Bank Opening Hours

boboirl

Why are the general banks opening hours so rediculous?!?

And their customers seem to put up with it....

I mean come on, how many shops for example would only open from say 10 am to 4pm... with an hour closed for lunch.. and expect to be in business for long??

Also, the other morning I went to my branch @ 10AM to be confronted with a hand written sign on the door saying "Closed until 10:30 to facilitate training".

:mad:

dudara

Moved to Banking & Insurance & Pensions


dudara

Fighting Irish

boboirl wrote: »

Why are the general banks opening hours so rediculous?!?

And their customers seem to put up with it....

I mean come on, how many shops for example would only open from say 10 am to 4pm... with an hour closed for lunch.. and expect to be in business for long??

Also, the other morning I went to my branch @ 10AM to be confronted with a hand written sign on the door saying "Closed until 10:30 to facilitate training".

:mad:

Sure we'll let you decide when they should open and close

boboirl

Fighting Irish wrote: »

Sure we'll let you decide when they should open and close

OK... 9 - 6 Monday to Friday with no closing for lunch :cool:

fobster

Halifax open on Saturdays!



Oh wait...

Dum_Dum

They run the country, why should they do anything other than suck your blood out?

tommy21

Very annoying. In fairness the staff are there at 9 or earlier and after 4pm but it takes times to get things up and running each day. The banks could well afford to pay them to come in earlier though and finish later in a staggered fashion.

Bogger77

banks close at lunch? When did that start again?

If the OP wants to see bank opening hours taking the p**s, try use a post office or bank in Spain after 2pm. Open earlier than here, closed a lot earlier than here.

Toots

I think certain smaller branches still close for lunch, not sure which ones though.

gogo

Im sure its a security measure, when would be the best time to rob a bank, nine o clock in the morning would be perfect, not much traffic, easy eh 'parking', etc.
There are so few reason why anyone needs to personally attend a bank any more, do you not use online banking? Anything else can be done by post/phone.
Also you'll find its only small country branches that close at lunch, its not being brought back, its alway been that way, if there was enough custom for them to remain open, they would be open, also because of a small staff number, its not secure to stagger luch breaks.
Also regarding the 10.30 training, its only half an hour later than usual opening hours, banking, especially in this climate is constantly updating procedures, mainly by the orders of the financial regulator, so training has to be done, bank staff work normal hours 9 to 5 (give or take) as it is, so why should they change the whole system, ie come in earlier, because you can't wait a measly half an hour?:rolleyes:

drakshug

I was shocked when I moved to Ireland. The banking situation is worse than the Baltics or the UK.
If you are working, you can't get to a bank except at lunch time when it is full.
I've been using online banking since it started but it doesn't let you change money, open a new account, sign HP forms for motors etc etc.
Elsewhere you have banks open at 8 am til 6 and open on saturdays.
Don't they need our business?

dotsman

drakshug wrote: »

I've been using online banking since it started but it doesn't let you change money, open a new account, sign HP forms for motors etc etc.

Not quite sure what you mean by "change money"?
I can open new accounts via 24-hour banking.
Never had to hire a tractor, so can't comment on that one!

Banks are open business hours, because businesses are pretty much the only customers who "need" to go to a branch regularly.

I "bank" everyday, yet have only ever needed to go to a branch once in god-knows-how-long (at least 6-7 years), and that was to apply for a mortgage.

You have to remember that, compared to most other businesses, banking has great "opening hours". You can carry out 99.9% of your dealings 24-7 without ever having to go out of your way (ie you can do them from home, work, street, inside shops etc). It's only for the complex transactions that you actually need to go to a branch.

drakshug

Complex transactions like signing your car loan in front of a bank employee, exchanging that pesky foreign currency and actually getting an account due to the money laundering rules.
Judging by the queues at lunchtime I can't be the only person trying to get to a bank during my lunch break. Saturday opening would be a boon.

unclebill98

Talk to any Halifax worker. Saturdays are not a busy as you guys would think.

This topic was just cover last week or so. There are plenty of reasons why banks open when then do. But times are changing. UB Georgre Quay opens from early in the morning and stays open till late at night 5 days a week. But demend in that area calls for it.

Not all branches would be worth opening for longer and on saturdays. I do not agree with this 30 min training done by some banks.

unclebill98

boboirl wrote: »

OK... 9 - 6 Monday to Friday with no closing for lunch :cool:

IMHO banks would work much better if they closed for lunch. At least all the staff could take lunch at the same time. Only problem is that there might be a q before closing so staff would not get the full hour.

