Bank Of America This bank is charging fees to non customers to cash their own checks! Thousand Oaks California

is in the Updates section here.

Thank you.

Please 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web before you read SPYCHIP POEM. It will AWAKEN you, and allow you to understand the true meaning of that poem.

POWER TO THE PEOPLE

Rusty wrote:

"Yes, IT IS double dipping. There are NO exclusions written on the check stating its only good for face value only if deposited. The people don't want accounts because they see how easy it is to get screwed at BofA!"

True, you can also cash the check for face value at a place that does not charge a fee for the service. However, if you cash it at BofA and you don't have an account there you will be notified of the fee. At that point you may accept or decline. It's not double dipping because you have several options. You can deposit it at your bank, cash it at the grocery store or open an account at BofA. Hell, a lot of BofA account holders do not pay fees on their accounts so the double dipping theory flies out the window in those cases.



"Really? OK, you do the math here, Einstein. The following numbers have been reported by others here on this site for overdraft charges at different BofA branches. Now let's go back to 5th grade (or 11th grade if you went to public school) 19 dollars is what percent of 39 dollars? Still seem tiny to you?"

Yes, really. Let's look at the overdraft fees at five major banks

Bank of America: $19 fee for the first incident; $35 for the second through fourth incidents and $35 every subsequent incident that year.

https://www3.bankofamerica.com/efulfillment/documents/05-11-3000ED.20081201.htm

Wells Fargo: $25 for the first incident; $35 for every subsequent incident that year. They do have a teen account where the fees are only $15/incident but that turns into a regular account when the owner is of age.

https://www.wellsfargo.com/downloads/pdf/online_disclosures/FEE/EN/FII-CA-EN.pdf


Fifth Third: $25 on the first incident; $35 for the second through fourth incidents and $37 for every subsequent incident that year.

https://www.53.com/wps/portal/pv?New_WCM_Context=/wps/wcm/connect/FifthThirdSite/Personal/Checking+Accounts/Fifth+Third+Interest+Checking/


Washington Mutual (becoming Chase Bank): $27 for the first through fourth incidents and $35 for every subsequent incident that year.

https://www.wamu.com/NR/rdonlyres/E58D9C54-1024-49DE-878A-661CC5518942/0/OurFeesandFrees_original_060108.pdf

US Bank: $19 for the first incident; $35 for the second through fourth incidents and $37.50 for every subsequent incident that year.

https://fastapp.usbank.com/fastapp/en_us/termsAndConditions/serviceFees/servicesCurrent.jsp

As you can see, US Bank and BofA are cheaper tha the other banks for the first overdraft charge but they are all within a few dollars of each other and they all charge similar fees once an account holder hits the fifth fee. And yes, I do consider two to six dollars a tiny amount, especially when you consider the hundreds or even thousands of dollars worth of fees that some people rack up.

Rusty wrote:


"No insinuation necessary, EDGEMAN & ROBERT are a recurring theme! Here are the FACTS:

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? If you DON'T work for the bank, why the HUGE and constant interest in everyone elses issues with BofA?

In only 10 days, EDGEMAN & ROBERT have been in the following 10 threads (see below) in total support of a Bank that does not care about its customers, and have spread misinformation in an attempt to discredit disgruntled consumers, twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT:
(goes on to list other threads that I have posted in)


Now you're resorting to falsehoods. I have spread no misinformation and I have not attempted to discredit disgruntled customers. You are the one who is attempting to spread false information about me with that claim of yours. By the way, I replied to this childish behavior of yours in this thread:

http://www.ripoffreport.com/reports/0/438/ripoff0438207.htm

Once again, your situation was of your own making. By the way, are you going to start that class action lawsuit that you mentioned?

