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moboman
1000+ Penny Miser Member
USA
1337 Posts |
 Posted - 05/22/2008 : 19:35:34
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Today I tried to cash a chase cashiers check at my local chase branch. The teller told me it would be $5 to cash it since I'm not a chase account holder. $5!!! to cash a cashiers check!!! So if it costs $6 to get one, and it costs $5 to cash it. Chase made $11 in fees on setting aside $50.
Chase was going to be the next bank I opened an account at too. I'll just scratch them off my list. 
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I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/22/2008 : 19:37:19
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I forgot to mention, I was extremely nice the whole time. I just said "no thanks, I'll take my check back." I did this because I was headed to another bank to pickup my weekly order.
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I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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misteroman
Moderator
USA
1246 Posts |
Posted - 05/23/2008 : 00:05:32
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| LOL maybe that should be your new dump bank.When My buddy goes into a bank and they are rude/not friendly or whatever he'll go in the next time with 1,000 $2 or something weird like that and wait while they count them. |
****Always buying wheats and Pre 82's!!!! See post or PM me for details****
http://realcent.forumco.com/topic.asp?TOPIC_ID=2014 |
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/23/2008 : 19:58:48
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| maybe I could hire a kid to walk in by him/herself with a 100 $1 coins/bills and say he/she really needs a single $100 bill. |
I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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Ardent Listener
Administrator
USA
2627 Posts |
Posted - 05/23/2008 : 20:07:13
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| Such fees are common these days at most banks. The check may be from their bank but unless you have an account there too it cost you up to $10.00 to cash it...........and they take your thumb print too while they are at it. |
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pencilvanian
1000+ Penny Miser Member
2035 Posts |
Posted - 05/23/2008 : 20:57:59
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It is actions such as these by some banks that cause many to resign themselves to remain "unbanked" (having no account with any bank.)
A smart owner of a check cashing agency could use Chase as an example of how a banks don't care about their customers.
(Who will the bank blame when they Chase away their customers? ) |
Edited by - pencilvanian on 05/23/2008 21:00:17 |
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HoardCopperByTheTon
Administrator
USA
3603 Posts |
Posted - 05/23/2008 : 22:24:26
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Wouldn't it be more fun to say.. "OK I would like to open an account." Then you cash the check. Then you say "OK, I would like to close my account.. I decided I really don't like banking here"  |
If your percentages are low.. just sort more. If your percentages are high.. just sort more.
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/23/2008 : 22:29:31
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I should try it at another chase branch! I still have the check, I've been to 2 different banks that would cash it for me for free, no questions asked since, and I still havent done it.
Is chase open on Saturday? |
I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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HoardCopperByTheTon
Administrator
USA
3603 Posts |
Posted - 05/23/2008 : 22:32:01
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| Pretty sure they are open on Saturday. If they give you the same treatment, open the account, cash the check, close the account. It would be a great story to tell here. |
If your percentages are low.. just sort more. If your percentages are high.. just sort more.
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/23/2008 : 22:37:29
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ya it would be a great story.
manager: "do you want a debit card?"
Me: "sure, why not?"
manager: "do you want to order checks?"
Me: "are they free? If so, yes"
manager: "Ok, Sir, you are all setup."
Me: "Can I cash my cashier's check now?"
Manager: "here's your money"
Me:"I'd like to close my account, that teller is giving me the evil eye! She is a (*insert racist, sexist, anything else here)"
Manager: "that will be $10 to close the account"
Me:"Dont make me call the NAAWP"
Manager:"Here is the $50 you opened your account with" |
I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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Saul Mine
Penny Collector Member
USA
335 Posts |
Posted - 05/23/2008 : 22:43:20
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| I don't know about your state, but in AZ the state law specifies exactly what is required to cash a check. Paying a fee and getting fingerprinted are not among the requirements. If you didn't mind the inconvenience you could file charges for a violation of that law. But it's probably less inconvenient to take the check back where you got it and demand a bounced check charge of $50 or so. You'll get it, too. And if the writer of the check is knowledgeable, he will sue his bank for breach of contract. |
A penny sorted is a penny earned!
Please use tinyurl.com to post links. Long links make posts hard to read. |
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HoardCopperByTheTon
Administrator
USA
3603 Posts |
Posted - 05/23/2008 : 22:43:53
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| Hey, maybe you will even get a free toaster, or blanket, or whatever... |
If your percentages are low.. just sort more. If your percentages are high.. just sort more.
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/23/2008 : 22:46:00
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| what ever happened to banks offering toasters to entice people to open new accounts. Even at one point banks were offering $50 to open an account and keep it for 6 months. Now none of the local banks are offering any thing. |
I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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HoardCopperByTheTon
Administrator
USA
3603 Posts |
Posted - 05/23/2008 : 22:57:31
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It is a timing thing. I just got an offer from a new local bank to give me $75 to open an account. I was probably going to open one there anyway, just to get more penny action.. but this is sweeeeeeeet! That is 3 free boxes of pennies!
I can send you a referal card for Bank of America. If you open an account there we each get $25! |
If your percentages are low.. just sort more. If your percentages are high.. just sort more.
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/24/2008 : 01:14:38
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there arent any Bank of America's around me otherwise I'd do that.
Sawmill, its a chase "cashier's check". The kind that chase pulls the money out of the issuers account when they buy the check.
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I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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redneck
Penny Collector Member
314 Posts |
Posted - 05/24/2008 : 05:47:10
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I got a "Milk Shake Mixer" for opening a account.
A Toaster is so cliche'.
FRN's are better though.(convertibility to real money)
Screw; JP MORGAN - CHASE BANK the bastard is dead and is still draining our pockets at every chance.
That $5 is probably going to help them pay for another accusation like Bear Stearns.
( their still laughing about how they pulled that one over on us)
I agree with Saul Mine,at least that would get the attention of the persons writing bank policy. |
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knibloe
Penny Hoarding Member
USA
537 Posts |
Posted - 05/26/2008 : 18:00:04
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I can send you a referal card for Bank of America. If you open an account there we each get $25!
[/quote]
Hoard, I was going to open an account at BOA. Sent me the referal if you want to . |
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knibloe
Penny Hoarding Member
USA
537 Posts |
Posted - 05/26/2008 : 18:07:32
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| Hey Moboman, I got them for you on Friday. Paid a sizable credit card bill in halves, nickels and pennies. It was so much change that I had to make two trips into the bank. It was a nice dump for me that got my wife off my back also. |
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moboman
1000+ Penny Miser Member
USA
1337 Posts |
Posted - 05/26/2008 : 18:57:39
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quote:
Originally posted by knibloe
Hey Moboman, I got them for you on Friday. Paid a sizable credit card bill in halves, nickels and pennies. It was so much change that I had to make two trips into the bank. It was a nice dump for me that got my wife off my back also.
Thanks Knibloe, your the best. Us penny guys have to stick together.  |
I have a hard time resisting the temptation to take a wheat penny out of the take a penny cup when I see one! |
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Chase!
