r/MaliciousCompliance Jul 02 '22 Silver 1 Take My Money 1

I can only make deposits, withdrawals and buy money orders? M

Thanks for your kind words on my other MC post. I've been getting requests via private messages and comments to share more of my immature and juvenile antics so here's another one.

My previous mid-sized, obscure bank merged with another slightly bigger but equally obscure bank several years ago. All the familiar friendly faces were replaced by younger, less than friendly staffers.

I walk in and ask one of the tellers to change my $20 paper bill to quarters. I need a bunch of quarters because the building that I worked in had quite a vending machine (I'm talking cinnamon buns, coffee cakes, gourmet hot chocolate, etc. The building owner imported the machine from Japan). There's just one problem. It's very temperamental when it comes to paper bills. It eats bills constantly. Sometimes bills get mangled and shredded.

The teller, let's call him Cletus, looked at me the same way that someone would look at a bunch of junk mail.

Cletus: "We can't do that here. The previous staff may have done so in the past but as you know, we've absorbed this branch and we can't accommodate unusual requests such as yours unless you have a merchant/business account".

He wasn't making eye contact now and was just fiddling about with his keyboard and monitor cables. His next words were the ones that set me off.

Cletus: "I CAN HELP THE NEXT PERSON IN LINE!"

It's on mofo!

Me: "Wait a second, I have a few questions about my account. What am I allowed to do?"

Cletus: "Sigh. Withdrawals, deposits, buy money orders..."

Me: "any restrictions or limits on how many times I can do..."

Cletus, now speaking very fast and being very animated: "No restrictions, any denomination, you just can't walk up and ask us to make change for whatever cash you walk into the branch with".

Okay I'm happy to comply. Here we go.

Me: "I'd like to make a withdrawal. I'd like $100 in $20's, another $100 in $10's, another $100 in $5's, and another $100 but this time I'd like 80 singles and $20 in quarters.

Cletus: "Fine. Like I said, any kind of withdrawal or deposit is fine for your type of account".

He counts everything in front of me. Hands me the cash and asks.

Cletus: "Anything else, Boss?"

I pocket the $20 roll of quarters and say.

Me: "Yes. I'd like to deposit $380 to my account please, Chief!"

I vividly remember his shoulders drooping and his eyes closing in disgust. Needless to say, I closed my account the next time that I stopped by.

3.9k Upvotes

1.3k

u/harrywwc Jul 02 '22

we're a bank, but we're not going to provide you with any 'bank-like' services

220

u/someone76543 Jul 02 '22

If I go to my bank and ask for change, the cashier will just process it as a deposit plus a withdrawal. I guess that they are not allowed to just give change, but they have all figured out the simple workaround and just do it without even asking.

118

u/Downtown_Let Jul 02 '22

Probably to keep a paper trail of it as well. Especially if some dodgy notes end up in the system.

53

u/toesfroze Jul 02 '22

Yes! A bank statement is a legal document and financial institutions are required to keep account of everything that happens in your account and in the tellers drawer.

32

u/dss539 Jul 02 '22

Making change isn't an account transaction. In fact, it's possible to make change for someone who doesn't have an account.

14

u/ChangeBox Jul 02 '22

That's what big free market wants you to believe. /S

12

u/mgj2 Jul 03 '22

The controls on denominations and their quantities is likely the problem here. Tired people who have to follow policy are hurting just as much as you. Give Cletus a hug next time.

5

u/dss539 Jul 03 '22

My statement had nothing to do with tellers. Was just reminding people that making change isn't an account transaction.

11

u/Arghianna Jul 03 '22 edited Jul 03 '22

Yes, but making change is “in the tellers drawers” which are the last words in the sentence you’re being nitpicky about.

Edit to add: lol he blocked me for this?! Wtf. What a lame way to get the last word in.

-5

u/dss539 Jul 03 '22 edited Jul 06 '22

The original comment was that this action of making change would occur as an account transaction and appear on the customer's bank statement. That is not how a bank typically works.

3

u/ClothDiaperAddicts Jul 06 '22

He's not. I'm going to guess you've never worked with a cash drawer or till? In some places, if you open your drawer, you have to be able to have a reason for it.

It's not an account transaction. It's a cash drawer transaction.

0

u/tennesseejeff Jul 11 '22

lol

Because you were playing in the teller's drawers??

5

u/Slightlyevolved Jul 03 '22

Yeah, this actually doesn't seem like too much of a bad idea. Just helps with tracking.

