Banks Accounts Policies

Back in 2001 I banked with BB&T bank, everything was great till the day they misdeposited my pay check into another account. I sure everyone knows what happen afterward. Right! Well once those nice little notices started coming in from the bank, I visit the location of the last deposit. I told the accounts manager what the problem was, showed her my deposit slip. She checked her computer and saw that my last deposit wasn't listed. So she took the slip and copied all the teller info off it. While I waited in the lobby she searched through the roll of tape till she found the mistake.

She credited me for all the fees that the bank had charge me, well so I thought. We all know that they don't help you to pay the fees where you wrote the checks, do they. It took about a month to get all the checks repaid at the store. I close my account few weeks later.

About a month after I close my account BB&T tried to recharge me for those checks. Which I had no plans on paying them back, since it wasn't my fault. Sometime later they reported my account to Check Systems. Once they do that every bank will know that you have either a few bad checks still out or you have outstanding banks fees. This report remains for five to six years. This is the reason why some people get turn down for checking accounts.

I tried last year to open an account at First Citizens Bank, which in my local area is also known as First Criminal, since they have some very strange banking policies. I was turn down for this account due to the report on file at Checks Systems. Yes I was piss off, since these account manager have the power if they like to override it and open the account. Example would be you win the lottery and need to open account. They would open the account no question asked.

So Friday I finally got my check from my settlement from a personal matter. The check was drawn off of First Citizens so I chose to open an account there since I would need some cash too. This time the lady was able to open the account for me. So I have another Checking Account.

These days the banks make it so hard to cash a check.

Some want the following.

1. Finger print
2. Three forms of ID, by the way your SSN card doesn't card, but a Credit card does???

I firmly believe the banks are the roots of all evil.