We've addressed this at length before. IF I were a BoA customer AND I give a customer, client, worker or employee one of my BoA checks, I don't expect BoA to charge that customer/client/worker or employee to cash one of my checks. HELL, that's what I PAY, GET CHARGED, BY BoA FOR. Sometime back, some "bank weenie" came up with the bright idea of charging "non-customer" to cash a check. That's DOUBLE DIPPING. Charging TWO people for the same transaction. Pretty smart. Pretty crooked. How about that bank in Chicago that was charging a couple of bucks for a customer to speak to a "live" teller. Remember when they came up with ATMs? That was gonna solve "the check problem". And what do those MF'ing bankers do? They start charging ATM fees. I wonder how much these banks rack up in ATM fees? Then comes the internet and internet banking. THAT was gonna solve the ATM problem. EVERYONE could get on their computer and do their banking. NOW, many banks charge a fee to send payment through the internet and THAT doesn't cost them anything. And what are they charging to expidite or make an overnight payment? $15 or more? Yeap, can't wait to see what some bank weenie will think up next.

you can hope that all you want, but until you change your financial management then you will continue to give your money to the bank.

SPYCHIP POEM

Our country's goin' crazy
Spychips are everywhere
They're on money and on cream cheese
Next in ladies underwear?

Where is Donald, where is Bridgette
Where is Tom and where is Peg
Gettin' Spychips in their arms
And in their feet and in their leg!

'Big Brother' keeps a snoopin'
Everyone must get a grip
Ouch, that hurts- please take it easy
Just inserted a big Spychip.

Stop that fussin' please sit still
Don't you move and never fidget
Spychips for every person
Including each and every midget.

We're a country of DECEPTION
We're a country based on LIES
It's a system goin' WHACKY
Puttin' Spychips in our thighs?

What's the reason- where's the logic
Puttin' Spychips on our money
Why are Spychips on our cream cheese
Kinda stupid and also funny!

I guess this poem's over
Tiny 'chips' are one big joke
It'll never ever happen
'Cause the USA is BROKE!

End.

Please 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web. Also support your PBS Stations, and watch only PBS News for your National, & Worldwide News each day.

POWER TO THE PEOPLE

More poems coming!

what's being pointed out is that these are not legitimate complaints. The check cashing fee for non-account holders is standard with all banks that I know of (by the way, banks set policies not branches). And it can be avoided by depositing the check into your account.
The OD/NSF fees are pretty standard among banks (biggest difference being the amount of each fee) and can be avoided by not overspending your available balance.

what's being pointed out is that these are not legitimate complaints. The check cashing fee for non-account holders is standard with all banks that I know of (by the way, banks set policies not branches). And it can be avoided by depositing the check into your account.
The OD/NSF fees are pretty standard among banks (biggest difference being the amount of each fee) and can be avoided by not overspending your available balance.

what's being pointed out is that these are not legitimate complaints. The check cashing fee for non-account holders is standard with all banks that I know of (by the way, banks set policies not branches). And it can be avoided by depositing the check into your account.
The OD/NSF fees are pretty standard among banks (biggest difference being the amount of each fee) and can be avoided by not overspending your available balance.

See Above:
It's not double dipping at all. Bank of America will pay the face value of that check when you deposit it in your own bank account. You're only charged the fee when you try to cash it at BofA while not having an account there. If you're so hot on cashing it at BofA, why not just open a free account there?

Yes, IT IS double dipping. There are NO exclusions written on the check stating its only good for face value only if deposited. The people don't want accounts because they see how easy it is to get screwed at BofA!

And NSF fees are more or less the same at major banks. They may differ by a tiny amount but not much.
Really? OK, you do the math here, Einstein. The following numbers have been reported by others here on this site for overdraft charges at different BofA branches. Now let's go back to 5th grade (or 11th grade if you went to public school) 19 dollars is what percent of 39 dollars? Still seem tiny to you?

...Anyways, what are you trying to insinuate?

No insinuation necessary, EDGEMAN & ROBERT are a recurring theme! Here are the FACTS:

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? If you DON'T work for the bank, why the HUGE and constant interest in everyone elses issues with BofA?