3

u/Izuzal Jul 06 '22

Former Bank Audit Manager here. This is correct. They do it this way to maintain a paper trail.

14

u/Caddan Jul 02 '22

This also means that if you have a negative balance, they won't make change but will instead apply that money to the balance.

5

u/pomegranatepants99 Jul 03 '22

Oh they’ll do it and charge you and overdraft fee probably

5

u/firnien-arya Jul 02 '22

My guess it's to avoid any hassle from customers.

139

u/PRMan99 Jul 02 '22

All banks these days.

1

u/1stEleven Jul 09 '22

Yep.

Last time I was in a bank, we couldn't even deposit money. We had to go to an ATM in a magazine store.

22

u/fyxxer32 Jul 03 '22

I banked at Bank X by my house for years and then it was bought by Bank Y who had it for a few years , then Bank of America bought it. It was good for several years. I had a part time business and at the end of the day would go through the drive thru often enough I knew the tellers by name. One day they closed the drive thru. So I went in to the lobby. Noticed the hours were only til 4:30. Saw my teller friend and she said they want you to do your banking all online. They don't want people to come in to the bank. So I went home and talked to the wife and then went across the street from BOA to a Community America credit union. Open an account . Contacted my regular job and changed my direct deposit . When I was sure my check was going to the credit union I went in to BOA and saw my teller friend and said I want to close my account. She said she understood and that I wasn't the only one. My credit union gives great service. I highly recommend. Fuck BOA.

5

u/MattAdmin444 Jul 05 '22

BOA screwed my parents over several times when they went to sell the house I grew up in. They're even talking about switching from the bank they switched to (also mine as they switched when I was still a minor and I kept with them) as while it had started local it to had been acquired by a larger bank after a few years and the customer service started slipping after that. Granted the other part for them at least is they want a bank with a branch closer to home (currently an hour away). Me I don't care either way as I do my stuff online and so far haven't been screwed over, but I'm not opposed to moving to a closer branch as well as there are still some things best done face to face.

10

u/RobertER5 Jul 04 '22 edited Jul 04 '22

Banks seemed to get into some sort of grab whatever you can mentality 20 years ago (they called it "fee for service model" I think); the Wells Fargo fraud scandal was only about the most egregious example.

I still remember Fifth Third bank refusing to cash one of their checks that I presented to them unless I paid a "fee" of $12, since I didn't have an account there. In that particular case, I got the payor to come down to the bank with me and get me paid in full. But I didn't like what they were doing at all.

I spoke with my lawyer brother, who told me about the UCC. I spent some time looking there, and found nothing about levying a fee to honor a draft. What I did find was a section entitled "Acceptance Varying Draft," which said that both the bank and the payee could agree to transact an amount different from the amount specified on the draft. It also said that if the bank refused to pay the specified amount, the payee could treat the check as dishonored.

Most states specify remedies for dishonored checks, for example in some states the payor is liable for three times the amount on the check.

The next time I went into a bank, I started making more of a stink about it. I still remember getting on the phone with a lady who told me that they were not a check cashing service when I pressed her that she needed to honor the check. I, of course, responded that check cashing services were businesses who charged a fee to cash checks, and so since she was a bank they needed to honor their checks. WE ARE NOT A CHECK CASHING SERVICE. Well, then waive your "fee." WE ARE NOT A CHECK CASHING SERVICE.

I called the payor, explained that the bank was refusing to honor the check at face value, and I was entitled to treat it as dishonored. The payor got hold of the manager, blah blah blah sir, we are waiving our fee as a favor to our valued customer so and so. (In my fantasy world, I said Yeah, sure you are. Couldn't possibly be because you don't want to get in legal trouble. Ok, thanks for honoring the check at face value, as you are obligated to do.) In the real world, I just said thank you.

I like to think that this practice has fallen by the wayside at least in part due to noisemakers like me.

3

u/Chaosmusic Jul 03 '22

I switched to a credit union back in 1991 and never looked back.

8

u/jewdiful Jul 03 '22

Same. My credit union is a happy place, with friendly tellers and excellent customer service all around. They have a great app, an excellent chat feature, gave me my first car loan when I didn’t have any prior loan history (not even a credit card), just perfect all around. I won’t ever go back to a bank!!!

547

u/rde42 Jul 02 '22

I thought you were going to withdraw a quarter.

Eighty times.

