How long since you were INSIDE a bank? (1 Viewer)

[avoiding injuries]

It occurred to me that I haven't been inside an actual bank in over a year. Between online banking, direct deposit and ATM's, I can see it being much longer. 

Am I alone? When was the last time you were in your local bank?

 

[SaintsInDome2006]

Thanks, this reminds me I have to go to the bank today.

 

[avoiding injuries]

Thanks, this reminds me I have to go to the bank today.

Do you need lollipops for the kids?

 

[xulf]

Went this morning.

 

[D in the D]

The only ATMs I know that dispense Hondos are in the Casinos.  But that's about the only time I set foot in them.  Makes for neater gift-giving.

 

[SaintsInDome2006]

Do you need lollipops for the kids?

No, I have to see Mr. Potter.

 

[Nick Vermeil]

Was in the sperm bank on my way to work.  

 

[Slapdash]

I go fairly frequently in order to get large bills or foreign currency when my wife or I is about to travel.  We finally broke down and bought some checks instead of just going to get checks ad-hoc when rarely needed. Also used for notaries.  

But, I work for a bank so there is a branch in the lobby. I sometimes have visited the branch near my house and it is way way too busy.  That seems to be the strategy to drive people towards online/mobile banking

 

[Dan Lambskin]

Couple of weeks ago.  Had to deposit some cash.

 

[Slapdash]

Also go once a year to take my change in.

One thing I no longer ever go in for is check deposits.  Mobile app is so easy and my bank still makes you fill out a damn deposit slip for some reason (probably to make you deposit it using app)

 

[Don't Noonan]

Is bank another euphanism like wallet?

 

[Osaurus]

Safe deposit box visit.  Only time I go inside.

 

[jamny]

We had to go in to change accounts because of some fraudulent activity with a check. We sent a check to our nephew for his birthday and it wound up being cashed somewhere in Minnesota for over $2000. I seriously question whether it was an inside job at the post office. What are the chances it just happened to be accidentally sent to a house that knew how to counterfeit a check.  

 

[Courtjester]

Hadn't been inside one for years, but last week I needed a grand in cash and the ATM had a daily limit of like $500. 

 

[The Big Guy]

If I didn't work at one, I would never step foot inside of one either. Not sure the drive up should be separated from inside for this example. 

 

[eoMMan]

As others have said, only to get larger sums of cash. The ATMs I use dispense a max of $320 I think.

 

[jvdesigns2002]

It's rare that I go more than 2-3 weeks without going inside of a bank.   I wonder what SWC has to say about this topic.   

 

[In The Zone]

I can't remember. It's been at least 2 years. I may not go again until I buy another vehicle.

 

[KarmaPolice]

I must be the odd old fart.  If given the choice, I always go inside.

That said, I don't have to that much anymore but was just in about 2 weeks ago. 

 

[Wooderson]

As others have said, only to get larger sums of cash. The ATMs I use dispense a max of $320 I think.

Most often the ATM limit is set by you. I know I've changed mine a few time over the years. 

 

[eoMMan]

Most often the ATM limit is set by you. I know I've changed mine a few time over the years. 

Oh, interesting. I'll look into it. Thanks.

 

[Chemical X]

Branches will be obsolete in the not so distant future.  I know my bank is using locations less like formal banks used to be and much more like a catch all, 1 stop shop that will be almost fully automated.  the only reason branches exist is because some of our population (the elderly) are technology clueless.  branches are money loses, retail banking loses money and creates unnecessary expense (personnel).

 

[MindCrime]

As an offshoot of this, and modern convenience.... wife bought a new car yesterday. Doing all of the paperwork, guy asks for proof of insurance. Give him company name and policy number, then he asks for agents name. Not sure I've spoken to an actual human at my auto insurance for 15 years. I was like "uh..... does the website address work instead?" Had to call them just to speak with a woman, get her name, because the computer system wouldn't let it continue without a name of a real life person.

 

[Juxtatarot]

Branches will be obsolete in the not so distant future. 

They have been saying this since the 80s.  Surveys have shown that people like to live by a branch "just-in-case" even if they don't actually visit.   Some banks are even expanding their branch network.  I agree that this will eventually change, but I think we're still far away.

