- Joined
- Apr 3, 2004
- Messages
- 33,852
nowadays,am i the only person that don''t do their banking online?...
- Thread starter Dancing Fire
- Start date
- Status
somethingshiny
Ideal_Rock
- Joined
- Jul 22, 2007
- Messages
- 6,746
Porridge
Ideal_Rock
- Joined
- Oct 27, 2008
- Messages
- 3,267
rierie26
Shiny_Rock
- Joined
- Apr 20, 2009
- Messages
- 342
fieryred33143
Ideal_Rock
- Joined
- May 18, 2008
- Messages
- 6,689
tlh
Ideal_Rock
- Joined
- Dec 31, 2008
- Messages
- 4,508
sctsbride09
Brilliant_Rock
- Joined
- Sep 3, 2008
- Messages
- 555
- Joined
- Apr 3, 2004
- Messages
- 33,852
NewEnglandLady
Ideal_Rock
- Joined
- Jul 27, 2007
- Messages
- 6,299
Neither my parents nor DH''s parents have ATM cards. They both go to the bank once a week to deposit their checks and withdraw money for the week.
DH does have an ATM card (for his account, not the joint account), but doesn''t have direct deposit or online banking. He won''t go to the bank for months at a time, so he always has about 10 checks to deposit at once. That would drive me nuts.
DH does have an ATM card (for his account, not the joint account), but doesn''t have direct deposit or online banking. He won''t go to the bank for months at a time, so he always has about 10 checks to deposit at once. That would drive me nuts.
bebe
Ideal_Rock
- Joined
- Nov 20, 2007
- Messages
- 2,845
- Joined
- Jul 15, 2005
- Messages
- 5,394
purrfectpear
Ideal_Rock
- Joined
- Mar 31, 2008
- Messages
- 4,079
isaku5
Ideal_Rock
- Joined
- Aug 15, 2005
- Messages
- 3,296
It took me a long time to start banking online, but when my bank assured me (online and) in person that it would assume all risks, and reimburse me as well, I made the decision to try it over a year ago. I must say that it''s so much easier and faster that I''ll never go back to writing cheques unless I have to.
When I withdraw cash, I visit my branch so that I can maintain a personal connection as well. I do have an ATM card though.
When I withdraw cash, I visit my branch so that I can maintain a personal connection as well. I do have an ATM card though.
Bella_mezzo
Ideal_Rock
- Joined
- Aug 19, 2009
- Messages
- 5,760
- Joined
- Dec 17, 2008
- Messages
- 27,586
PinkTower
Brilliant_Rock
- Joined
- Mar 15, 2009
- Messages
- 1,129
I pay bills online.
I go into the bank often for cash and certified checks and depositing funds into my college kid''s account in another state.
ATM''s don''t give me enough change; I have to go inside to get bills other than $20''s.
If you give a teenager a twenty, you will never see the change.
Also, going inside business establishments and banks is a social activity here. I live in a small town.
If I lived in a city, I would not go inside a bank nearly as often.
I go into the bank often for cash and certified checks and depositing funds into my college kid''s account in another state.
ATM''s don''t give me enough change; I have to go inside to get bills other than $20''s.
If you give a teenager a twenty, you will never see the change.
Also, going inside business establishments and banks is a social activity here. I live in a small town.
If I lived in a city, I would not go inside a bank nearly as often.
- Joined
- Apr 3, 2004
- Messages
- 33,852
Haven
Super_Ideal_Rock
- Joined
- Feb 15, 2007
- Messages
- 13,166
I have an ATM card but I rarely use it.
I pay most of our bills with paper checks. I walk our mortgage payment into the bank (our lender''s bank, that is) each month because physically going in and paying it helps me stay on top of our budget and savings goals each month. I can''t wait to pay off that mortgage!
I pay most of our bills with paper checks. I walk our mortgage payment into the bank (our lender''s bank, that is) each month because physically going in and paying it helps me stay on top of our budget and savings goals each month. I can''t wait to pay off that mortgage!
MissMina
Brilliant_Rock
- Joined
- Aug 17, 2009
- Messages
- 734
studyer83
Shiny_Rock
- Joined
- Dec 6, 2007
- Messages
- 122
radiantquest
Ideal_Rock
- Joined
- Jul 20, 2008
- Messages
- 2,550
- Joined
- Aug 12, 2005
- Messages
- 19,412
I pay some bills online and have the option of banking online but don't. I only use my debit card for purchases, instead of withdrawing cash randomly I prefer to get cash from my bank when I make deposits (my employers don't offer direct deposit). I refuse to pay ATM fees to withdraw my own money, as there are not a ton of branches of my bank around.
My mom has no idea how to use her debit/ATM card. She didn't have a checking account or a credit card until 5 years ago. My parents were sort of stuck in the 1950's in regard to gender roles until my dad got sick. I don't think my dad knows what an ATM card is.
My mom has no idea how to use her debit/ATM card. She didn't have a checking account or a credit card until 5 years ago. My parents were sort of stuck in the 1950's in regard to gender roles until my dad got sick. I don't think my dad knows what an ATM card is.