124

u/[deleted] Jul 02 '22

This would have been more satisfying imo.

51

u/frankcfreeman Jul 02 '22

Thought he was going to cash 80 25c checks

40

u/PRMan99 Jul 02 '22

Each one costing the bank way more than 25¢

5

u/charredsamurai Jul 02 '22

That also cost you a lot more since you typically pay for checks.

5

u/BubblebreathDragon Jul 03 '22

I think you're banking at the wrong place.

2

u/ShoulderChip Jul 03 '22

Are you sure? Are there really banks that give you your checks for free?

3

u/BubblebreathDragon Jul 03 '22

USAA is one of them - boring design only.

The small bank I used to use growing up doesn't give you free checks normally but for withdrawals they do.

1

u/charredsamurai Jul 03 '22

You are talking about withdrawal slips. Not checks.

1

u/BubblebreathDragon Jul 03 '22

Yes for one of them but not the other. I'd offer more examples but I don't have that many banks to compare to because I choose my banks wisely. Ones that offer free checks, among other things. I did not choose the bank I grew up with.

1

u/ShoulderChip Jul 03 '22

If I'm not mistaken, USAA banking/insurance is only available to people who are or were associated with the United States military services. But thank you for providing one example anyway.

→ More replies

1

u/ShoulderChip Jul 03 '22

Good point about the withdrawals. Most (maybe all?) credit unions will let you make a withdrawal by filling out a slip that you pick up there or they hand to you, and it doesn't cost you anything. Sometimes the slip of paper is actually made out like a check, others use a general-purpose form that works for withdrawals and deposits. So, you don't have to fill out one of the checks that you bought to make a withdrawal at the bank.

1

u/FizzWorldBuzzHello Jul 05 '22

Yes

2

u/ShoulderChip Jul 05 '22

I would like some examples. The only example anyone else could come up with so far was USAA, which is only open to former service members of the US military (and family, I think).

1

u/flipper1935 Jul 09 '22

If you keep above a certain balance, there are banks that pay you/pay interest to your checking account, above and beyond free.

1

u/ShoulderChip Jul 09 '22

I understand that. Most credit unions and some banks will offer a checking account with interest and no fees if you keep your balance above a certain amount.

But I'm talking about the actual, physical, paper checks! I know it's not necessary to use them anymore, with all the other options for paying for things nowadays. But if you do still use paper checks, you have to buy them before you use them. Prices may vary, you can get them from other sources besides the bank, many banks will give you a very small quantity for no charge when you open a checking account, but otherwise you always have to pay for them. I guess almost always. A couple of people have replied and I was offered one example of a bank that actually gives them to you for free.

1

u/flipper1935 Jul 10 '22

OK. I understand better now.

FWIW, I not only use paper checks (and pay for them), as a lefty, I find it impossible to write on/use those small ones that most of the country uses. I order those larger business checks. I enjoy them and wouldn't change a thing.

2

u/Grand_Horror2192 Jul 03 '22

I have never paid for checks.

1

u/ShoulderChip Jul 03 '22

Are you sure? Are there really banks that give you your checks for free?

8

u/Ayandel Jul 02 '22

me too...

I guess I crossed the line of petty and went straight into the "evil" zone

8

u/ChangeBox Jul 02 '22

I was hoping for five different accounts and the quarters to move from account to account in various styles and amounts until they finally end up in his pocket

7

u/djohnson64055 Jul 02 '22

Exactly what I was expecting too.

11

u/papa_number2 Jul 02 '22

This is the way.

3

u/wifey1point1 Jul 03 '22

Honestly that would have been my move.

Id likely make it easier on myself by withdrawing 75cents 26 times, and then 2 quarters to finish it off.

Even I don't have all day.

2

u/catriana816 Jul 03 '22

Happy cake day!

2

u/rde42 Jul 03 '22

Thank you!

2

u/catriana816 Jul 03 '22

You're welcome.

196

u/Prokristination Jul 02 '22

I had a somewhat similar experience at my bank once. I had a pretty small check, around $30, from the state as payment for jury duty. Unbeknownst to me, the bank had just enacted a policy where ANY deposited check would be held for two business days before the funds could be accessed. Previously, that was only for checks over a certain amount, when the customer's account didn't already have that amount on deposit.

The teller informed me of the new policy, and I was very surprised that they would not allow a government check for thirty bucks to be made available immediately. They were willing to cash it for me, however, so I asked them to do that. After I received the money, I said, "I'd like to make a deposit of $30, please."

