Why do banks hate the working class??

Patricide

Ok Recently i got me a nice cheque for 120 euro from selling a piece o musical equipment, however once i recieved this cheque i realised that it was gonna be 4 weeks(when i finish school for the summer) untill i cashed it.

I mean how are most people expected to do there banking if they all close at 4 and are only open on weekdays, i mean most peoples jobs go on till 5 and people in secondary school dont finish till 4 so how do people do it? ITS WREAKING MY HEAD AT THIS STAGE, i have 120 i cant spend.

any advice to get around this truely retard banking system?

John R

Most banks allow lodgement through ATM machines.

conky_05

eureka !!

TheTruthFairy

Why on earth do people bring up class over these matters?

Why don't you ask for cash next time? Or you could use electronic transfer or paypal instead.

Enii

I would imagine you could post a cheque to your bank and ask them to lodge it in to your account.

RE*AC*TOR

Get your butler to lodge it during the day.

Its not rocket science.

Eoin

That's not really a "working class" issue - and not a "retard banking system". As was said, they offer facilities to lodge money outside of office hours. Branches may only be open 10-4, but bank staff work a lot more hours then this. It's just that the doors are closed.

MarkR

How exactly are you part of the working class if you're in school? Lodge it into the atm (bring an unsealed envelope) or go down at lunch to deposit it. Also, most banks have "late" openings one night of the week, think its 430 or 530. Not to mention that some permanent tsb (was it them?) have tellers available on saturday mornings.

FillSpectre

John R wrote:

Most banks allow lodgement through ATM machines.

In Ireland? I have only ever seen one machine here that does that here. Very common in the US but rare here in Dublin.

dubtom

Mother/father/sister/brother would you cash this for me????
Is this not common sense, are you sure it's only 4 weeks untill you finish school.

Eoin

FillSpectre wrote:

In Ireland? I have only ever seen one machine here that does that here. Very common in the US but rare here in Dublin.

What about those "night safe" things you see outside of banks - can anyone put stuff into them, or is it just certain people?

Anyway, presumably banks have a letter box you can just drop a lodgement form and the check into?

joe_chicken

Although the heading is a little misleading, he has got a point!

Banks should, at the very least, open till 7 or 8... is that so much to ask where everything these days is open 24hrs.

Why have banks at all, if no-one has the time to use them, just automate everything

Eoin

joe_chicken wrote:

Although the heading is a little misleading, he has got a point!

Banks should, at the very least, open till 7 or 8... is that so much to ask where everything these days is open 24hrs.

Why have banks at all, if no-one has the time to use them, just automate everything

A lot of their services are automated these days, though late closing once a week would be good. Like I said, the tellers don't finish work when the bank closes it's doors, as they have to do all the balancing etc. So they wouldn't get out of there till 8 or 9 if they opened till 7 or 8, so you couldn't really expect that on a daily basis.

Gurgle

joe_chicken wrote:

Banks should, at the very least, open till 7 or 8... is that so much to ask where everything these days is open 24hrs.

Why have banks at all, if no-one has the time to use them, just automate everything

OK most employers, in my experience at least, will be understanding enough to let you go out for an hour or two to visit a bank.
@OP Whats to stop you going to the bank at lunch time?
Or putting it in an envelope with a note to lodge it into your account?
btw most branches of most banks close at 5 most days.

The retarded system of banking is the one where you had to take up 10 minutes of an employee's paid time to do the simplest transaction. Now at least the vast majority of banking business can be done by phone/web/e-mail/ATM.
And do you even understand the term 'working class'?

Lambsbread

Gurgle wrote:

And do you even understand the term 'working class'?

Okay, to give hime a bit of a break, I reckon he means working people and not working class. Banks will allow you post a cheque into them. I'm just suprised people are still using cheques!!

WhiteWashMan

my bank is open until 4pm on a saturday.

Lambsbread

What bank is that?

Oriel

Banks close early due to the rediculous amount of work that has to go on after they close. Work in one and you'll find out why they do what they do. To claim its about "class" just exemplifies you ignorance and/or stupidity.

Have you ever heard of the post? It still works too as far as I know.
Does everybody you know for 9-5 too? You don't have to lodge it personally.
Have you heard of an expresss lodgement box in or near the bank?

S.

Lump

I often post Cheques from the UK to my bank in the camens (Ireland) and just ask them to lodge it into my account. In other News LLoyds have removed the 4 days for a cheque to clear, so the funds will start earning interest the minute it's lodged. Up to £1000. Doesn't really matter for Ireland, but it might shake things up eventually.

John

Sleepy

eoin_s wrote:

What about those "night safe" things you see outside of banks - can anyone put stuff into them, or is it just certain people?

Anyway, presumably banks have a letter box you can just drop a lodgement form and the check into?

