Do you use on-line banking?

I use my credit card for almost all purchases.

@TheHorse Isn't credit card expensive? I don't use either debit or credit cards. I prefer UPI. I guess you all do not have UPI.

@TheHorse if I had and used a credit card I would be in debt up to my eyebrows and could not afford groceries. I gave up credit cards before I left for Latvia and switched to debit cards. I know how much is in my account and that is good enough for me. I don't even have cash at home.

@TheHorse Still my advice would be to bifurcate receipts. The online account should not be the same as other where you have major receipts.

My on-line banking has always worked well for me.

@vandana7 I do not understand what you are saying. "Still my advice would be to bifurcate receipts. The online account should not be the same as other where you have major receipts".

I still pay a couple of bills with checks. I rarely use cash.

@TheHorse - Checks do not exist anymore both here in Italy and in Switzerland. You pay your bills online or you go to the post office with cash if you do not have Internet.

@LadyDuck Interesting.

@TheHorse That far off credit union is making us money.

@sallypup That's what it's all about!

Yikes! Glad you on-line banking works.

How do peoole steal from you? I have had checks stolen from my mailbox. It' s a pain.

@2ndchances24 What's not hard? Stealing checks from a mailbox? Or stealing money on-line?

@TheHorse It's not that hard to do these days.

I grasp most of it OK. I don't like wait time on the phone. And I always prefer to talk to a human.

@Ineeddentures Occasionally I get someone who speaks fluent English.

@TheHorse The wait time on the phone is a pain But with call centres it can be hard to understand the person at the other end of the phone

@JudyEv LOL! Yep.

You can probably talk to someone at your bank who will help you. Just be ready to hear "Your call is important to us" and then listen for 45 minutes "soothing":music.

What THe Horse says is so true. Go to the loo, get a cup of coffee then be prepared to wait ages! lol

@TheHorse Who knows. I was half asleep when I replied.

@AmbiePam It's either technology or on-line banking.

Don't mind which?

@TheHorse ........it wasn't for a large amount or they probably wouldn't have done it.

No way!!!!!

@celticeagle I don't know what their "decision rules" are.

Works for me.

@TheHorse I will be offline by then

@TheHorse Kiss my a$$ would be my go to.

Hello. This is The Horse responding. I hope you are having a nice day. The wait time for a personal response from The Horse is about 45 minutes.

@lovebuglena Heh. I tend to avoid "apps."

The latter I have never done.

@TheHorse depositing a check is easy through the app.

They often do not work very well.

I very rarely use cash. But I stil l use checks for some bills.

@TheHorse I have $25, not counting change.

@BarBaraPrz Heh. I keep guitar picks in my right front pocket, where change used to live.

When I go to an ATM it is usually to deposit music gig money. I have $10 in my wallet right now.

Thank you @TheHorse

Well-said. I agree.

@TheHorse That would make sense. I can't even remember the last time I was paid in cash for anything. I can't even remember the last time I had cash in hand, since I do everything electronically these days.

I go mostly to deposit gig money, which is usually paid in cash.

I do my on-line banking on my desk-top computer. Does that make me "old-school"?

@JESSY3236 In general, I don't do apps.

@TheHorse no. I do that too. I used to have a banking app, but I couldn't remember my password on it so I rather do it on the computer.

Vulnerability to cyber attacks is scary. I tend to keep less amount, and put major amounts in Fixed Deposits so that the attacker cannot cash it without personally visiting the branch. Even then accounts are broken into several branches. Kinda, if one is lost, I am not helpless.

@JudyEv Oh I am good. Thank you Judy. There is some superstition circulating that someone is extremely envious of me, because of which they are unable to win the case. The case is not coming up for hearing also. :( I was asked to keep low profile. I have this evil eye objects on me....weird...for a logical person like I. But if it works, why not. On personal level, I don't give a damn. But others are also suffering apparently because of their link to me. How have you been?

@vandana7 It's good to see your name again, Vanny. I hope you are well.

My on-line banking usually works well.