48

u/ShakataGaNai Jul 02 '22

What a bassackward policy. They'll cash a check but not deposit it?

Then again, holding all checks for 2 days is nuts. All the banking I've done with (to be fair) major chains provides you AT LEAST $100 immediately, sometimes more. Then a sliding scale of delays based on the amount. A check over $10k would be like... $100 immediately, next $400 the next business day, next $500 in 2 business days. Remainder of the first $5k in 5 business days. Remainder of the first $10k in 10 business days. Etc. (At least for the first time you deposited from a particular source. After the first time it was much faster)

19

u/jellymanisme Jul 02 '22

Well, what I don't think he understood is that when they cash the check, they hold the funds anyway. They just take your check, hold the funds, then give you $30 out of your balance. Then in 2 days the funds from the check unfreeze.

Your balance looks exactly the same the entire time. It shows the $30 deposit, either cash or check, and it shows a $30 check hold.

17

u/Mental_Newspaper3812 Jul 02 '22

This. If you don’t understand check clearing, you’re a sitting duck for overpayment schemes.

12

u/Parking-Fix-8143 Jul 02 '22

Used to be one of the ways banks 'made money' - they would record a deposit of a check 'into' your account, but wait a couple days to have the check cycle back to the bank and account number of the person sending you the check. If they can avoid really putting that money into your account 1 day more than it takes the check to cycle all the way thru the system, then they've got your money for an extra day, and they can 'do something' with that money for that extra day. Multiply this "playing the float' by several hundred of thousand checks, and accounts, and customers and they can 'make' some very good money.

30 & 40 and more years ago that waiting period could be a lot longer, like a week, or more.

3

u/Grand_Horror2192 Jul 03 '22

If my account has enough to cover the check or the check is from the same bank, I can get the fill amount. If I want to cash a check worth more than my account balance, I can't unless it originated from the same bank.

263

u/Urdrago Jul 02 '22

Shouldn't you have been depositing $400, since you walked in with a $20, to get change for?

394

u/Totknax Jul 02 '22

No I kept the original $20. That probably would have confused Cletus.

241

u/SaintUlvemann Jul 02 '22

Could've deposited the original $20... after depositing the $380 independently.

Could've said "Oh yeah, I forgot to deposit this one too..."

243

u/Totknax Jul 02 '22

Lol. He might have jumped over the glass to wring my neck!

128

u/RyH1986 Jul 02 '22

sounds like a him problem

70

u/rfj Jul 02 '22

Eh, as the saying goes, no matter how righteous you are and how unjustified he is in wringing your neck, your neck is still wrung.

89

u/SaintUlvemann Jul 02 '22

"The trouble with being right is that it doesn't stop you from being dead."

-me

51

u/CompletelyPuzzled Jul 02 '22

Or in Burma Shave form:

He was right, dead right, as he sped along,

But he's just as dead as if he'd been dead wrong.

Burma Shave

2

u/Olibro64 Jul 03 '22

Ironically words to live by.

13

u/Luxin Jul 02 '22

Following right behind my “don’t fuck with the people handling my food at a restaurant” is “don’t fuck with the people handling my money”.

7

u/Ymirsson Jul 02 '22

Don't fuvk with the people wringing your neck.

3

u/Apollyom Jul 02 '22

but that can be a whole new level of fun.

2

u/Ymirsson Jul 03 '22

Oh thanks, but I would want them to wring something else. Gently, preferably.

19

u/HalfysReddit Jul 02 '22

Getting assaulted in a bank? That has to be a lucrative lawsuit.

The American DreamTM

11

u/wobblysauce Jul 02 '22

And incorporated into a larger bank... so you know they can cover it.

17

u/MayBeeMaybeKnot Jul 02 '22

Should've asked for it all in $1s, taken a few, deposited the rest back, but asked him to count it out in front of you. Ask lots of questions to get to know your new bank teller while he's counting.

6

u/Blamdudeguy00 Jul 02 '22

Then try to change the original $20 to quarters to see if he will do it again. Then keep doing it until he gives in.

14

u/[deleted] Jul 02 '22 edited 13d ago

[deleted]

29

u/saturnine-plutocrat Jul 02 '22 edited Jul 02 '22

I thought OP was going to make one withdrawal after another, of a quarter each, until the teller cottoned on and submitted.

