MSGID: 1:396/45.29@fidonet 25a20113   
   REPLY: 1053.canada@1:2320/105 2d5cc8df   
   PID: OpenXP/5.0.64 (Win32)   
   CHRS: ASCII 1   
   TZUTC: -0400   
   Hello Rob!   
      
   ** On Tuesday 21.10.25 - 08:46, you wrote:   
      
    >> she apologised if this process will take longer than expected   
    >> since "we don't carry much cash anymore".   
      
    RM> I think that depends on the bank. I've had CIBC insist you   
    RM> call ahead to pick up amounts of cash bigger then $2000 or   
    RM> so and yet one day at RBC I expected to be refused, but I   
    RM> asked to take out $10,000 from my account and they said it   
    RM> was no problem.   
      
   The next guy after you was probably told to call ahead!  :D   
      
      
    AA>> ... There is a fee for every deposit - and   
    AA>> the physical cash portion has a supplemental "handling"   
    AA>> fee of its own now too! - so, now I tend to pay my bills   
    AA>> in cash where I can.   
      
    RM> It's decades since I was involved with a Credit Union but   
    RM> I don't recall fees for simple things like that back then.   
      
   Just to clarify, this "cash handling" fee I am experiencing is     
   for "business" account holders.  Ironically, there is no fee to     
   deposit the cash in a personal account.  So, I dabbled with the     
   thought of opening up a personal account on the spot,     
   depositing the cash there, and then transfer it electronically     
   to the business account - but that would highlight the     
   stupidity of the bank's cash handling fee to easily.   
      
      
    AA>> Fleeced: Canadians Versus Their Banks | Paperback   
    >> Andrew Spence   
      
    RM> My main bank, I find that even when I do something dumb that   
    RM> generates a fee, they virtually always reverse the fee if I mention   
    RM> it to them. [...]   
      
   Your main bank still has some common-sense people working there     
   it seems. You are fortunate.  When I have complained about     
   certain fees, I just get the story "the head office sets the     
   policy - we can refer your concern to them."  No apologies, no     
   empathy, just a referral.   
      
      
    RM> More recently there was a $25 fee for something caused by   
    RM> a misunderstanding of when the fee for a transaction would   
    RM> come through. I expected it at the end of the month but   
    RM> they put it through the same day I set up the service.   
    RM> Again, a polite complaint that their system was not clear   
    RM> and they reversed that charge so, in general, I've gotten   
    RM> off fairly easy..    B)   
      
   Again, you have actual people who are willing to literally push     
   a few buttons and reverse charges.   
      
   Not me.   
      
   I have a minimum $1500 balance with BMO that then waives fees     
   if I do not go below $1500 at any time.  I had a series of     
   payments I made one time just before midnight, and the balance     
   dropped to EXACTLY $1499.99!  It was at the end of a banking     
   period too, so there were extra fees that pulled the balance     
   down to $1499.99, not just my outgoing payments.   
      
   The next day (a few hours later that morning) I noticed the     
   damn $1499.99 balance and thought "WTF!"  I topped up the     
   account to bring the balance closer to $2000.  But, sure     
   enough, the next billing period treated the <$1500 state as     
   criminal behaviour and I was charged for every transaction for     
   the entire month because of that!   
      
   The banks have ceased to be "service for the client"     
   orientated.  Instead, they are treating client as a source of     
   cash for every activity or request.  I'm surprised banks don't     
   yet have turnstiles and charge for admission.   
      
      
      
   --    
     ../|ug   
      
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