Jump to content

Recommended Posts

You need cash or check at federal lands like BLM and COE parks, though, as they don't take credit cards.

Linda Sand

Share this post


Link to post
Share on other sites

We too use our credit cards, because we get cash back rewards and full protection, as opposed to debit cards with little protection and no cash back rewards. USAA refunds our ATM fees for about 5 a month. We only use the ATM with debit card maybe once every three months or so. I get cash back from retailers I use. If they don't do cash back then I don't do cash in by buying from them. Not anger or principle, just habit. We also keep a checkbook, or rather my SH does. I rarely write anything other than my illegible signature any more with computers. So her handwriting is much better than mine.

Edited by RV_

Share this post


Link to post
Share on other sites

this kind of problem has been going on for decades. you do not give them money, they do not want you in there bank. it is not a drug thing or any law. it is a bank policy.

Share this post


Link to post
Share on other sites

Last Summer the Wells Fargo in International Falls would not change my US to CAN dollars because I did have an account with them. Well. I hope they enjoyed their -44 degrees last week.😎

Edited by RonC

Share this post


Link to post
Share on other sites
41 minutes ago, RonC said:

Last Summer the Wells Fargo in International Falls would not change my US to CAN dollars because I did have an account with them.

With all due respect, why would you want to actually exchange currency and incur the fees associated with doing so?  Take a debit or ATM card from a US bank and insert it into an ATM from a Canadian bank (an actual bank ATM, not a grocery store one).  Use your PIN and out comes Canadian currency!  The exchange rate is usually very close to the actual trading rate for the day.

Edited by docj

Share this post


Link to post
Share on other sites
12 hours ago, packnrat said:

you do not give them money, they do not want you in there bank.

It is pretty much like a restaurant or retail store. All three of them are "for profit" businesses! 

Share this post


Link to post
Share on other sites
5 hours ago, Kirk W said:

It is pretty much like a restaurant or retail store. All three of them are "for profit" businesses! 

Reminds me of the body shop I worked at where a customer wanted to bring his pwn parts and just pay for labor. The shop owner asked the customer if he could bring his own ground beef to the customer's restaurant so he only had to pay for them to cook it.

Linda

Share this post


Link to post
Share on other sites
5 hours ago, Kirk W said:

It is pretty much like a restaurant or retail store. All three of them are "for profit" businesses! 

A restaurant exchanges currency for nourishment, all retail establishments exchange currency for goods. A bank is in the business of providing a service, in exchange for currency. If they choose to not provide a service, what's their raison d'etre? A lot of the banks in Apache Junction and Mesa have gone away from providing services to non-members, so when I need change, or a similar service that they only provide to account holders, I open an account. Once open, I get what I need, then close the account. Then ask to speak to the manager, if the manager isn't called to close an account. Being a Canadian citizen, the initial opening takes a little longer than usual, burning up their precious time. The manager is informed of this during the conversation. It might be petty, but some days I have nothing better to do.

Share this post


Link to post
Share on other sites
2 hours ago, Darryl&Rita said:

A restaurant exchanges currency for nourishment, all retail establishments exchange currency for goods. A bank is in the business of providing a service, in exchange for currency. If they choose to not provide a service, what's their raison d'etre? A lot of the banks in Apache Junction and Mesa have gone away from providing services to non-members, so when I need change, or a similar service that they only provide to account holders, I open an account. Once open, I get what I need, then close the account. Then ask to speak to the manager, if the manager isn't called to close an account. Being a Canadian citizen, the initial opening takes a little longer than usual, burning up their precious time. The manager is informed of this during the conversation. It might be petty, but some days I have nothing better to do.

Love it!!!

Share this post


Link to post
Share on other sites
2 hours ago, Darryl&Rita said:

It might be petty, but some days I have nothing better to do.

You must really be interesting at Walmart!  🤣

Edited by Kirk W

Share this post


Link to post
Share on other sites

It is common now a day.  Grocery stores, casinos and camp grounds will typically give change.  I bank with Wells Fargo and Bank of America.  Between the two I can pretty much find one anywhere.