 

[mr roboto]

Closing on the sale of my old house, 1.5 years ago. Then about 4 months ago went in to open a business checking account. 

 

[saintfool]

about once a week or so. i'm usually the only customer when i go inside though.

 

[mr. furley]

We had to go in to change accounts because of some fraudulent activity with a check. We sent a check to our nephew for his birthday and it wound up being cashed somewhere in Minnesota for over $2000. I seriously question whether it was an inside job at the post office. What are the chances it just happened to be accidentally sent to a house that knew how to counterfeit a check.  

you sent a blank check?

 

[BobbyLayne]

There every day to make a business deposit. I could scan it in - did it that way 2004-11 - but I don't mind the ritual. Our local bank treats us very well and has helped us out with various issues over the years, so I don't mind the small investment in nurturing the relationship. 

For personal banking?? Maybe once or twice in the last twelve years? Can't even remember. I could be wrong but if you exclude opening an account, it's been maybe 16-17 years.

 

[jamny]

you sent a blank check?

Nope. Filled out with his name and dollar amount. They scanned it and changed the name and amount and reprinted the check. Very professionally done.

 

[mr. furley]

Nope. Filled out with his name and dollar amount. They scanned it and changed the name and amount and reprinted the check. Very professionally done.

damn. chances of that happening because the post office dropped it at the neighbor's house and they happened to be professional fraudsters seems infinitesimally small.

probably stolen by someone at the post office before it got out. file a report.

 

[jamny]

damn. chances of that happening because the post office dropped it at the neighbor's house and they happened to be professional fraudsters seems infinitesimally small.

probably stolen by someone at the post office before it got out. file a report.

Exactly what we thought. Especially since our nephew lives about 5 miles away in NY and the check was cashed in Minneapolis within a week of us sending it.

 

[hagmania]

Needed a check for rental deposit. That has been it for the past three years 

 

[George Jefferson Airplane]

Was in the sperm bank on my way to work.  

Withdrawal? 

 

[Christo]

I go in regularly because of my trust account.

 

[Capella]

Probably at least two years. Can do it all on my app. 

 

[Max Power]

I don't trust apps or electronics.  Anything important is worth doing in person.  I go about 6-7 times a year. 

 

[Binky The Doormat]

Branches will be obsolete in the not so distant future. 

They have been saying this since the 80s.  Surveys have shown that people like to live by a branch "just-in-case" even if they don't actually visit.   Some banks are even expanding their branch network.  I agree that this will eventually change, but I think we're still far away.




 

Banks are building branches all over our town.

 

[mquinnjr]

It's been years, and in the rare event I need a branch for a quick certified check I could request one expedited from my online savings (GS Bank) or go to one of the few Schwab branches near me to pick up a certified check in person on the fly. Other than that, everything can be done online and extremely easily. If I ever had a need to deposit a large sum of money, I'd pick up a post office money order for next to nothing, which clears almost instantly via online deposit. The minimal fee for that ad-hoc inconvenience is easily offset by ATM fee reimbursements on all ATM transactions, let alone 0 fees on anything other checking related feature.

 

[tjnc09]

Today.  Made a nice deposit  

 

[Judge Smails]

I go in regularly because of my trust account.

This.  Although I don't go regularly, I did have to do a lot of paperwork for the trust.  I will also go for larger withdrawals.

 

[Mr. Pickles]

Needed an absurdly large cashier's cheque.

 

[BassNBrew]

Branches will be obsolete in the not so distant future.  I know my bank is using locations less like formal banks used to be and much more like a catch all, 1 stop shop that will be almost fully automated.  the only reason branches exist is because some of our population (the elderly) are technology clueless.  branches are money loses, retail banking loses money and creates unnecessary expense (personnel).

Doubtful. There's a lot more going on inside than servicing the elderly

 

[Leroy Hoard]

My bank wanted me to take off my hat & sunglasses before entering. And then they closed my branch making me go to yet another ATM.

 

[The Big Guy]

Doubtful. There's a lot more going on inside than servicing the elderly

As in most things, people don't think that they need the live human help, but could be doing much better with a real interaction.  I am not knocking those who do e-banking only or have looked at the options out there well, but just know that you are in the minority of people.