In only 10 days, EDGEMAN & ROBERT have been in the following 10 threads (see below) in total support of a Bank that does not care about its customers, and have spread misinformation in an attempt to discredit disgruntled consumers, twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT:

Bank Of America How do they sleep at night?
Edgeman

Bank Of America This bank is charging fees to non customers
Edgeman

Bank Of America Unfair excessive (over 15) overdraft fees
Edgeman & Robert

Bank Of America taking bogus overdraft fees Woodstock Georgia
Edgeman & Robert

BofA - Visa BofA - Visa simply closed my 'good standing' acct
Edgeman

Bank Of America No Wonder They Don't Need Bail Out
Robert

BANK OF AMERICA WILL STEAL YOUR MONEY (THOUSANDS)
Robert

Bank Of America Steals Money For Their Own Gain
Edgeman & Robert

Bank Of America Bank of America is taking bogus overdraft fees ~ Marietta Georgia
Edgeman

Bank Of America ,n**i's Bank of America lower limit for no reason!!!!
Edgeman & Robert

See Above:
It's not double dipping at all. Bank of America will pay the face value of that check when you deposit it in your own bank account. You're only charged the fee when you try to cash it at BofA while not having an account there. If you're so hot on cashing it at BofA, why not just open a free account there?

Yes, IT IS double dipping. There are NO exclusions written on the check stating its only good for face value only if deposited. The people don't want accounts because they see how easy it is to get screwed at BofA!

And NSF fees are more or less the same at major banks. They may differ by a tiny amount but not much.
Really? OK, you do the math here, Einstein. The following numbers have been reported by others here on this site for overdraft charges at different BofA branches. Now let's go back to 5th grade (or 11th grade if you went to public school) 19 dollars is what percent of 39 dollars? Still seem tiny to you?

...Anyways, what are you trying to insinuate?

No insinuation necessary, EDGEMAN & ROBERT are a recurring theme! Here are the FACTS:

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? If you DON'T work for the bank, why the HUGE and constant interest in everyone elses issues with BofA?

In only 10 days, EDGEMAN & ROBERT have been in the following 10 threads (see below) in total support of a Bank that does not care about its customers, and have spread misinformation in an attempt to discredit disgruntled consumers, twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT:

Bank Of America How do they sleep at night?
Edgeman

Bank Of America This bank is charging fees to non customers
Edgeman

Bank Of America Unfair excessive (over 15) overdraft fees
Edgeman & Robert

Bank Of America taking bogus overdraft fees Woodstock Georgia
Edgeman & Robert

BofA - Visa BofA - Visa simply closed my 'good standing' acct
Edgeman

Bank Of America No Wonder They Don't Need Bail Out
Robert

BANK OF AMERICA WILL STEAL YOUR MONEY (THOUSANDS)
Robert

Bank Of America Steals Money For Their Own Gain
Edgeman & Robert

Bank Of America Bank of America is taking bogus overdraft fees ~ Marietta Georgia
Edgeman

Bank Of America ,n**i's Bank of America lower limit for no reason!!!!
Edgeman & Robert

See Above:
It's not double dipping at all. Bank of America will pay the face value of that check when you deposit it in your own bank account. You're only charged the fee when you try to cash it at BofA while not having an account there. If you're so hot on cashing it at BofA, why not just open a free account there?

Yes, IT IS double dipping. There are NO exclusions written on the check stating its only good for face value only if deposited. The people don't want accounts because they see how easy it is to get screwed at BofA!

And NSF fees are more or less the same at major banks. They may differ by a tiny amount but not much.
Really? OK, you do the math here, Einstein. The following numbers have been reported by others here on this site for overdraft charges at different BofA branches. Now let's go back to 5th grade (or 11th grade if you went to public school) 19 dollars is what percent of 39 dollars? Still seem tiny to you?

...Anyways, what are you trying to insinuate?

No insinuation necessary, EDGEMAN & ROBERT are a recurring theme! Here are the FACTS:

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? If you DON'T work for the bank, why the HUGE and constant interest in everyone elses issues with BofA?

