RV_ Posted February 3, 2019 Report Share Posted February 3, 2019 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. RV/Derekhttp://www.rvroadie.com Email on the bottom of my website page.Retired AF 1971-1998 When you see a worthy man, endeavor to emulate him. When you see an unworthy man, look inside yourself. - Confucius “Those who can make you believe absurdities, can make you commit atrocities.” ... Voltaire Link to comment Share on other sites More sharing options...
WILDEBILL308 Posted February 3, 2019 Report Share Posted February 3, 2019 That is true. But I found a laundromat in Wakefield RI. that takes credit cards. Bill 2008 Newmar Mountain Aire model 4521 450 hp Cummins ISM Allison 4000MH tran. Towing a 2014 Honda CRV with a blue Ox tow bar Home base Fort Worth Texas A man who carries a cat by the tail learns something he can learn in no other way. -Mark Twain- Link to comment Share on other sites More sharing options...
packnrat Posted February 4, 2019 Report Share Posted February 4, 2019 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. Link to comment Share on other sites More sharing options...
RonC Posted February 4, 2019 Report Share Posted February 4, 2019 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.😎 Ron & Peggy Carter Punta Gorda, FL 2019 Renegade Verona LE 40 LTS Link to comment Share on other sites More sharing options...
docj Posted February 4, 2019 Report Share Posted February 4, 2019 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. Sandie & Joel 2000 40' Beaver Patriot Thunder Princeton--425 HP/1550 ft-lbs CAT C-12 2014 Honda CR-V AWD EX-L with ReadyBrute tow bar/brake systemWiFiRanger Ambassador Follow our adventures on Facebook at Weiss Travels Link to comment Share on other sites More sharing options...
Kirk W Posted February 4, 2019 Report Share Posted February 4, 2019 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! Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
sandsys Posted February 4, 2019 Report Share Posted February 4, 2019 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 Blog: http://sandcastle.sandsys.org/ Former Rigs: Liesure Travel van, Winnebago View 24H, Winnebago Journey 34Y, Sportsmobile Sprinter conversion van Link to comment Share on other sites More sharing options...
Darryl&Rita Posted February 4, 2019 Report Share Posted February 4, 2019 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. I have been wrong before, I'll probably be wrong again. 2000 Kenworth T 2000 w/N-14 and 10 speed Gen1 Autoshift, deck built by Star Fabrication 2006 smart fourtwo cdi cabriolet 2007 32.5' Fleetwood QuantumPlease e-mail us here. Link to comment Share on other sites More sharing options...
sandsys Posted February 4, 2019 Report Share Posted February 4, 2019 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!!! Blog: http://sandcastle.sandsys.org/ Former Rigs: Liesure Travel van, Winnebago View 24H, Winnebago Journey 34Y, Sportsmobile Sprinter conversion van Link to comment Share on other sites More sharing options...
Kirk W Posted February 4, 2019 Report Share Posted February 4, 2019 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! 🤣 Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
rynosback Posted February 4, 2019 Report Share Posted February 4, 2019 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. 2015 Ram 3500 RC DRW CTD AISIN 410 rear 2016 Mobile Suites 38RSB3 Link to comment Share on other sites More sharing options...
Alie&Jim's Carrilite Posted February 4, 2019 Report Share Posted February 4, 2019 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. Alie & Jim + 8 paws 2017 DRV Memphis BART- 1998 Volvo 610 Lil'ole 6cyl Cummins Link to comment Share on other sites More sharing options...
Twotoes Posted February 5, 2019 Report Share Posted February 5, 2019 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. 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
WeBeFulltimers Posted February 5, 2019 Report Share Posted February 5, 2019 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! Fulltiming since September 1, 2010 2012 Ford F-350 PSD SRW Lariat Crew Cab 2012 Montana 3585SA Link to comment Share on other sites More sharing options...
Carlos Posted February 5, 2019 Report Share Posted February 5, 2019 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. Link to comment Share on other sites More sharing options...
Pat & Pete Posted February 5, 2019 Report Share Posted February 5, 2019 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 . Goes around , comes around . Link to comment Share on other sites More sharing options...
JimK Posted February 5, 2019 Report Share Posted February 5, 2019 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. Link to comment Share on other sites More sharing options...
SWharton Posted February 5, 2019 Author Report Share Posted February 5, 2019 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. Link to comment Share on other sites More sharing options...
dblr Posted February 5, 2019 Report Share Posted February 5, 2019 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. 2017 River Stone Legacy 38MB 2001 T2000 Kenworth 2009 Smart Passion ET Junior hitch Link to comment Share on other sites More sharing options...
Kirk W Posted February 6, 2019 Report Share Posted February 6, 2019 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. Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
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