So they open for lunch, which then means staggered lunch breaks and this in turns cause delays and q's to build because staff numbers on the counter is reduced.

Also, if you go to the bank at lunch be prepared for big q's.

dotsman

drakshug wrote: »

Complex transactions like signing your car loan in front of a bank employee

Not sure about this, I've never had to sign anything in front of anyone when it came to loans, not even my mortgage!

drakshug wrote: »

exchanging that pesky foreign currency

How often do you have foreign currency you want to get rid of? I would generally spend the little foreign cash I had before returning to the Eurozone. Even if you do have foreign cash, why not hold onto it until the next time you travel there?

drakshug wrote: »

actually getting an account due to the money laundering rules.

Maybe, but how often do you open accounts? Once you have one account open with a bank, you don't need to be present to open subsequent accounts.

drakshug wrote: »

Judging by the queues at lunchtime I can't be the only person trying to get to a bank during my lunch break. Saturday opening would be a boon.

Unfortunately, the vast majority of the people queueing at lunch time don't actually need to be there. It's usually just down to laziness, lack of planning, ignorance, or a refusal to live in the modern age!

muggins2003

it's nuts - same with the post office - that's why the queues are always mental. it's hard to believe that they shut an hour each day for lunch as well when the majority of people need to use them then!

Sofiztikated

Here's a mental idea, just throwing it out there.

If the lunch time is busy, why let the staff go on lunch at 1? Why not manage to have them either go earlier, and be back for 1, or go later, after the rush is over.

Then again, I rarely have to go into the bank.

jaceq

Sofiztikated wrote: »

Here's a mental idea, just throwing it out there.

If the lunch time is busy, why let the staff go on lunch at 1? Why not manage to have them either go earlier, and be back for 1, or go later, after the rush is over.

Then again, I rarely have to go into the bank.

Well I presume it would be to modern and radical, in the end all those ladies have to chat with each other during lunch time and this is way more important than doing any business...

BuffyBot

If the lunch time is busy, why let the staff go on lunch at 1? Why not manage to have them either go earlier, and be back for 1, or go later, after the rush is over.

Most, if not all branches, will stagger staff lunches.

Sofiztikated

BuffyBot wrote: »

Most, if not all branches, will stagger staff lunches.

Yes, but they still let them go at peak period times.

aoraki

A lot of people seem to think that bank staff swan in the doors at 9.45ish each morning and are in the car home by 4.15 in the afternoon.

When i worked in a financial institution many moons ago the working hours were from 9am to 5.30. If you got out by 6PM you'd be doing very well. On thursday when the branch closed at 5 you'd be doing well to be out by 6.30pm. Most mornings we were in before 9.

As regards lunch, we used to stagger the taking of lunch breaks, but we also brought in a couple of lunch time staff that would only work from 11 til 2 to cover the lunch time period.

Admittedly this was over 10 years ago, but I imagine not a lot has changed.

But I agree that 10 to 4 is not ideal for customers, especially when they are closed for weekends.

unclebill98

aoraki wrote: »

A lot of people seem to think that bank staff swan in the doors at 9.45ish each morning and are in the car home by 4.15 in the afternoon.

When i worked in a financial institution many moons ago the working hours were from 9am to 5.30. If you got out by 6PM you'd be doing very well. On thursday when the branch closed at 5 you'd be doing well to be out by 6.30pm. Most mornings we were in before 9.

As regards lunch, we used to stagger the taking of lunch breaks, but we also brought in a couple of lunch time staff that would only work from 11 til 2 to cover the lunch time period.

Admittedly this was over 10 years ago, but I imagine not a lot has changed.

But I agree that 10 to 4 is not ideal for customers, especially when they are closed for weekends.

Nope, pretty much the same as now.

Its not fair to expect staff to come in at 9 and go on lunch at 12 or 3 o'clock.
Like I said, opening for lunch is the problem. Staff are entitled to a lunch thats given at a fair time.

Sofiztikated

unclebill98 wrote: »

Nope, pretty much the same as now.

Its not fair to expect staff to come in at 9 and go on lunch at 12 or 3 o'clock.
Like I said, opening for lunch is the problem. Staff are entitled to a lunch thats given at a fair time.