In only 10 days, EDGEMAN & ROBERT have been in the following 10 threads (see below) in total support of a Bank that does not care about its customers, and have spread misinformation in an attempt to discredit disgruntled consumers, twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT:

Bank Of America How do they sleep at night?
Edgeman

Bank Of America This bank is charging fees to non customers
Edgeman

Bank Of America Unfair excessive (over 15) overdraft fees
Edgeman & Robert

Bank Of America taking bogus overdraft fees Woodstock Georgia
Edgeman & Robert

BofA - Visa BofA - Visa simply closed my 'good standing' acct
Edgeman

Bank Of America No Wonder They Don't Need Bail Out
Robert

BANK OF AMERICA WILL STEAL YOUR MONEY (THOUSANDS)
Robert

Bank Of America Steals Money For Their Own Gain
Edgeman & Robert

Bank Of America Bank of America is taking bogus overdraft fees ~ Marietta Georgia
Edgeman

Bank Of America ,n**i's Bank of America lower limit for no reason!!!!
Edgeman & Robert

See Above:
It's not double dipping at all. Bank of America will pay the face value of that check when you deposit it in your own bank account. You're only charged the fee when you try to cash it at BofA while not having an account there. If you're so hot on cashing it at BofA, why not just open a free account there?

Yes, IT IS double dipping. There are NO exclusions written on the check stating its only good for face value only if deposited. The people don't want accounts because they see how easy it is to get screwed at BofA!

And NSF fees are more or less the same at major banks. They may differ by a tiny amount but not much.
Really? OK, you do the math here, Einstein. The following numbers have been reported by others here on this site for overdraft charges at different BofA branches. Now let's go back to 5th grade (or 11th grade if you went to public school) 19 dollars is what percent of 39 dollars? Still seem tiny to you?

...Anyways, what are you trying to insinuate?

No insinuation necessary, EDGEMAN & ROBERT are a recurring theme! Here are the FACTS:

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? If you DON'T work for the bank, why the HUGE and constant interest in everyone elses issues with BofA?

In only 10 days, EDGEMAN & ROBERT have been in the following 10 threads (see below) in total support of a Bank that does not care about its customers, and have spread misinformation in an attempt to discredit disgruntled consumers, twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT:

Bank Of America How do they sleep at night?
Edgeman

Bank Of America This bank is charging fees to non customers
Edgeman

Bank Of America Unfair excessive (over 15) overdraft fees
Edgeman & Robert

Bank Of America taking bogus overdraft fees Woodstock Georgia
Edgeman & Robert

BofA - Visa BofA - Visa simply closed my 'good standing' acct
Edgeman

Bank Of America No Wonder They Don't Need Bail Out
Robert

BANK OF AMERICA WILL STEAL YOUR MONEY (THOUSANDS)
Robert

Bank Of America Steals Money For Their Own Gain
Edgeman & Robert

Bank Of America Bank of America is taking bogus overdraft fees ~ Marietta Georgia
Edgeman

Bank Of America ,n**i's Bank of America lower limit for no reason!!!!
Edgeman & Robert

"Nfj is right, they're double-dipping and its a blatant ripoff! Do Not buy into the stoolies going on about how 'you're not the customer' thats pure horse squeeze.

BTW, not every branch does this, I do not think mine does. I have heard of others that do...Note also that NSF fees are different everywhere - its all just made up numbers, price dujour, what can we get over on 'em, junk."

It's not double dipping at all. Bank of America will pay the face value of that check when you deposit it in your own bank account. You're only charged the fee when you try to cash it at BofA while not having an account there. If you're so hot on cashing it at BofA, why not just open a free account there?

And NSF fees are more or less the same at major banks. They may differ by a tiny amount but not much.

"NOTE the unusual number of commentors in every single thread standing up for the bank left and right here...Don't you think its odd that there are so many folks who are *so happy* with BofA's behavior, that they take the time to come here and put the people with legitimate gripes down or poo-poo their claims?"

There actually aren't that many. There are far more people posting false ripoff reports and going so far as to claim rape and theft. Anyways, what are you trying to insinuate?

"This a major scam, being perpetrated by this if not many banks, and there are hords of people being paid to refute its existance. Wake Up America! We're All Socialists Now!!!"

Who is being paid by the banks? And what you describe isn't socialism.

