That was me last night…so mad I could have spit nails! Not aggravated, not frustrated, just plain M-A-D! So much so that the lighthearted post I had roughed out in my head all day was irretrievable!
This morning I’m not quite as mad but I’m still ready to spit tacks. In the grand scheme of things I’m wasting a ton of energy on something that doesn’t really have any negative impact on me, but once a principle is involved, watch out, I grab hold and just can’t let go.
I need to vent…
Yesterday afternoon I went to the bank drive-thru as I do every Thursday afternoon. When I rounded the corner and was stopped in heavy parked traffic, four cars in each of the two drive-thru lanes ahead of me, I should have figured out that something was amiss. Instead I decided that the teller was new and/or the computers were slow, hence the backup. After a few frustrating minutes of not moving, a glance into my rearview mirror yielded two cars behind me so there was no escape…I just had to suck it up and wait.
When I finally inched forward to second position in my line, the one closest to the building, I was entertained by the argument the lead customer in the other lane was having with the teller, the most amusing part being that the customer was looking into the tube box that sucks your transation up and over to the teller instead of looking across at the teller in the window. Seems the customer was unable to split a check, deposit part and get cash back, a transaction that according to the customer, was something she always did.
The ongoing exchange of words should have been unheard by me thanks to warning bells in my head, but alas, I wasn’t that smart. Instead I was busy thinking that the customer was trying to do something with a personal check that she does with a payroll check. Since she wasn’t going to be able to access her cash until the next day I did think about the impact that could have on her life if she seriously needed the money right away.
The customer took her transaction back in a huff then the teller turned her attention to the guy in front of me. A minute or two after she began his transaction the two of them started a conversation, then the drawer opened and the guy retrieved a piece of paper and a pen.
Now I was really getting ticked off!!! The guy had been in line for at least 15 minutes and he didn’t have everything ready?!?!?!?! GGGGggrrrr…. He did what he needed to do on the paper, returned it to the teller then pulled away a couple minutes later.
Fortunately the customer in the outside lane knew his stuff and was done quickly.
Then it was my turn, a full 22 minutes after I first pulled into line.
After nearly two minutes, the teller came back to me.
“I’m sorry, you can’t split your check between two accounts.”
“Excuse me? I don’t want cash back, just some put in my household account and the balance in my everyday account.”
“I understand, but the check needs to be deposited in full into one account and won’t be available until tomorrow.”
“What??? That’s a payroll check!”
“I know ma’am but that’s our policy. You can transfer the funds tomorrow.”
Here’s where the conversation became a repeat of that with the outside lane lady…
“But I’ve been doing this every week for the past 4-1/2 years!”
“I understand, but Chase began this new policy on October 26th. If you sign up for direct deposit you can have your funds split and they would be available to you today.”
“But I did this same transation last week on the 29th!”
Silence from the teller.
“And my company doesn’t offer direct deposit.” (Really, they don’t offer it — if they did I would have signed up instantly instead of having to make a weekly trek to the bank)
“Then you’ll need to deposit your check in full into one account and wait until tomorrow to use the funds.”
The teller sent one deposit slip back, I initialed the change needed and gave it back to her. I left the bank and fumed over the whole thing as I drove the 3 miles to the food store. When Chase bought Washington Mutual they went to great pains to let the WaMu customers know that nothing would change. I knew that was hogwash but this is the first evidence of it. Chase wants their transations to be done by machines instead of with people, hence the “have payrolls checks direct deposited or they’re unavailable for a day” penalty policy.
I tried very hard to quell my aggravation, reminding myself that waiting a day and transferring money on-line is NOT a big deal. And if I need some working capital (as my Dad calls wallet filling paper), there’s always some available in my account so I can use the ATM or write a check to get cash back when I make my deposit.
But it’s the principle of the whole thing…
As the anger was abating I parked my car at the foodstore and reached over to grab my purse. That’s when I discovered my house key ring with mini wallet attached was still sitting on the passenger seat. In a flash I knew why.
The teller never gave me back my license!! If I had my license it would have been snugly inside the mini wallet and the whole thing would have been inside my purse.
A very colorful selection of words flew from my lips as I ransacked my purse, mini wallet, full wallet and front seat area of the car, the whole time knowing that my license was still at the bank.
I drove back to the bank, acutely aware of my speed and in cop-lookout overdrive so that I wouldn’t further compound the events of the past half hour. I pulled into the last available parking space at the bank and went inside where I was confronted with a teller line at least two dozen customers long. I hooked a right and talked with a manager who quickly went to the drive-thru and returned my license to me.
When I walked out of the bank the end of the drive-thru line was IN the parking lot so at least 15 cars long, a situation I had never seen before. The parking lot was still overflowing and cars were circling in an effort to find a parking space. Again, something I’d never seen before.
I had a twinge of pity for the tellers and managers and all the grief they were getting this first payday of the new policy enforcement, as they’re just the messengers, and it was very evident that they were getting a LOT of grief. But then the “all about me” attitude returned and I smirked.
Then I got angry…again.
Then I stopped at the food store…again…but this time I went inside.
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