Bounced Check Fees and Other Things That Don’t Make Sense

My bank recently charged me $38.50 for bouncing a check when I thought it was fairly obvious I didn’t have any money in the first place. Clearly, they do not understand cash flow, which is a bit naughty, considering they go by the name BANK.

Surely, I told the teller lucky enough to answer the phone, it would make sense for banks to consider repayment in something other than money for those who don’t have any.

I referenced the restaurant industry and their forward-thinking ‘wash dishes’ campaign.

“Do you have a canteen?” I asked.

“A canteen?”

“Yes, I thought perhaps I could pop down, say, between 2 to 4 p.m., and wash a few dishes? I could probably do a set of 12 dinner-sized plates and a handful of smaller, appetizer ones if things aren’t really caked on. There’s also a chance I could tackle some coffee mugs barring any lipstick stains in glaring colors. I’m quite put off by vibrant lips.”

“Mam?”

“You know, to work off the $38.50.”

I sensed a bit of eye rolling on her part, but can’t confirm.

“Perhaps a basket of baked treats then? Are there any allergies in the office?”

I tried a new approach.

“What exactly is the $38.50 charge for?” I asked.

“It’s for our time. Processing paperwork, etc.,”

“And by etc., do you mean vodka shots?”

“Have I addressed all your questions and concerns today?”

“Hardly!” I replied. “We haven’t even touched on the Ivory-Billed Woodpecker. That’s a very big concern of mine. It’s so endangered, it may have actually become extinct while we’ve been on the phone. Heartbreaking stuff. Oh, and the plight of Aboriginal culture. Another biggie. So no, I guess you really haven’t addressed all my concerns today. Let’s just call this even, huh?”

“Have a nice day, mam.”

Click.

But don’t worry, BANK! I will be calling back tomorrow to apply for a job. You’re charging $38.50 for about 10 minutes of your time. If my calculations are correct, that means your tellers are making $231 an hour, plus or minus a few vodka shots.

That should help my finances.

After all, what do you think? Money grows on trees?

 

How about you? Is there something that just doesn’t make sense to you?

 

**disclaimer** All conversations documented on this blog are with live customer service representatives or unicorns, depending on who is available at the time.

 

 

2 Comments
  • Cyndie Widmer
    January 18, 2016

    LOVE the bank story! And it’s SO TRUE! Your mind is an endless maze of creative thinking. I think we need to put your brain to work on some bigger issues, like campaign finance reform, unemployment or world peace! Thanks for the laughs…

    • rampersl123
      January 31, 2016

      Thanks for the comments, Cyndie. But my brain doesn’t work that big! Someone else will have to tackle world peace.

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