"So, hows that 'hope' and 'change' working out for you? Me, I just HOPE the bank stops stealing my CHANGE!!!!"

I am actually surprised that so many people fell for that "hope and change" rhetoric.

is posted here in the Updates section.

After reading one of the Updates here that said we're getting the 'shaft', I keep hearing the song from the movie 'Shaft' in my head.

There's a chance that SHAFT POEM could appear in the coming days, or weeks. Another poem that will appear is SPYCHIP POEM. Believe it or not, back in the 1960's there was a Katherine Albrecht in one of my grade-school classes.

Hey Katherine Albrecht, author of the book titled- 'SPYCHIPS', did you go to a grade-school on Middle Road, in Glenshaw, Pennsylvania back in the late 1960's?

Wouldn't that be something if the author of 'SPYCHIPS' was the same Katherine Albrecht that was in my grade-school class back in the late 1960's?

Coming soon- SPYCHIP POEM.

In order to prepare for 'SPYCHIP POEM', please 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web. Pay close attention to what Katherine Albrecht, a Harvard graduate, says about these 'chips', & how they could be used in the future.


POWER TO THE PEOPLE

Nfj is right, they're double-dipping and its a blatant ripoff! Do Not buy into the stoolies going on about how "you're not the customer" thats pure horse squeeze.

BTW, not every branch does this, I do not think mine does. I have heard of others that do...Note also that NSF fees are different everywhere - its all just made up numbers, price dujour, what can we get over on 'em, junk.

NOTE the unusual number of commentors in every single thread standing up for the bank left and right here...Don't you think its odd that there are so many folks who are *so happy* with BofA's behavior, that they take the time to come here and put the people with legitimate gripes down or poo-poo their claims?

This a major scam, being perpetrated by this if not many banks, and there are hords of people being paid to refute its existance. Wake Up America! We're All Socialists Now!!!

So, hows that "hope" and "change" working out for you? Me, I just HOPE the bank stops stealing my CHANGE!!!!

you cut out a bunch of coupons before you went to the grocery store, and when you handed them to the check-out clerk you were told that the $1.00 coupon was only worth .90 cents.

That wouldn't be right, correct?

If the check that is written on a 'Bank of America' account has the funds available, then BOA should cash it for the TOTAL AMOUNT, right?

When you buy a gallon of milk you should get a gallon, correct? The grocery store doesn't take out 2 ounces, do they?

When you OVER-PAY the government and you get a TAX refund, they give you the TOTAL amount back, correct? They don't take out an extra fee for themselves, do they?

When a CEO of a bank, like Citigroup, makes $10.8 MILLION in compensation for a year, like Vikram Pandit did in 2008, he should be able to receive all $10.8 MILLION if it's a one time check, and it has the appropriate amount in the bank with which it was drawn, correct?

Let's face it- CEO's probably don't pay fees on their paychecks, right? So why should we?

Vikram Pandit is the CEO of Citigroup, and his compensation was $10.8 MILLION as reported in a CNNMoney.com article a couple of weeks ago.

I'm glad Citigroup received TAXPAYER'S money ('TARP') because it probably allowed Vikram Pandit's paycheck to clear, wouldn't you agree?

More poems coming!

the check is redeemable for face value by depositing it into your bank account. If you chose to conduct business at a bank that you are not a company of then you pay the service fee. If I shop at a member's only store I have to either buy a membership or pay a non member fee. If you want to get the full value of your check, take it to your bank or ask your employer if they do direct deposit, then it goes directly into your account and you don't have to worry about cashing the check or any fees associated with it.

Choosing not to do business with BoA is exactly the problem - I can choose not to have an account, but the payroll check is still drawn from BoA. If I want to "redeem" that paycheck without depositing it in another bank, they nail me with the $6 fee. But wait - aren't they already making money from the huge (university) payroll accounts kept at their institution? Hasn't that already more than paid for the "cost of the teller time" to give me my money from the check drawn on them? The check is effectively no longer redeemable for face value; banks have been allowed to charge for the privilege of getting MY money from them promised to me by their customer, my employer. They are taking a cut from both ends, and we should reform banking laws to stop this practice.

