly not now that cash is starting to be used less and less. Some time ago, for the heck of it we built a collection of bills from every Fed District. While the majority of bills were from our home district and an adjacent one, it didn't take too long to build a full set. years ago, what was the largest size bill subway clerks and commuter railroad conductors would accept? I doubt many people would put in a $20 bill for a 5c subway fare, and counterfeiting was a risk. On commuter railroads way back fares were relatively cheap, so I don't think a $20 bill was appreciated for a 50c fare. On the other hand, a railroad ticket office could sell expensive tickets for a long trip, such as Pullman tickets to Chicago for a family. As an aside, years ago when we travelled my father used traveler's checks. I wonder if anyone still does in this day of credit cards. (I once lost some Am Exp travelers checks and they did refund them easily and immediately.) (I didn't realize back then Am Exp made their money on the 'float time' between when the consumer bought the traveler's checks and the time they were used, more so than the fee itself.) [2] |
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" wrote:
Do busses in Westchester County still accept dollar bills? No. Metrocard fareboxes don't take bills, so the Westchester system stopped accepting bills when they got Metrocard in 2007. At least one of the former private NYC bus lines used to take bills and Metrocards. They had to install two fareboxes to do this. Jimmy |
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In message , at 23:44:00
on Sun, 8 Jan 2012, Bolwerk remarked: I don't really ever see a need to go to the bank, and if I do I prefer to use the ATM and skip the line. Here in the UK the ATMs often have a line as well. And getting back to trains, so do automatic ticket machines, which can have a longer line than the windows. But pre-purchased tickets can only be collected from the machines. -- Roland Perry |
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On Jan 9, 5:31*am, Roland Perry wrote:
In message , at 23:44:00 on Sun, 8 Jan 2012, Bolwerk remarked: I don't really ever see a need to go to the bank, and if I do I prefer to use the ATM and skip the line. Here in the UK the ATMs often have a line as well. Here, smaller branches may have only a single ATM, and there are ones not physically attached to a bank (for instance in retail locations), but many city bank branches have lobbies, accessible after-hours with the ATM card, with several ATMs. The Chase branch on Broadway across the street from St. Paul's Chapel, a block from the WTC and [ObTransit] adjacent to the Fulton St. Transportation Complex (which actually has above-ground structure now), has many open-air ATMs. At such facilities there's rarely a wait of more than a person or two. And getting back to trains, so do automatic ticket machines, which can have a longer line than the windows. But pre-purchased tickets can only be collected from the machines. PATH stations have a variety of ticket machines. The single-purpose cashless ones at the three terminals I use (haven't noticed where they are in Newark, have never gotten off in Hoboken) for refilling a PATH SmartCard often have no line at all, while there's often a line at the ones with MTA MetroCards as well. |
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On 1/9/2012 5:31 AM, Roland Perry wrote:
In message , at 23:44:00 on Sun, 8 Jan 2012, Bolwerk remarked: I don't really ever see a need to go to the bank, and if I do I prefer to use the ATM and skip the line. Here in the UK the ATMs often have a line as well. Well, let me elaborate: ATMs often have lines here, but generally not as bad as tellers' lines. It's probably because people to 2-3 predictable things with ATMs (withdraw, deposit, balance check) while all unusual business probably goes to the teller (e.g., withdrawing dollar coins or $2 bills). And getting back to trains, so do automatic ticket machines, which can have a longer line than the windows. In NYC, our most immediate option for subway fare purchasing is a TVM. I'm not sure buying from station attendants is an option anymore, and if it is it's limited to certain types of rides. But pre-purchased tickets can only be collected from the machines. That, unfortunately, is something we don't have. Amtrak does it well though. |
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Peter T. Daniels wrote:
Here, smaller branches may have only a single ATM, and there are ones not physically attached to a bank (for instance in retail locations), but many city bank branches have lobbies, accessible after-hours with the ATM card, with several ATMs. It may just be me or my banks, but my experience in the UK is that lobbies are being steadily phased out by banks, sometimes by refurbishment, sometimes by simply fully locking the door overnight. Several of my banks are also making it almost impossible to deposit out of hours, whether by removing lobbies, sealing letter boxes and/or withdrawing the ability to deposit cheques & notes through ATMs. For withdrawing cash there's usually enough open air machines, but every so often the banking industry threatens to remove the LINK agreement that allows people to use different banks' ATMs without charge and intoduce fees, sometimes with the appalling title of "disloyalty fees". This is especially annoying if you live in a suburb where your own bank hasn't bothered to establish a small branch because there are large branches in neighbouring suburbs to handle business and, crucially, enough branches from other banks plus standalone ATMs that customers needing instant access to cash are currently served well enough without fees. |
