Bank refused to cash check!

[Lindsey_Mcfarren]

Originally Posted by bxlefty23

also b of a is the worst bank out there customer service wise
where i live there is a wamu where i still get 4% on saving right across from a bofa that charges you for breathing. Wamu is open 2 hours later and charges you for nothing. People still use bofa. They have other options and instead o f telling bofa how to condct business they should just move to a better bank.
Also commerce has great customer service, they even have free change counting machines.

Yea, I am after 7-8 years thinking of leaving. I haven't had a problem with BofA until recently. I had always heard Wachovia was good but I am going to investigate, I want over draft protection and free checking if at all posible.

[KarlaT2]

I've had B of A for years, and like them. I guess it depends on the branch, and the people who work there. The only issue I ever had with them was over 10 years ago when I was living in Arizona, and was in California, and tried to make a cash withdrawal and told the Arizona banks weren't linked with the rest of B of A's computers so they couldn't check my balance. Kind of stupid, but that has been only problem I've had.

[KingOfKool]

It's not only people that have cashed bad checks that can't get a bank account. I'm a native american indian. When I was young the government gave the catholic church permission to go onto the reservation and kidnap all the children. We were put in orphanages. As an orphan I never received a birth certificate and they wouldn't let us know who are parents were. So without knowing my parents names I'm unable to get a birth certificate from the state. I can't get an ID without a BC. I'm unable to drive, get a bank account, etc.

[glass_of_merlot]

I don't like banks. I have an account with both BOFA and US Bank. IM going to close them on monday. The only bank I still use and love is USAA. They are not like a regular bank.

[bxlefty23]

Originally Posted by DanielChang

Perhaps then, banks should pass on those charges to the people who write the checks.

This is nothing more than another "tax" on poor people who already don't have a bank account, now they have to pay extra for the privilege of turning a check into cash? And we're not talking about another bank's check, either. We are talking about checks drawn on that very bank. I don't not believe asking for par value on the check is outrageous.

I don't give a h00t about how much it costs to process the check.

I'm not shedding any tears for banks who claim their losing money processing the checks. Banks already make a ton of money investing the assets they hold. They only pass on a fraction of it to the customers who own those assets. In fact, many customers have non-interest bearing checking accounts, so the banks hold their money for free and don't have to pay a dime on the interest and dividends those assets are producing. Yes sometimes it costs money to service the account, that is a cost of doing business.

If it costs too much money to process checks, stop offering checking accounts.

If you wish to offer a product, you need be prepared to spend the money it costs to service that product.

If a bank can't absorb those charges and have to pass those charges on the holders of the checking account, so be it.

this is one of the dumbest posts i have ever read
if you owned a business why would you charge your own customer for something and in the process NOT charge a non customer

[old_cold]

You want to see how picky your bank is getting?
Try depositing.....not cashing....just depositing a third party check in your account .