And why is 12 not a fair time? Or 2?

unclebill98

Because you only started at nine? Even so, you still don't solve the issue. Staggered lunches cause the problem. 5 staff on counter, 2 have to at least go on lunch that over lap each other. Staff normally have to balance before lunch so it starts to cause delays and has a knock on effect.

As mentioned, if you using the bank at its peak period expect to have to q. Same with any business you use. Go into a bank at 11am on a tuesday and its not going to be as busy as lunch time or on a friday afternoon.

Even changing opening hours will not fix the issue. Going from a 4pm close to a 5pm or beyond close will still mean the same people will delay the time they go and your back to the same problem. Thats hardly the banks fault.

People are iggnorant to this issue. Banks will have to change the opening hours. It will happen, but these issues will always remain.

Best way to discribe it is like "Last orders" in a pub. You've been sitting there for maybe an hour or so before it happens. You still make a bee line for the bar and then stand there like a tool with everyone else thats rushing in, where maybe if you thought...ah last orders are coming i'll go a few mins earlier and get sorted. This carry on happens at a 12.30am to even when its a late bar.

jaceq

unclebill98 wrote: »

Because you only started at nine? Even so, you still don't solve the issue. Staggered lunches cause the problem. 5 staff on counter, 2 have to at least go on lunch that over lap each other. Staff normally have to balance before lunch so it starts to cause delays and has a knock on effect.

As mentioned, if you using the bank at its peak period expect to have to q. Same with any business you use. Go into a bank at 11am on a tuesday and its not going to be as busy as lunch time or on a friday afternoon.

Even changing opening hours will not fix the issue. Going from a 4pm close to a 5pm or beyond close will still mean the same people will delay the time they go and your back to the same problem. Thats hardly the banks fault.

People are iggnorant to this issue. Banks will have to change the opening hours. It will happen, but these issues will always remain.

Best way to discribe it is like "Last orders" in a pub. You've been sitting there for maybe an hour or so before it happens. You still make a bee line for the bar and then stand there like a tool with everyone else thats rushing in, where maybe if you thought...ah last orders are coming i'll go a few mins earlier and get sorted. This carry on happens at a 12.30am to even when its a late bar.

My point of view is following, bank is a business, I am a customer bringing money, I don't really care how it's all setup, I want a good service at reasonable hours (including lunch) and that's it!
You can note that in other countries it is somehow possible to sort this out.

unclebill98

jaceq wrote: »

My point of view is following, bank is a business, I am a customer bringing money, I don't really care how it's all setup, I want a good service at reasonable hours (including lunch) and that's it!
You can note that in other countries it is somehow possible to sort this out.

Your right. The customer will get the opening hours, just don't expect the q's to go away cause the branch opens longer.

jaceq

unclebill98 wrote: »

Your right. The customer will get the opening hours, just don't expect the q's to go away cause the branch opens longer.

Again, long queues = poor service, and as I said I expect a good service.
That's why I was with halifax, this was ONLY bank in Ireland in different league.

Spirit of time

In England it states on notes the value of it's currency....

For example £20,£10 and so on....

Has anybody actually asked the question 20 pounds of what???

Like is it gold?!?...I think not!...Not silver....

Can anybody enlighten me?

dotsman

jaceq wrote: »

Again, long queues = poor service, and as I said I expect a good service.
That's why I was with halifax, this was ONLY bank in Ireland in different league.

The problem there was that Halifax had no queues because Halifax had no customers. Hence Halifax is now gone for this very reason.

stepbar

jaceq wrote: »

My point of view is following, bank is a business, I am a customer bringing money, I don't really care how it's all setup, I want a good service at reasonable hours (including lunch) and that's it!
You can note that in other countries it is somehow possible to sort this out.

But yet complain when you have to pay for it :rolleyes:

I think you'll find that "other" countries charge significantly more in fees. Ask anyone in the UK what happens if they use an unauthorised overdraft.....

unclebill98

jaceq wrote: »

Again, long queues = poor service, and as I said I expect a good service.
That's why I was with halifax, this was ONLY bank in Ireland in different league.

Well I guess there is no pleasing you. I guess you think most services in Ireland that you use give poor service simple cause you've to q.