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In message , at 17:09:16 on Mon, 9 Jan
2012, Tim Roll-Pickering remarked: It may just be me or my banks, but my experience in the UK is that lobbies are being steadily phased out by banks, sometimes by refurbishment, sometimes by simply fully locking the door overnight. The only UK bank that I'm aware of that ever had lobbies was Lloyds (and they needed an ATM card swipe to get in). The practice in other countries of having a lobby open 24x7 which was separately doored off from the bank itself never caught on. -- Roland Perry |
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Roland Perry wrote:
It may just be me or my banks, but my experience in the UK is that lobbies are being steadily phased out by banks, sometimes by refurbishment, sometimes by simply fully locking the door overnight. The only UK bank that I'm aware of that ever had lobbies was Lloyds (and they needed an ATM card swipe to get in). The practice in other countries of having a lobby open 24x7 which was separately doored off from the bank itself never caught on. Midland/HSBC were quite big on them back in the 1990s - it was one of the reasons I took my first child account with them. They were originally ATM card accessible but following cases of fake machines designed to capture card details being placed on doors in the mid 2000s they moved over to a completely open-access, press a button model. Then they found the lobbies were becoming unsafe and nasty - I wonder why - and so moved to phase them out altogether. Halifax also had some lobbies back then and a few survive to this day. |
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On Jan 9, 10:30*am, Bolwerk wrote:
On 1/9/2012 5:31 AM, Roland Perry wrote: In message , at 23:44:00 on Sun, 8 Jan 2012, Bolwerk remarked: I don't really ever see a need to go to the bank, and if I do I prefer to use the ATM and skip the line. Here in the UK the ATMs often have a line as well. Well, let me elaborate: ATMs often have lines here, but generally not as bad as tellers' lines. *It's probably because people to 2-3 predictable things with ATMs (withdraw, deposit, balance check) while all unusual business probably goes to the teller (e.g., withdrawing dollar coins or $2 bills). While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. That's also true of the drive-through- where people sit with their engines idling for 30 minutes (I turn mine off, on the rare occasion I use it) while they wait. But I get dollar coins about twice a year- I use a roll of them as stocking stuffers for my kid at Christmas, and I sometimes stock up on them to use at Muni-Meters...I keep a roll or two hidden in the car for those rare times I need to feed a meter. It's worth the wait. I will say that there have been times that my bank (TD) told me I had to call ahead to get rolled dollar coins- they only had loose ones- but they always had some to give me. As an aside, TD Bank also has a nice system, but few people are aware of it. Most branches have 2 ATMs in the lobby, but only one will take deposits. That speeds things up for people who just want some fast cash for lunch or something. Chris And getting back to trains, so do automatic ticket machines, which can have a longer line than the windows. In NYC, our most immediate option for subway fare purchasing is a TVM. I'm not sure buying from station attendants is an option anymore, and if it is it's limited to certain types of rides. But pre-purchased tickets can only be collected from the machines. That, unfortunately, is something we don't have. *Amtrak does it well though. |
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Bolwerk wrote:
In NYC, our most immediate option for subway fare purchasing is a TVM. I'm not sure buying from station attendants is an option anymore, and if it is it's limited to certain types of rides. Station booth attendants who sell Metrocards certainly do still exist in NYC. Not every station or entrance has them, but there are plenty that do. The only type of fare you can buy at a machine but not from an attendant is a SingleRide. (It used to be true of 1-day passes as well, but those don't exist any more.) Also, machines take credit/ debit cards and attendants don't. There are some things attendants can do that the machines can't, such as combining the value from multiple Metrocards. Jimmy |
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On Jan 9, 12:09*pm, "Tim Roll-Pickering" T.C.Roll-