Choosing not to do business with BoA is exactly the problem - I can choose not to have an account, but the payroll check is still drawn from BoA. If I want to "redeem" that paycheck without depositing it in another bank, they nail me with the $6 fee. But wait - aren't they already making money from the huge (university) payroll accounts kept at their institution? Hasn't that already more than paid for the "cost of the teller time" to give me my money from the check drawn on them? The check is effectively no longer redeemable for face value; banks have been allowed to charge for the privilege of getting MY money from them promised to me by their customer, my employer. They are taking a cut from both ends, and we should reform banking laws to stop this practice.

Choosing not to do business with BoA is exactly the problem - I can choose not to have an account, but the payroll check is still drawn from BoA. If I want to "redeem" that paycheck without depositing it in another bank, they nail me with the $6 fee. But wait - aren't they already making money from the huge (university) payroll accounts kept at their institution? Hasn't that already more than paid for the "cost of the teller time" to give me my money from the check drawn on them? The check is effectively no longer redeemable for face value; banks have been allowed to charge for the privilege of getting MY money from them promised to me by their customer, my employer. They are taking a cut from both ends, and we should reform banking laws to stop this practice.

Choosing not to do business with BoA is exactly the problem - I can choose not to have an account, but the payroll check is still drawn from BoA. If I want to "redeem" that paycheck without depositing it in another bank, they nail me with the $6 fee. But wait - aren't they already making money from the huge (university) payroll accounts kept at their institution? Hasn't that already more than paid for the "cost of the teller time" to give me my money from the check drawn on them? The check is effectively no longer redeemable for face value; banks have been allowed to charge for the privilege of getting MY money from them promised to me by their customer, my employer. They are taking a cut from both ends, and we should reform banking laws to stop this practice.

was on TV Friday evening, the- QUOTE: 'Total taxpayer outlay since March 2008 has been $5.32 TRILLION.' (end quote)

That's a lotta dough in just ONE YEAR, huh?

They showed all the stimulus plans, housing plans, bail-outs, etc., etc., and derived at that $5.32 TRILLION figure.

I believe that AIG received 3 separate CASH INFUSIONS of $85 BILLION, $65 BILLION, & $30 BILLION, according to their chart.

I believe Citigroup receved about $147 BILLION in TAXPAYER'S money too, according to their chart.

I believe that there was a 'TARP' amount of $700 BILLION, and a stimulus package of $787 BILLION, according to their chart.

I believe they showed the total that the FED had outlayed for housing was about $2.9 TRILLION!!!!

And there were others, like the $30 BILLION of TAXPAYER'S money that Ben Bernanke handed over to BlackRock Inc. in regards to the Bear Stearns COLLAPSE last year. I believe you can still 'Google' this- BERNANKE BEAR AND THE $30 BILLION QUESTION, and you can read that article.

It's interesting that Ben Bernanke would hand over $29 BILLION of that $30 BILLION to BlackRock Inc. because just 3 months PRIOR to this occuring BlackRock Inc. evidentally couldn't pay their investors who wanted their money, huh?

I'm sure everyone has 'Googled' this and read it- BLACKROCK RISE DESPITE FROZEN FUND, and read the December 26th 2007 article, huh?

Hmm, BlackRock Inc. didn't have enough in the fund to pay the investors and 3 months later Ben Bernanke handed them $29 BILLION in TAXPAYER'S money???

Oh well, I guess that's just- BUSINESS IN AMERICA, huh?

WELCOME TO AMERICA- IN FRAUD WE TRUST!

More poems coming!

POWER TO THE PEOPLE

I GOT A CHECK FOR CONTRACT WORK AND I TOOK IT TO THE LOCAL BANK.

I DON'T BELIEVE IN HAVING A BANK ACCOUNT AND SO I HAD NO ACCOUNT THERE.

I LEARNED CHARGING A FEE IS STANDARD PRACTICE FOR BANKS. IF YOU DO NOT HAVE AN ACCOUNT THERE, IT'S ANOTHER WAY TO MAKE MONEY.