Share this post


Link to post
Share on other sites

At Walmart, I have paid for a drink or candy bar with a $20 and asked for quarters back.  The usual reply is that they don't have enough, I say "Thats OK, I'll take what you got" which is usually $5-10 worth.

Edited by Alie&Jim's Carrilite

Share this post


Link to post
Share on other sites

Many years ago the bank I had my business account with advised me that they were starting to charge a fee to deposit cash because they had to count it. I said, “you are a bank, thats what you do, count cash.” They replied that It was labor intensive. I said would you rather take checks and risk them bouncing? I closed my account, walked across the street and opened a new account with their competitor. 

Share this post


Link to post
Share on other sites
12 hours ago, Twotoes said:

Many years ago the bank I had my business account with advised me that they were starting to charge a fee to deposit cash because they had to count it. I said, “you are a bank, thats what you do, count cash.” They replied that It was labor intensive. I said would you rather take checks and risk them bouncing? I closed my account, walked across the street and opened a new account with their competitor. 

I had the same experience in 1990 while opening a new small business account. The competitor across the street welcomed our business!

Share this post


Link to post
Share on other sites

All of that is exactly as it should be.  Every business should decide their costs and priorities.  Spreading the cost of cash handling across to businesses that don't handle cash is basically just business socialism.  We sat down with a banker and went through a list of things our business needs and does not need, and got the best costs overall to manage it all.  We agreed to never take a credit card verbally, so that knocked our card rate down a bit.  We will never handle cash, no fee there.  We agree to minimize teller use (I can't remember the limit per month), which is fine since I would never choose to use a human when there are automated options available.

People who use more services should pay more.  My business provides a flat fee for 90% of things, and then we have fees for the things that cost us time and/or money, which a few people pay for.  It would make no sense to penalize the customers who don't need that in order to subsidize the ones who do.

 

Edited by Carlos

Share this post


Link to post
Share on other sites
2 hours ago, Carlos said:

All of that is exactly as it should be.  Every business should decide their costs and priorities.  Spreading the cost of cash handling across to businesses that don't handle cash is basically just business socialism.  We sat down with a banker and went through a list of things our business needs and does not need, and got the best costs overall to manage it all.  We agreed to never take a credit card verbally, so that knocked our card rate down a bit.  We will never handle cash, no fee there.  We agree to minimize teller use (I can't remember the limit per month), which is fine since I would never choose to use a human when there are automated options available.

People who use more services should pay more.  My business provides a flat fee for 90% of things, and then we have fees for the things that cost us time and/or money, which a few people pay for.  It would make no sense to penalize the customers who don't need that in order to subsidize the ones who do.

 

Dang , I've been doing it wrong my whole life . I always gave a bit of a discount for cash . No wonder I'm poor , unlike the banks that have billions in profits .

Share this post


Link to post
Share on other sites

My main bank is Chase.  They are opening a few more branches in the Western half of the US but years ago there were almost none.  I opened a second account with Wells Fargo.  It was not only convenient for cash withdrawals but it really worked out well when we had IDs and credit cards stolen.  WF got us cash while we were waiting on new IDs and cards.

Share this post


Link to post
Share on other sites

We don't use any national bank, just a CU. We always have a stash of cash and several extra credit cards also. Replacement credit cards come overnight so it is no big deal for us.

Share this post


Link to post
Share on other sites

We also use a Credit Union and they have what's called shared branching, just search their site for where your at to find locations, so far we have always been able to find one if needed but I am sure one day we might not.

Share this post


Link to post
Share on other sites
3 hours ago, SWharton said:

We don't use any national bank, j

We bank through the brokerage firm that also manages my 401k, not rolled into an IRA. We shifted to that when simplifying to go on the road and have seen no reason to change. 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

RVers Online University

campgroundviews.com

Our program provides accurate individual wheel weights for your RV, toad, and tow vehicle, and will help you trim the pounds if you need to.

Rv Share

Dish For My RV.

Find out more or sign up for Escapees RV'ers Bootcamp.

Advertise your product or service here.



×