wrote: Peter T. Daniels wrote: Here, smaller branches may have only a single ATM, and there are ones not physically attached to a bank (for instance in retail locations), but many city bank branches have lobbies, accessible after-hours with the ATM card, with several ATMs. It may just be me or my banks, but my experience in the UK is that lobbies are being steadily phased out by banks, sometimes by refurbishment, sometimes by simply fully locking the door overnight. Several of my banks are also making it almost impossible to deposit out of hours, whether by removing lobbies, sealing letter boxes and/or withdrawing the ability to deposit cheques & notes through ATMs. For withdrawing cash there's usually enough open air machines, but every so often the banking industry threatens to remove the LINK agreement that allows people to use different banks' ATMs without charge and intoduce fees, sometimes with the appalling title of "disloyalty fees". This is especially annoying if you live in a suburb where your own bank hasn't bothered to establish a small branch because there are large branches in neighbouring suburbs to handle business and, crucially, enough branches from other banks plus standalone ATMs that customers needing instant access to cash are currently served well enough without fees. That all sounds utterly bizarre. Have your designers never heard of electronic locks that will admit someone who has an ATM card to swipe? Our banks encourage the use of ATMs so they can fire more and more (low-paid anyway) tellers. Some banks even pick up the fees charged to ATM-users who don't have an account at the bank it belongs to. |
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On 1/9/2012 4:48 PM, Jimmy wrote:
wrote: In NYC, our most immediate option for subway fare purchasing is a TVM. I'm not sure buying from station attendants is an option anymore, and if it is it's limited to certain types of rides. Station booth attendants who sell Metrocards certainly do still exist in NYC. Not every station or entrance has them, but there are plenty that do. The only type of fare you can buy at a machine but not from an attendant is a SingleRide. (It used to be true of 1-day passes as well, but those don't exist any more.) Also, machines take credit/ debit cards and attendants don't. Yeah, I was thinking they only sell single rides, but wasn't sure. I Maybe I've asked an attendant a question about three times since tokens went out. The last time I actually bought something from an attendant it was a token. I usually only buy unlimiteds these days, and prefer to use a card for the security in case I lose it anyway. There are some things attendants can do that the machines can't, such as combining the value from multiple Metrocards. Jimmy |
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"Tim Roll-Pickering" wrote in message ... Roland Perry wrote: Midland/HSBC were quite big on them back in the 1990s - it was one of the reasons I took my first child account with them. They were originally ATM card accessible but following cases of fake machines designed to capture card details being placed on doors in the mid 2000s they moved over to a completely open-access, press a button model. Then they found the lobbies were becoming unsafe and nasty - I wonder why - and so moved to phase them out altogether. My local HSBC had a lobby which was removed and replaced with outside ATMs a year or two back. I didn't know abut the fake machines outside lobbies although I have heard of similar scams to capture card details. Incidentally most HSBC branches still have ATMs inside and in my experience tend to be laid out to dissuade customers from joining a queue and dealing with a human Martin |
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My local HSBC had a lobby which was removed and replaced with outside ATMs a
year or two back. I didn't know abut the fake machines outside lobbies although I have heard of similar scams to capture card details. ObNYC: A Romanian guy was arrested for putting skimmers on 40 ATMs at HSBC branches in downstate NY and making cloned ATM carss, then stealing $1.5M from customer accounts. Details he http://www.bankinfosecurity.com/arti...hp?art_id=4388 In the NY area, ATMs tend to be located in an inside lobby, with a latch on the door you can open by swiping any ATM or credit card. R's, John |
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Peter T. Daniels wrote:
It may just be me or my banks, but my experience in the UK is that lobbies are being steadily phased out by banks, sometimes by refurbishment, sometimes by simply fully locking the door overnight. Several of my banks are also making it almost impossible to deposit out of hours, whether by removing lobbies, sealing letter boxes and/or withdrawing the ability to deposit cheques & notes through ATMs. For withdrawing cash there's usually enough open air machines, but every so often the banking industry threatens to remove the LINK agreement that allows people to use different banks' ATMs without charge and intoduce fees, sometimes with the appalling title of "disloyalty fees". This is especially annoying if you live in a suburb where your own bank hasn't bothered to establish a small branch because there are large branches in neighbouring suburbs to handle business and, crucially, enough branches from other banks plus standalone ATMs that customers needing instant access to cash are currently served well enough without fees. That all sounds utterly bizarre. Have your designers never heard of electronic locks that will admit someone who has an ATM card to swipe? Yes and we used to have them (and for a few banks still do). But reports of fraudsters removing the locks and replacing them with devices to capture card details caused a scare and the lobbies started to be opened to all, then when undesirables started using them the banks started phasing them out altogether. |