If your always subjected to long q's when you use the bank then maybe you should change you banking. Simply change your banking habits to avail of a better customer service. Your right in what you say, so you spoke with your feet and went to Halifax...... a lot of good that turned out to be :rolleyes:

What service to you require that has you turning up during peak periods? Cause I'm sure there is a service for you that can help.

dotsman wrote: »

The problem there was that Halifax had no queues because Halifax had no customers. Hence Halifax is now gone for this very reason.

Exactly, almost all Irish banking charges are well below them of other countries. But its this new Anti-Bank attitude that people have that is part of the issue.

jaceq

unclebill98 wrote: »

Well I guess there is no pleasing you. I guess you think most services in Ireland that you use give poor service simple cause you've to q.

There is a difference between regular long queues and an occasional queue.
And here you have regular long queues... this isn't a good service.
There are few solutions for this:
1. Get more staff at peak times
2. Enable customers to do majority of their business online / over the phone.
3. Get ATMs that enable customers to lodge money into their accounts.
None of the above is present here.

If your always subjected to long q's when you use the bank then maybe you should change you banking. Simply change your banking habits to avail of a better customer service. Your right in what you say, so you spoke with your feet and went to Halifax...... a lot of good that turned out to be :rolleyes:

You are right, If there would actually be a choice in banks here I would (4 banks offering same stuff, having same opening hours aren't a real choice) change my bank in a flash (that's why I moved to halifax from AIB in 2 weeks after they started their operations in Ireland).

What service to you require that has you turning up during peak periods? Cause I'm sure there is a service for you that can help.

I am an occasional customer during lunch time, sometimes I need to make some lodgment or change the address (as I moved recently)

Exactly, almost all Irish banking charges are well below them of other countries. But its this new Anti-Bank attitude that people have that is part of the issue.

Not true, I had current accounts in US and Poland and none of them had higher charges than Irish accounts.

I think you are just making excuses for this poor system...

dotsman

jaceq wrote: »

1. Get more staff at peak times

Are you willing to pay for this? Because most customers aren't. And with free banking, it's not exactly very profitable at the moment (perhaps you haven't been in touch with the news over the past few years regarding banking). The people you see working in the branches have various qualifications/skills. Do you think many people are going to go to college and/or do professional qualifications just to work 2 hours a day (in a relatively low-paid job to begin with)?

jaceq wrote: »

2. Enable customers to do majority of their business online / over the phone.

You can do the majority of banking on-line. In fact, I do all my banking on-line (see post above)

jaceq wrote: »

3. Get ATMs that enable customers to lodge money into their accounts.

They have these. As far as I am aware, many/most branches have lodgement machines so you don't need to queue.

jaceq wrote: »

I am an occasional customer during lunch time, sometimes I need to make some lodgment or change the address (as I moved recently)

What do you need to lodge? Are you a consumer or a business? How does a consumer regularly receive cash/cheques that require lodging (besides maybe xmas, birthday etc). You do realise that you can change your address by writing to your bank or via telephone banking?

unclebill98

jaceq wrote: »

There is a difference between regular long queues and an occasional queue.
And here you have regular long queues... this isn't a good service.
There are few solutions for this:
1. Get more staff at peak times
2. Enable customers to do majority of their business online / over the phone.
3. Get ATMs that enable customers to lodge money into their accounts.
None of the above is present here.



You are right, If there would actually be a choice in banks here I would (4 banks offering same stuff, having same opening hours aren't a real choice) change my bank in a flash (that's why I moved to halifax from AIB in 2 weeks after they started their operations in Ireland).



I am an occasional customer during lunch time, sometimes I need to make some lodgment or change the address (as I moved recently)



Not true, I had current accounts in US and Poland and none of them had higher charges than Irish accounts.

I think you are just making excuses for this poor system...

All branches that have the budget, hire extra staff for peak periods. Some branches simply do not have the extra counter space to open up extra teller points. Like I've said, actually opening for lunch causes the delays. I do agree opening hours need to change, but it will not stop the q's.

Your attitude that because the q's exsits its bad service. I see the angle you looking at here, but every business in Ireland has its peak periods. They increase the staff for those periods, its not good business to have this increase for the whole day just to meet the possible q's. Every business suffers this, so you must be one unhappy person.

Online Banking, every Irish banks offer this. Some have better features than others. Apart from cash/fx and drafts(to which you could to a Electronic transfer) you can do 99% of your banking online. But like I said the features vary from bank to bank.

Telephone banking is more or less internet banking, except its on a phone. The services you can get over the phone with your branch varies from Bank to Bank.

