Saturday, May 3, 2008
Oops, I have to prove myself


Yesterday I decided I would stop playing tourist and start doing the things I flew out here to do. First on the list was getting a Maryland bank account. Greg had gathered the names of the various banks and we had checked them out online. We narrowed it down to a couple. I went in bank #1 yesterday and explained I had questions about their checking accounts. I am led into the office of gal who probably made minimum wage.

Me: Do you charge for debit card usage?

Home-girl: Debits cards are only given after you’ve “proven” yourself.

Me: “Proven” yourself? How does one “prove” their selves?

Home-girl: You have to go at least 60 days without bouncing a check, and then we “may” consider giving you one.

Me: I haven’t bounced a check in at least 20 years. Isn’t there someway we can forgo the 60 days?

Home-girl: I don’t reckon so. I don’t know of no-body who was able to “prove” their selves before 60 days.

Me: How do you deposit your paychecks after hours then? And what about ATM usage? I just don’t know how I could survive without my ATM debit card.

Home-girl: Oh no, I wouldn’t use the ATM to deposit your check if I was you. It could take 3 or 4 days at least before your check would hit your account if you put it in the ATM. We don’t even check the ATM box everyday.

Me: ATM box? Isn’t it electronic? You mean you hand enter deposits?

Home-girl: We have to verify them before we deposit them to your account. We can’t take your word that the check is good.

Me: Even a weekly payroll check?

Home-girl: Especially a payroll check.

Me: What about free checking?” Do you have that?

Home-girl: Oh it’s not free; you have to deposit a minimum of $50 to open a checking account.

Me: I understand minimum deposits, but are any service fees associated with your checking accounts?

Home-girl: Yes, you have to have a minimum deposit of $50 to open a checking account.

Me: AAGGHHHHH!!!
 
posted by Daisy Martin at 7:36 AM | Permalink |


6 Comments:


  • At May 3, 2008 at 9:24 AM, Anonymous ern

    It's comforting (?) to learn that banks/tellers are the same in the East as they are in the Midwest LOL

     
  • At May 3, 2008 at 9:49 AM, Blogger Mindy

    Oh my goodness. I'm not sure I wouldn't have strangled her on the spot.

     
  • At May 3, 2008 at 4:04 PM, Blogger MarkD60

    Find another bank.

     
  • At May 5, 2008 at 4:43 AM, Blogger Oopsy Daisy

    Ern it's like it's another country here, and a third-world one at that!

    I was tempted Mindy. LOL

    Mark they are all backwards. You've been here, you know. They call going over the Bay Bridge "going overseas" and freak out the few times in their lives that they have to go "overseas".

     
  • At May 5, 2008 at 2:46 PM, Blogger Dorothy Thompson

    Hey, you HAVE moved!!! Salisbury? I'll check out your blog...I'm sure it's here somewhere. But don't even let me begin to tell you what idiots live on the east coast. I can say that.....I am one! haha

     
  • At May 5, 2008 at 2:48 PM, Blogger Dorothy Thompson

    "Mark they are all backwards. You've been here, you know. They call going over the Bay Bridge "going overseas" and freak out the few times in their lives that they have to go "overseas"."

    Dah-um. We call it going "across the bay." Is that what you meant, lol? And boy are you getting a good dose of living on the shore. Better stick with computers and close the doors. ;o)