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Martin Rich wrote:
Incidentally most HSBC branches still have ATMs inside and in my experience tend to be laid out to dissuade customers from joining a queue and dealing with a human Nice - the Stratford (non-Westfield) branch still has the lobby layout and the machines and receptionist point are clumped in such a way that at busy times it's very difficult to even join the right queue. Conversely in the new Westfield branch the layout makes it all too easy for roving staff to pounce on you - something I find annoying when I'm just there to quickly use the machines (especially the coin deposit machine as many other branches don't have them). |
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"Peter Campbell Smith" wrote in message ... wrote in : And getting back to trains, so do automatic ticket machines, which can have a longer line than the windows. But pre-purchased tickets can only be collected from the machines. No, actually. You can collect ToD tickets from ticket windows. I've done it. It seems to depend where you are. In Southern territory I've done it several times, but at a Northern station I was told it couldn't be done. SWT's normal starting point is that you cannot collect 'TOD' from a ticket office window, that's what the machines are there for. Of course that could come from either staff or management, there's no way of telling. Paul |
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In article , (Roland Perry)
wrote: In message , at 09:11:23 on Tue, 10 Jan 2012, remarked: But pre-purchased tickets can only be collected from the machines. No, actually. You can collect ToD tickets from ticket windows. I've done it. You can, but it needs "full ID". And they are very grumpy about it. Not my experience. I couldn't collect by machine because the Shere machines refused to recognise my Visa card for ToD purposes (they were happy to take money off it) and the Scheid & Bachmann machine was out of order so I had no alternative and started by asking what to do because I didn't think I could collect from a ticket window. They were incredibly kind and helpful. Maybe they like you. My experience has ranged from "it's the Internet and nothing to do with us" to having to go back home to get more ID than a [different] credit card plus photo driving licence. That's ridiculous. They can have no legitimate need for more identification than a machine needs. Did you complain to the TOC involved? I should add that I have since collected other ToD tickets from a Cambridge ticket window. -- Colin Rosenstiel |
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John Levine wrote:
In the NY area, ATMs tend to be located in an inside lobby, with a latch on the door you can open by swiping any ATM or credit card. Not just an ATM or credit card -- anything with a magstripe. Including a Metrocard, which has a totally different encoding scheme. It's clear the door lock devices aren't reading your complete card number, since you only have to put your card in a fraction of an inch before the door unlocks. Jimmy |
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On 09/01/2012 23:59, Martin Rich wrote:
"Tim Roll-Pickering" wrote in message ... Roland Perry wrote: Midland/HSBC were quite big on them back in the 1990s - it was one of the reasons I took my first child account with them. They were originally ATM card accessible but following cases of fake machines designed to capture card details being placed on doors in the mid 2000s they moved over to a completely open-access, press a button model. Then they found the lobbies were becoming unsafe and nasty - I wonder why - and so moved to phase them out altogether. My local HSBC had a lobby which was removed and replaced with outside ATMs a year or two back. I didn't know abut the fake machines outside lobbies although I have heard of similar scams to capture card details. Incidentally most HSBC branches still have ATMs inside and in my experience tend to be laid out to dissuade customers from joining a queue and dealing with a human Martin Much more prefer to just do it yourself, rather than deal with a nasty human. |
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On 10/01/2012 20:33, Jimmy wrote:
John wrote: In the NY area, ATMs tend to be located in an inside lobby, with a latch on the door you can open by swiping any ATM or credit card. Not just an ATM or credit card -- anything with a magstripe. Including a Metrocard, which has a totally different encoding scheme. It's clear the door lock devices aren't reading your complete card number, since you only have to put your card in a fraction of an inch before the door unlocks. Jimmy I thought that you could run about any card through a magstripe reader in order to gain access to a bank. Also, even if it is indeed the case that people are hoping to clone your card by replacing a real magstripe reader with a phony one, they still need your number. |