I HAVE NO PROBLEM WITH THAT.

BANKS ARE IN BUSINESS TO MAKE MONEY AND IF THE FEE DOESN'T EXCEED THE AMOUNT OF THE CHECK, I AM COOL WITH IT.

IF IT HAD NOT BEEN A PERSONAL CHECK, I WOULD HAVE TAKEN IT TO MY FAVORITE CHECK CASHING STORE WHERE I PAY ONE PERCENT OF THE ENTIRE AMOUNT OF THE CHECK.

IF YOU HAVE COMPLAINTS ABOUT A BANK, TAKE YOUR MONEY OUT!

It's a sign that you don't have a coherent argument.

"Hello, THE BANKS CUSTOMER wants to use THEIR BANKS service to pay someone. It doesn't matter if the receiver doesn't have an account at the bank."

Yes, it does. As an account holder, I do not want to wait in line while a bunch of people who don't even have accounts there are slowing things down to get their checks cashed. The bank handles the account owner's transactions per their account agreement. The bank does not have an agreement with non-account holders to cash their checks for free nor are they obligated to.

"Someone from their bank made a promise for funds with the check, and wants the bank, which they are a customer of to fulfill that promise."

And when that check is presented for payment, the bank will pay it. Promise fulfilled.

"They don't want the bank to make more money off of them."

I personally don't care so long as the checks that I wrote are paid. In fact, I don't even think about how the checks are presented.

"It's totally unfair and total BS."

What's unfair and BS is having a bunch of people slow down the line while I have to wait to conduct business with the bank and I'm the paying customer.

"Anyone who agrees to a check cashing fee, from a bank where the check is drawn, is a complete moron. Enough said."

Another sign that you do not have a valid argument. Keyboard courage?

"Grow a sense of right vs wrong sheeple."

There's nothing wrong with charging a fee for non-account holders. It's still cheaper than those check cashing places... now those rates are wrong!

To all you people making comments to this guy like you agree with bank check cashing fees, you guys are plain old stupid. They're providing you a service? Hello, THE BANKS CUSTOMER wants to use THEIR BANKS service to pay someone. It doesn't matter if the receiver doesn't have an account at the bank. Someone from their bank made a promise for funds with the check, and wants the bank, which they are a customer of to fulfill that promise. They don't want the bank to make more money off of them. It's totally unfair and total BS. The banks just try to make even more money by doing this and having all their BS fees. Anyone who agrees to a check cashing fee, from a bank where the check is drawn, is a complete moron. Enough said. Grow a sense of right vs wrong sheeple.

DIGIT POEM

Our new neighbors moved in
The wife's first name is Bridgette
They have two kids & a dog
And the husband's a midget.

Invited them over for dinner
Watched a movie- they liked 'Gidget'
Told him I was a poet & a painter
He said he worked for ACME Widget.

One of the kids started fussin'
The other one started to fidget
Took 'em to Dairy Queen for a treat
Had to pay 'em in DIGITS!

They brought us some cookies & flowers
Home-baked cookies by Bridgette
Got the flowers at Walmart
Probably cost 'em 10 DIGITS!

I really like our new neighbors
His name is Donald- hers Bridgette
She's 4' 9, he's much shorter
I think that Donald's a midget.

Time to end this short poem
Gotta go work & make DIGITS
Shiny Happy People all over
Some even married to midgets!

End.

Make sure to 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web. There's a segment about how our country might be headed to a monetary system based ENTIRELY on DIGITS!!!

That's right! DIGITS!!!

QUOTE: 'Gold & Silver SHINE.....................shiny HAPPY people holding hands................shiny HAPPY people laughing..............shiny HAPPY people' - R.E.M.

POWER TO THE PEOPLE

Cashing checks for non-customers leaves the bank wide open for fraudulent activities. So, you have a Wells Fargo account? Great, go to your own bank to cash your checks, unless you have such a poor relationship with Wells Fargo that they won't cash a $40 check for you.