Night Safes are for commercial customers only and they pay for the service. However, like you said, any bank will have a letterbox you can drop a cheque along with a completed lodgement form into (there are some lodgement forms at the back of your own chequebook).

bonkey

Whatever about in the past, the simple truth is that today, banks would love to see the end of cheques entirely. Its no wonder they're not terribly accomodating about them.

jc

FillSpectre

bonkey wrote:

Whatever about in the past, the simple truth is that today, banks would love to see the end of cheques entirely. Its no wonder they're not terribly accomodating about them.

jc

What? Why do you think that? They make a lot of money from cheques why would they want to stop doing that?

Sarky

Banks hate the working class because:

a) You're poorly bred.

b) You lack the refined taste and manners of the staff, who are clearly of better stock than you.

c) You're poor. Who wastes time being nice to beggars? Clear off, you fearful oik!

Frankly, I'm amazed most of you don't get a sound thrashing for even walking in the door.

Archeron

Sarky wrote:

Banks hate the working class because:

a) You're poorly bred.

b) You lack the refined taste and manners of the staff, who are clearly of better stock than you.

c) You're poor. Who wastes time being nice to beggars? Clear off, you fearful oik!

Frankly, I'm amazed most of you don't get a sound thrashing for even walking in the door.

Plus, generally, you smell awful, and your tase in rags is just plain offensive to the upper class eye. I agree, ban the sweaty masses from banks and leave them to those who have REAL money.......

Sarky

*removes pipe from mouth*

Mmm, quite.

*puts pipe back*

Huggles

if your with AIB go to your local Post Office with your ATM card and lodge your cheque.

Just The One

Patricide wrote:

Ok Recently i got me a nice cheque for 120 euro from selling a piece o musical equipment, however once i recieved this cheque i realised that it was gonna be 4 weeks(when i finish school for the summer) untill i cashed it.

I mean how are most people expected to do there banking if they all close at 4 and are only open on weekdays, i mean most peoples jobs go on till 5 and people in secondary school dont finish till 4 so how do people do it? ITS WREAKING MY HEAD AT THIS STAGE, i have 120 i cant spend.

any advice to get around this truely retard banking system?

but you seem to have plenty of time to post threads about it

Clinical Waste

God help us all when Patricide finishes school and becomes another useless member of our society who can't do anything for himself.

Put some Brown sauce in your tea there boofhead and give the brain a rest.

r3nu4l

OK, I don't agree with the OP's main complaint, there are plenty of ways around that but why can't banks open on Saturday or have a late-night once a week?

I'm living in Cambridge and my bank opens on Saturday from 9-12.30, very useful, it means I don't have to take time off work to beg for a mortgage, I can do it on my own time (how considerate).

parsi

FillSpectre wrote:

In Ireland? I have only ever seen one machine here that does that here. Very common in the US but rare here in Dublin.

Huh ?

The original AIB Banklinks had that feature as do machines located in the self-service lobbies which are dotted around the place (or maybe squared..)

CoolGuy2006

Patricide wrote:

people in secondary school dont finish till 4 so how do people do it
any advice to get around this truely retard banking system?

banks stay open later on a thursday, maybe till 5pm

Ruu_Old

Yep banks close doors at 4 and sometimes 5pm(not sure what day) and rightly so, why should they remain open any longer, they do work into the evening behind closed doors. They work hard dealing with ignorant customers all day, most of the time. Get your parents or family member to do it. As someone else said it has NOTHING to do with the "working class".:rolleyes:

Oriel

Sarky, don't forget the general lack of understanding of basic overdraft facilities, and the difference between black and red.

joe_chicken

Ruu wrote:

Yep banks close doors at 4 and sometimes 5pm(not sure what day) and rightly so, why should they remain open any longer, they do work into the evening behind closed doors. They work hard dealing with ignorant customers all day, most of the time. Get your parents or family member to do it. As someone else said it has NOTHING to do with the "working class".:rolleyes:

O.. boo hooo... get some more staff then

The bank is there for a reason!

Why doesnt it let busy people who want to use the bank, use it!

What purpose does it play otherwise, we might as well fire all the bank staff and automate the whole thing then (sarcasm)

The excuse of "Get your mom to do it!" or "Use a post box" are beside the point, the OP (although badly phrased) made the point that he is too busy (even if that is just with school) to use the bank during the hours that suit him and most people.

Ruu_Old

Heh the banks are cutting staff , not hiring meh i dont care anyway im rich and the bank loves me.

nlgbbbblth

A pretty lame thread.

Unless you've worked in a bank, you've no idea of what work needs to be done prior to opening and after closing.

A simple way to resolve the problem would be to put the cheque in an envelope along with a) a lodgment slip or b) a piece of paper stating your account number requesting the cheque be lodged to your account. Then bring this envelop to a branch of the bank where your account is and put it through the letterbox. Letterboxes are open 24 hours. Alternatively you could ask somebody else to lodge it for you.

Nightsafe facilities are usually only made available to people who genuinely need them. They get a nightsafe wallet, a key and pay an annual fee for the service. They are popular with cash businesses such as public houses, restaurants, shops etc. There was a scam in England where a man would stand outside the bank (when it was closed) and anytime someone approached the nightsafe would say 'Excuse me Sir, the nightsafe is broken. Please leave your lodgment with me and I will ensure it is processed without delay'.

joe_chicken

nlgbbbblth wrote:

A pretty lame thread.

