Does this make any sense to you at all?
August 10, 2009 9:32am CST
I'm with a bank that I've been with for quite some time now, they've introduced a thing where I can't get any money from the cashier, unless it's more than £30, however I can get £10 upwards from the cash machine. I've got £5 in the bank at the moment, that's all the money I've got right now, I had to transfer it from that bank to my other bank, which will take about 5 days to clear, just so as I can get it, the other bank I'm with will let me withdraw as little as I like. Can anyone explain that to me at all?
• United States
10 Aug 09
Sounds like just one more crazy banking rule to make it more and more difficult for people to access their money. At my bank, the cashiers don't have money at all. If you want money, you have to get it from a machine in the bank or at the ATM outside of the bank. One of the banks that I used to deal with started to charge a fee if I went inside the bank to deposit money instead of at the ATM. When my Aunt sold a piece of property and had a check for over $25K, I didn't feel comfortable depositing it in the ATM, I went inside. So the bank charged and 85 year old woman $25 because the check was deposited inside instead of through the ATM. I immediately changed all of our bank accounts to a bank across the street. Now, 10 years later, I get all sorts of letters asking me to open up a checking account from the that bank.
10 Aug 09
I had a letter about this a while ago and I think they said it was to do with Admin. charges except really I think they might just not have enough staff, so if you're only allowed over £30 out you'll use the machines, then the staff can get replaced by machines and even more things can go wrong.
• United Kingdom
11 Aug 09
I know the one you're talking about. They're the same one who told me it would be unfair to return charges incurred by them allowing someone to steal from my account whilst seeminlgy feeling it was perfectly fair for someone else to steal from me. Then they charged me £30 fees for unauthorised overdrafts for non-existent direct debits as well as another £30 fee for non-payment of a direct debit that was supposed to come out but couldn't because of the things that weren't supposed to come out. In fact, they did it so many times, I gave up complaining. I tried to close my account. They gave some lame excuse why they wouldn't let me and then suddenly charged yet another £30 for yet another overdraft because of yet another non-existent direct debit. All I got from them were patronising letters telling me how better to control my account and that I should make sure money is there to be taken (apparently that includes knowing that someone is going to steal or take a direct debit that was cancelled or not due)! So I am not surprised because I think they are doing whatever they can to make everything difficult for their customers (especially those who have been loyal). I've now got minus over £100 in my account with them because of the charges on top of charges for a £12 debit which shouldn't have been taken in the first place. Fortunately, I have got other accounts now where all my money goes in because obviously I can't trust Nationwide Building Society to look after it. It is a stupid idea not to be able to get less than £30 from the cashier. I'm sure you're not the only person who had used the cashier to get less than £10 because you didn't have any more in there. Maybe they're trying to get rid of the cashiers because why would people go inside to get more than £30? But basically they've made it so you can't get you're own money if you've got less than £10 in the bank. It's fortunate that you have another account to move it to but it seems a bit of a pain to wait 5 days for the sake of a fiver. And what if you need it in an emergency?