ATM's, various banks in the larger towns have lodgement enabled ATM machines. If you actually think about it, the amount of ATM grabs has lead banks to re-think the ATM issue. So no bank is going to jump and get lodgement enabled ATM until a more secure ATM solution is found. I do agree with you that the ability to lodge at an ATM would be helpful.

Your attitude is simple. A long regular q ='s bad service. The fact that your an occasional customer at lunch doing 2 things,

1: Lodgement, use the fast lodgement feature.
2: Change of address, write a simple letter.

So those 2 things you do can be done without q'ing. So who's fault is that. Its yours for not taking advantage of the full services that are there for you, that some banks even charge you for in the monthly/quarterly fees.

As for Fee's, basic day to day charges are far higher in our closest neighbour England. As for non standard charges, an unpaid chq in England can cost 10-20 Stg, paying your bill in a bank your not a customer of can cost 5stg. In Ireland this charge is as low as 51c if not free.

So, I think your just making excuses for your poor lack of knowledge of the banking services avalible to you.

jiggawigga

I wonder how many replies come from bank employees.

I'm a customer, fair point - you can do a lot of things online but not everything. I want to be able to wander into my bank at what I think is a reasonable time i.e. after 9am and before 6pm and do my business WHATEVER that may be. The current opening hours just aren't good enough. It's simply ridiculous that banks don't open regular hours.

Too many of you are prepared to settle or reply telling people to use the Internet. Meh.

As for the busy q's at lunch. Not an easy one to fix. Longer hours probably wouldn't remedy this, but they couldn't hurt.

unclebill98

jiggawigga wrote: »

I wonder how many replies come from bank employees.

I'm a customer, fair point - you can do a lot of things online but not everything. I want to be able to wander into my bank at what I think is a reasonable time i.e. after 9am and before 6pm and do my business WHATEVER that may be. The current opening hours just aren't good enough. It's simply ridiculous that banks don't open regular hours.

Too many of you are prepared to settle or reply telling people to use the Internet. Meh.

As for the busy q's at lunch. Not an easy one to fix. Longer hours probably wouldn't remedy this, but they couldn't hurt.

Well its a banking forum. So your going to get alot of replies from them.

I agree that opening hours need to change. But you can not possible complain about q'in if your waiting too lodge money and there is a fast lodgement unit staring at you.... Even when you tell someone about them a week later there back in the q.... :rolleyes:

To be honest banks do not want customers to move over entirely to internet banking. They just want customers to be smart about how they bank.

Apply you attitude to other business....?

I feel apart from opening hours banks are doing there utmost to make there customers happy. Again, banking opening hours will change but it'll not get rid of the q's.

jiggawigga

unclebill98 wrote: »

But you can not possible complain about q'in if your waiting too lodge money and there is a fast lodgement unit staring at you.... Even when you tell someone about them a week later there back in the q.... :rolleyes:

Hah. Yeah I'd imagine you get a lot of that. I personally have been told about a few services I can do via the phone or online and if it's convenient I would do this as opposed to going into the bank. But not being able to walk in at 9:30 is fail.

I understand you bankers do administration and 'stuff' before and after public opening, how busy is it at this time? Is there a lot of sitting around pretending to be working or are you flat out?

unclebill98

jiggawigga wrote: »

Hah. Yeah I'd imagine you get a lot of that. I personally have been told about a few services I can do via the phone or online and if it's convenient I would do this as opposed to going into the bank. But not being able to walk in at 9:30 is fail.

I understand you bankers do administration and 'stuff' before and after public opening, how busy is it at this time? Is there a lot of sitting around pretending to be working or are you flat out?

You would be surprised the amount of stuff people refuse to do to make their own banking experience better.

As for opening times in the morning. Some branches could easily open earlier than 10am, maybe 9.30am. It was covered in another treat last week but the Irish Regulator forces Banks to very often change policies and working practices. There are mass training sessions held with all staff, those behind the scenes to those on the counter to update them. Its not every day but then again somethings can be important enough to be held a short notice.

The 10.30 thing is a joke. I don't agree with it and its only a few banks that still carry this practice out. Of course they'll say they need it.

Of course the needs of the time vary from from bank to bank and from branch to branch.