Unless you've worked in a bank, you've no idea of what work needs to be done prior to opening and after closing.

Again, back to my previous point, Boo Hoo...

This is a lame excuse, they could just hire night staff to do that for them.

I'm not asking for them to be open ALL the time, it's just it seems they pick the time thats most convenient to THEM and not to US, the customers

nlgbbbblth

joe_chicken wrote:

Again, back to my previous point, Boo Hoo...

This is a lame excuse, they could just hire night staff to do that for them.

I'm not asking for them to be open ALL the time, it's just it seems they pick the time thats most convenient to THEM and not to US, the customers

Any extra hours would have to be
1) voluntary
2) agreed with the union - the Irish Bank Officials Association

In the absence of the banks hiring additional staff the above is unlikely to happen.

WhiteWashMan

Lambsbread wrote:

What bank is that?

lloyds tsb

joe_chicken

nlgbbbblth wrote:

Any extra hours would have to be
1) voluntary
2) agreed with the union - the Irish Bank Officials Association

In the absence of the banks hiring additional staff the above is unlikely to happen.

You're again missing my point!

I don't care about the internal workings of a Bank, I shouldnt have to, I'm a customer.

r3nu4l

I have worked in a bank and know how much work is done after hours but that's not really the point.

Banks don't seem to understand that they belong to the financial "service" industry. They are there to provide a service to the customer.

Any service industry should operate to it's customers demands and needs. What if restaurants decided to close at 4 most days and 5 on a Thursday? How stupid would that be? The difference is that once the bank has your salary and direct debits in their accounts they are making money so it doesn't matter to them whether you can lodge you cheque or not.

As for banks not hiring extra staff, look at the profit they make. Again, they are ignoring the customer wishes and instead bowing to the shareholder.

Sleepy

The banks won't bother opening extra hours unless one of them breaks step and opens outside of the traditional 9 to 4. It'd cost them far more money than they'd make from it, and let's remember, they're a business, why would they do things that would lose them money?

I worked in BOI for a while and to be honest, the banks hate cheques. They're expensive to process and very little is made from them. Why do you think they pushed Laser so hard when they launched it?

Red Alert

If my local Superquinn can have a full service nearly all day Saturday and Sunday then I fail to see why the banks cannot - they deserve no special allowances from the public.

BuffyBot

O.. boo hooo... get some more staff then

And I bet you're quite willing to pay increased bank charges to cover the added overheads...

nlgbbbblth

joe_chicken wrote:

I don't care about the internal workings of a Bank, I shouldnt have to, I'm a customer.

Typical irrational customerspeak

These are the reasons why X is unlikely to happen

I don't care. It's not my problem. I want it to happen regardless.

I think you'll find if you cannot get to the bank during opening hours then it is, in fact, your problem.

btw - anyone got an idea of the 'opening hours' for solicitors, accountants and architects? I'd genuinely like to know and if they're not much better than the bank, then why haven't they come under fire?

btw #2 - banks will facilitate people calling outside normal working hours if they are coming in to discuss a loan, mortgage, savings product, whatever - anything that doesn't involve an actual transaction on the counter.

Patricide

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

dermot_sheehan

Patricide wrote:

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

Then endorse over cheque to someone else (provided it's not crossed with account payee only), basically sign the back and write "pay to X" where X is the name of the person with the bank account. Have that person lodge it and give you the cash.

You think that's bad, I have to wait several weeks for a cheque in U.S. dollars from the U.S. treasury to clear. I know forgein cheques take while, but it's issued by the U.S. government, it's as good as U.S. cash!!!

4Xcut

1)People go to the bank at lunch
2)They have to close at four o'clock to close up/sort out stuff that can't be done till customers leave
3)Does the origional poster attend that remote a school that he can't go to the bank during lunch
4)Is there no-one who you can get to get it cashed for you(mother/father/etc.)

maxheadroom

TheGooner wrote:

if your with AIB go to your local Post Office with your ATM card and lodge your cheque.

My local post office won't lodge cheques into AIB accounts, only cash.

Huggles

maxheadroom wrote:

My local post office won't lodge cheques into AIB accounts, only cash.

Odd mine does, probably cause the post master knows every single person in the suburb though!

Calina

Patricide wrote:

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

In the name of all that's holy why did you accept a cheque if you didn't have a bank account? It's the last thing I would have done if I didn't have a bank account.

You're losing the rag because you can't cash a cheque. In my opinion it is a wholesale overreaction based on your own actions. Me, I've had a bank account since I was three months old, and while I could quibble about various aspects of banking in Ireland, I can tell you that I have the need to go into a bank branch on average once every year at the absolute most. The last time I was in an AIB it was to fill out a form regarding foreign exchange overcharging. Everything else I have managed to do via the post, via internet banking and via the phone. There is a bank official available 24 hours a day on the phone.

The irony is you are whinging about the bank's lack of customer service and you are not even a bank customer. Your problem stems directly from your not being a bank customer.