Time for a new banking institution
Dear Bank,
The other day, I was thinking of you Bank. Remember a few months ago when you cashed a check on my account only it wasn't our check and the numbers didn't match up or the names? Your teller had transposed a couple numbers and made an honest mistake? Remember how you made us wait 3 days to 'clear it all up' and in the mean time we were short $500?
I understand, mistakes happen. God knows I've goofed up our checking account a few times since we started our relationship. The thing I was thinking about though was how when I mess up, you make me pay you hundreds of dollars in fees and such. Isn't that funny?
My husband has a freelance client who really likes making his checks out to the name of his freelance business and not to him personally. It's true, we really should have a business account but I should also floss my teeth every day and not just the day before I visit the dentist.
Half the time, Bank, you don't even notice who the check is made out to. The other half of the time you refuse to deposit the money into our account. At least until I pull out of your branch and drive a quarter mile to another. Then they'll take the check without any questions.
The thing that bothers me about this issue is not just the lack of consistency in your actions but also the fact that I am only depositing the money. I am not taking cash back and you are holding the funds until the check clears. Which it will, just like it always does.
Yesterday I came by to deposit a check for a whopping $40. I was not getting any cash, I just wanted to put that whole $40 into my bank account, so I could buy a newspaper or something.
My signature is sort of messy. I used to write my whole name out but then I started signing my name like all the adults in my life. A big M with a scribble and a big S with a scribble, sometimes I just write M S-scribble because....Bank? Does it strike you as a little odd I have to explain all this to you?
Yesterday I tried to deposit forty whole dollars into my account and while waiting for my deposit slip you called over the intercom that I would need to sign my whole name on the back of my check because that is the legal name I gave you for my account. Also? Could I add that W initial I have on the account?
Bank? It's A FORTY DOLLAR CHECK. Just put it in my account for christ sakes.
I was stunned when you really did send my check back for a new signature. But guess what Bank? I signed it almost exactly the same but I squiggled my pen after the M just for you. I did not put the W though because Bank, I think you're just being a bitch now.
All this inconsistency and weird added road blocks aren't the thing that's making me want to grab my money and run from you Bank.
What I'm trying to say Bank is that if anyone wants to put money into my bank account? I'm cool with you letting them. Just place a hold on the check and if for some reason it doesn't clear, hey! we'll just pretend it never happened. Okay?
Sincerely, your 19 year customer,
M S-scribble
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New posts: I'm starting a book club for kids and reintroducing Did They Eat It? at a new venue. Did they? There's only one way to find out.....
Also I've been working on a secret new project and it's going to launch very soon and I can hardly wait for you to see it. More next week....