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On 09/01/2012 23:34, Bolwerk wrote:
On 1/9/2012 4:48 PM, Jimmy wrote: wrote: In NYC, our most immediate option for subway fare purchasing is a TVM. I'm not sure buying from station attendants is an option anymore, and if it is it's limited to certain types of rides. Station booth attendants who sell Metrocards certainly do still exist in NYC. Not every station or entrance has them, but there are plenty that do. The only type of fare you can buy at a machine but not from an attendant is a SingleRide. (It used to be true of 1-day passes as well, but those don't exist any more.) Also, machines take credit/ debit cards and attendants don't. Yeah, I was thinking they only sell single rides, but wasn't sure. I Maybe I've asked an attendant a question about three times since tokens went out. The last time I actually bought something from an attendant it was a token. That would have been in early 2003 at the latest. |
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" wrote:
On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. When this happens, you should perhaps remind yourself that the customers who take the most time are usually business customers who pay significant bank charges that help fund free banking for personal customers like you. ;-) |
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On Jan 10, 6:36*pm, Bruce wrote:
" wrote: On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, *wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. When this happens, you should perhaps remind yourself that the customers who take the most time are usually business customers who pay significant bank charges that help fund free banking for personal customers like you. *;-) I always figured that they got free use of my money, especially with my checking account, which pays me no interest at all. THAT should fund my free banking. Chris |
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" wrote:
On Jan 10, 6:36=A0pm, Bruce wrote: " wrote: On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, =A0wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. When this happens, you should perhaps remind yourself that the customers who take the most time are usually business customers who pay significant bank charges that help fund free banking for personal customers like you. =A0;-) I always figured that they got free use of my money, especially with my checking account, which pays me no interest at all. THAT should fund my free banking. In your dreams. When my bank introduced free banking for personal customers, it raised charges for small business customers by 150%. Your "free" banking is funded by higher bank charges for business, ultimately passed on to, and paid for by, the customers of those business, i.e. you. |
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On 1/10/2012 9:34 PM, Bruce wrote:
@gm ail.com wrote: On Jan 10, 6:36=A0pm, wrote: wrote: On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, =A0wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. When this happens, you should perhaps remind yourself that the customers who take the most time are usually business customers who pay significant bank charges that help fund free banking for personal customers like you. =A0;-) I always figured that they got free use of my money, especially with my checking account, which pays me no interest at all. THAT should fund my free banking. In your dreams. When my bank introduced free banking for personal customers, it raised charges for small business customers by 150%. Even if that's true, and I have a hard time believing those things had much if anything to do with each other, why didn't you move to a more business-friendly bank when they started doing that? Your "free" banking is funded by higher bank charges for business, ultimately passed on to, and paid for by, the customers of those business, i.e. you. I don't know if it's different in the UK, but free banking here is generally just a way to soak the poor. For most people, it comes with no interest return and nearly usurious fees. Generally, the strategy was to lure people with with perks and remove them over time. |
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On Jan 10, 6:11*pm, "
wrote: On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, *wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. Banks sell stamps? |
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"Peter T. Daniels" wrote:
On Jan 10, 6:11*pm, " wrote: On 09/01/2012 21:33, wrote: On Jan 9, 10:30 am, *wrote: While people at ATMs are usually doing fast transactions, there are usually more of them on line than there are on a teller's line. Unfortunately, when you get on a teller line, you usually are behind some bozo who wants to do 6 months of banking in one visit. I always thought that this just happens with me, especially when I just want to complete one very quick transaction or buy one postage stamp. Banks sell stamps? Post Offices that offer banking services, more like. |
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