Most banks offer checking account products that have no minimum balance requirements and no service fees, open up an account at that bank and cash the checks for free. If not, go to your own d**n bank and bother those people.

No account = no relationship with that bank. If you don't want a relationship with the bank you are cashing a check for, why should that bank care about you? You aren't their customer, and bank employees spend enough of their time dealing with ignorant customers all day there's no time left to deal with ignorant non-customers. Go to the bank you maintain a relationship with or go to a shady check cashing facility where they can charge anywhere from 5%-10% (or more) from the check you are cashing.

'The News Hour with Jim Lehrer' last evening? It had a segment about how things work at the banks, specifically at the Federal Reserve, & other Central Banks.

We now live in a a world where money has simply become 'DIGITS' that are entered into computers by companies like the Federal Reserve. The segment actually added more credence to Aaron Russo's documentary entitled- AMERICA: FREEDOM TO FASCISM (you can 'Google' it & watch it on the web!)

There's a great part in that documentary where a man goes to order a pizza on his way home from work on his cell phone. You should watch it & you'll understand what the USA, & the rest of the world is becoming.

There was another segment where small computer chips were being placed on cartons of 'Philadelphia Cream Cheese' in order to 'monitor' people's buying habits, or perhaps to monitor other things? A Harvard graduate named Katherine Albrecht was interviewed & revealed some very INTERESTING things!!!

I'll bet that the government likes the fact that things are being digitized, huh? I wonder if there could be tiny cameras in all of those 'digital converter boxes' that are required to access digital T.V.?

Imagine sitting in your underwear, watching 'The Deadliest Catch' on the Discovery Channel', or even a show on a free channel, & someone at the government is WATCHING YOU!!! It is possible, isn't it? Heck, if a Senator from Idaho can be 'snooping' into a bathroom stall at a Minneapolis Airport looking for 'companionship', then ANYTHING'S possible, wouldn't you agree?

'Google' this- SEN CRAIG LOSES APPEAL IN AIRPORT SEX STING CASE, and read it!

Then go to www.9news.com and type in- NEW WARRANT SERVED IN CONNECTION TO PROSTITUTION RING, and read the March 20th Article about our wondeful so-called 'leaders'. It's the Article where Microsoft Corporation was served a 'SEARCH WARRANT' in regards to that PROSTITUTION RING that catered to- QUOTE: 'prominent clients including JUDGES, LAWYERS, BUSINESSMEN, ATHLETES, and POLITICIANS.'

Oh well, time to think up another poem.

Have a nice day, & good luck to you!

Coming soon- DIGIT POEM

The link of the report you posted was from June 12th, 2001(it's 2009 if you haven't noticed). It has been very common practice for the last several years(at least) for NON-Account holders to be charged a Check Cashing Fee.

Oh, by the way...Wells Fargo has the same charge.

If you are a "Non-Account Holder" they are providing you a service to cash the check. Yes it may be drawn on their bank, but you(the one cashing the check) is a non-customer. Some banks are worse than others, I have heard anywhere from about $4 to $10, but $5-$6 seems to be about the average. Now, are there banks that don't charge this fee..probably but all the major ones I am aware of do.

You have a choice. Open up an account at BofA, Cash the Check at BofA and pay the fee, go to a Check Cashing Place and pay the fee, or deposit the check into your own account at Wells Fargo. The choice is yours.

Most banks charge a fee to cash a check if you don't have an account with them. This is not new, nor is it a ripoff. Your paying for a service that they are providing.

What surprises me is that you state that you have an account at Wells Fargo. Why would you take the check to BofA when you could cash it at WF for no charge (and without have to give your thumbprint)? You seem to have gone out of your way to pay a check cashing fee and endure this "ordeal".

I think just about all banks now charge for cashing checks drawn on their customer's bank account. I wonder if it would be easier to go to a check cashing place to cash checks? The funny thing is that if you deposited the check in your bank account, your bank might put a 10 day hold on the check to give it time for it to clear.

Ordeal? Criminal? Are you serious?

By the way, Wells Fargo also has a check cashing fee. Are they criminals as well?