- Joined
- Sep 19, 2004
- Messages
- 2,547
DF ....
You....
are.....
not.....
alone!
I don''t have a ATM card either; and my stab at onliine banking was not sastisfactory - so I ended it.
As far as the ATM card. I actually had one of the first ATM cards when they came out. I used them for many years.
Then banks started charging for their use (and got to charging for every use at one point). After cycling through a couple banks I just decided I wasn''t going to pay.
Many of you do not know that ATM''s allowed banks to save lots of $$$ by reducing staffing. It was much cheaper to allow you to use your card than to have enough staff and branches to serve walk ins.
Only a decade or so into it did banks start to charge fees - seeing the ATM cards as a fee center now that they reduced their cost.
I am aware that most banks realized that they went overboard on the fees - and now allow you a certain number of transactions without fees. But, I was long gone - and learned to live without them.
Currently I live 1/2 block from my bank. So its no bid deal to stop in every week or two and get spending $$$. Besides, my budgeting is much better.
I tend to have few bills - and don''t write that many checks (I know people who write 3-4 times as many checks s I do).
Nice to know I''m not alone.
Perry
You....
are.....
not.....
alone!
I don''t have a ATM card either; and my stab at onliine banking was not sastisfactory - so I ended it.
As far as the ATM card. I actually had one of the first ATM cards when they came out. I used them for many years.
Then banks started charging for their use (and got to charging for every use at one point). After cycling through a couple banks I just decided I wasn''t going to pay.
Many of you do not know that ATM''s allowed banks to save lots of $$$ by reducing staffing. It was much cheaper to allow you to use your card than to have enough staff and branches to serve walk ins.
Only a decade or so into it did banks start to charge fees - seeing the ATM cards as a fee center now that they reduced their cost.
I am aware that most banks realized that they went overboard on the fees - and now allow you a certain number of transactions without fees. But, I was long gone - and learned to live without them.
Currently I live 1/2 block from my bank. So its no bid deal to stop in every week or two and get spending $$$. Besides, my budgeting is much better.
I tend to have few bills - and don''t write that many checks (I know people who write 3-4 times as many checks s I do).
Nice to know I''m not alone.
Perry
- Joined
- Nov 1, 2007
- Messages
- 4,836
- Joined
- Jul 21, 2006
- Messages
- 7,352
- Joined
- Sep 19, 2004
- Messages
- 2,547
I had two problems with "online" banking.
1) They charge me every month for it. Checks are free (and if I can live with plane checks - even the checks themselves are free).
2) They were printing checks and mailing them for about 2/3 of my bills; and they were not responsible for any checks lost in the mail.
Its like, why bother. I can write my own checks and mail them ... then at least I know they were actually mailed. I do understand that the mail system is not perfect.
ATM cards were cheaper than personal service.... Then the banks started charging to use ATM cards as in "income" source.
Electronic Banking should be cheaper than processing paper checks. So why do I have to pay more for it?
Perry
asscherisme
Ideal_Rock
- Joined
- Mar 6, 2006
- Messages
- 2,950
Kaleigh
Super_Ideal_Rock
- Joined
- Nov 18, 2004
- Messages
- 29,571
Hubby does his banking online.. Me?? I like going to the bank. I like my ATM card. Around here, there are many places like WAWA that don''t charge you for using you ATM card to withdraw... Love that. So NO DF don''t think you are weird. It took DH a long time to get into the online banking thing, but now he loves it and wouldn''t have it any other way...
goldenstar
Brilliant_Rock
- Joined
- Sep 16, 2006
- Messages
- 1,045
I read a very interesting article about personal checks. It seems very relevant to this thread :LINK
Anastasia
Shiny_Rock
- Joined
- Mar 23, 2005
- Messages
- 451
I have been doing all of my banking online for roughly 15 years. I have never once had a problem. I have never had to pay for the service.
I HATE writing checks, and stamping the envelope, and mailing it. Too many steps! And what if I''m out of stamps, and I''ve also been known to put the bills in my briefcase to mail from work, and forget they were in there. It is so much easier to go online and schedule a payment. I have my mortgage, and electric and gas bills automatically debited from my checking account, and my credit cards are on autopay. I use Quicken, and I update my accounts all of the time, so I always know how much is due on the credit cards, and if there has been any unauthorized activity, (there hasn''t). I receive most of my bills online, which cuts down on the paper coming into the house.
My 84 year old father does the same!
I HATE writing checks, and stamping the envelope, and mailing it. Too many steps! And what if I''m out of stamps, and I''ve also been known to put the bills in my briefcase to mail from work, and forget they were in there. It is so much easier to go online and schedule a payment. I have my mortgage, and electric and gas bills automatically debited from my checking account, and my credit cards are on autopay. I use Quicken, and I update my accounts all of the time, so I always know how much is due on the credit cards, and if there has been any unauthorized activity, (there hasn''t). I receive most of my bills online, which cuts down on the paper coming into the house.
My 84 year old father does the same!
- Status
300x240.png)