As for the closing times.... that's a different story altogether.

electron

This issue has nothing to do with an anti-bank attitude. It has more to do with the unwillingness of Irish people to work shifts. In other countries it's common that for example half of the staff start at 8, finish at 4, the other half start at 11 and finish at 7. During off-peak hours those who aren't busy directly serving the customer can do other, "behind the scenes", work. Also, it doesn't have to be this way in every single branch but there should be at least one late-opening branch of each bank in every town.
Thanks jiggawigga, drakshug, boboirl I second most of your arguments.

wmpdd3

In a supermarket, there are tight budgets for staffing, there are also targets for ques. If there is more than 1 person in front of you, a computer system picks this up and if the percentage of customers having to wait behind 2 people is over a number such as 8% then the check out manager won't be staying in their job.

Sure there are variables that cannot be controlled such as, big trolley, customer complaint, purse full of 1c coins! But at the end of the day the technology exists to manage ques if they really wanted to.

I haven't been into the branch in about 3 years, Internet banking directed me to the branch to do something but I can't risk it as I'm pregnant and couldn't guarentee I wouldn't faint in the ques!

Agent_99

You can tell the posters on this forum who work with the banks

Work this one out then, I work office hours 8 to 4.30 Monday to Friday.
I have to lodge a cheque and make a payment over the counter the receipt needs to be stamped by the branch. I get half hour for lunch and there is no branch of my bank close to me.

Neither of the option can be done On-line or over the phone how do conduct 5 mins worth of business without taking time of work?

When there should be at least one night late night opening to encourage good customer relations!

unclebill98

I thought this tread had ended.

I agree bank opening hours need to change but its not going to happen as quickly as people like. There is 100% a antibank attitude in this country at the moment and be always aimed at the wrong front line staff, I've been hit with, we bailed you out so you should open longer and on a saturday! People can make there banking experience better by doing very simple things. There are a good few recent treads on this exact matter. Fast lodgements, internet and the dreaded not going in a lunch time! As I said its actually staying open for lunch that causes the bloody q's in the 1st place.

Its not as simple as just choosing to open later. Unions are the main oppisition against this. I'm pretty sure all the bank top dogs want to open later and on saturdays, but as pointed out staffing is the problem. Staff in banks have signed contracts that state there working hours. This can not be simply changed. Hiring extra staff on lesser contracts will solve this but first they need to off load all the staff whom want. The 2 main banks have not even started the process to recovery so they ain't going to be changing the way they do business anytime soon.

As for Agent99, one must question your need to have the book stamped? To me, you sound like your being akward for the sake of it.

gogo

wmpdd3 wrote: »

In a supermarket, there are tight budgets for staffing, there are also targets for ques. If there is more than 1 person in front of you, a computer system picks this up and if the percentage of customers having to wait behind 2 people is over a number such as 8% then the check out manager won't be staying in their job.

Sure there are variables that cannot be controlled such as, big trolley, customer complaint, purse full of 1c coins! But at the end of the day the technology exists to manage ques if they really wanted to.

Are you really comparing a supermarket to a bank?
Banks have this technology already, q's are monitored,and have been for years, im not going to go over the whole thread again just +1 on Unclebills point.

wmpdd3

gogo wrote: »

Are you really comparing a supermarket to a bank?
Banks have this technology already, q's are monitored,and have been for years, im not going to go over the whole thread again just +1 on Unclebills point.

Right so ..... 'we know there are ques but we won't do anything about it'....5 years ago most other business' had fixed working contracts also.

As I said I try keep my visits to banks down to once per 3 year period...Thank God!

stepbar

Before I joined a bank I banked with AIB (still do). I haven't been in my local branch in about 5 years. Any business I need to do can be done in A) another branch over the internet or C) by post. For example, I opened a savings account over lunch in a branch in Dublin. I subsequently closed same by an instruction in the post. As for chq lodgements, I just post same. I have an account in the North and have posted chqs to the branch for lodgement with any issues. Worst come to worst the chq gets lost it can be reissued. People can help themselves if they really want to. The alternative is increasing bank fees for a better service to include opening on a Saturday.

stepbar

gogo wrote: »

Are you really comparing a supermarket to a bank?
Banks have this technology already, q's are monitored,and have been for years, im not going to go over the whole thread again just +1 on Unclebills point.

It's one problem that the banking industry is facing, the constant "dumbing" down of banking. FFS even Tesco is getting on the act. They're proposing to have branches in Supermarkets. I mean whatever opinion one has about banks, moving same to supermarkets is not the way to go.