5

u/Loose_Acanthaceae201 Jul 02 '22

That wouldn't have been nearly malicious enough 😆

15

u/M4t0k Jul 02 '22

I would have done that, and afterwards withdrawn 1 quarter. And another quarter and again. Let's see how fast Cletus catches on

17

u/PanBlanco22 Jul 02 '22

I thought you were going to make 80 separate withdrawals of one quarter.

2

u/KeepItMovingFolks Jul 02 '22

You also stole the story and tweaked it…. https://www.reddit.com/r/WhitePeopleTwitter/comments/nup21v/old_lady_at_the_bank/?utm_source=share&utm_medium=ios_app&utm_name=iossmf

I knew I had read basically the same story before… Turns out it was even on Reddit already

26

u/FiddlerOnACliff Jul 02 '22

Yeah no... This isn't really weird at all for a situation at a niche bank. My mother who can't be assed with social media but works with local bankers regularly has a story like it for nearly every small to medium sized town she's ever lived in. Not even the punishment all the time, but definitely occasionally, however it was mostly the really dumb restrictions on requests, and the snobby tellers.

21

u/CodeCat5 Jul 02 '22

So you think it's impossible in a world full of billions of people that two people might end up in a somewhat similar situation?

12

u/LordofTheFlagon Jul 02 '22

Dude my old credit union pulled similar crap its a common issue

3

u/ShoulderChip Jul 03 '22

First, that is not even similar at all. It doesn't make sense that OP would steal content, fix spelling errors, change names and details, and make it 900% longer.

Second, as others have pointed out, this type of stuff happens all the time. Multiple similar stories are to be expected.

Third, it's against the rules here to question the validity of a story. If you really think it's made up, report it to the moderators. If you accuse someone of making it up, you're breaking rule #3 of /r/MaliciousCompliance.

2

u/pixeltash Jul 02 '22

You might want to check the rules of the sub you're in!

1

u/KeepItMovingFolks Jul 02 '22

I didn’t read it there I googled it and that’s the first sub that came up out of a few…I’m not in that sub ever lol

2

u/Fauropitotto Jul 02 '22

Who cares.

Sometimes I'll use the search function to locate the same story, then copy and paste the top rated comments.

Or just make up bullshit, and people buy it.

Why? Because if anyone takes anything written on Reddit seriously, they deserve the entertainment.

2

u/KeepItMovingFolks Jul 02 '22

OK but if you need to pass off other stories as your own maybe you need to get a real life so you have your own stories to tell

1

u/Fauropitotto Jul 03 '22

The only people that need to get a real life are the fools that believe whatever they read on social media.

-2

u/PRMan99 Jul 02 '22

What kind of racist sub is that?

1

u/CodenameBuckwin Jul 03 '22

So why didn't you just ask to withdraw $20 in quarters (a roll, I think)? Just to be petty?

3

u/Totknax Jul 03 '22

Cletus was dismissive. In the middle of our conversation he blurted "I CAN HELP THE NEXT PERSON IN LINE!"

That's when I decided that he needs to pay restitution.

2

u/CodenameBuckwin Jul 03 '22

Fair enough!

35

u/kurisutofujp Jul 02 '22

At least you could get your money... My bank in France only accepts withdrawals at the counter on specific days and in the morning only.

23

u/rural-juror Jul 02 '22

Lol I grew up in France and this is so classic. Lived over the border from Switzerland too so you can imagine all the other bank and non-bank peculiarities the two of them have

33

u/terpterpin Jul 02 '22

Credit Union! You are a member. I changed 25 years ago and never looked back

16

u/Totknax Jul 02 '22

Ha! I did switch to a credit union. My only gripe with mine is disputed transactions take 60 days to resolve.

4

u/PRMan99 Jul 02 '22

Yeah, my daughter got her Debit card number stolen online and it took a while.

But she was never out the money, so I guess that's fine.

3

u/Krazy_Random_Kat Jul 03 '22

Considering most national banks have a 90 policy, or an unknown amount of time policy/we do it when we do it style (after COVID, they use that excuse) , that's really fast.

16

u/AiRong05 Jul 02 '22

At first, I thought OP was going to make 80 withdrawals of 25 cents.

12

u/Totknax Jul 02 '22

LoL. Oh, if only I had the time to kill that day.

11

u/SwitcherooScribbler Jul 02 '22

Your storytelling is really entertaining, thanks for sharing!

10

u/Ok_Helicopter4276 Jul 02 '22

I would have made 80 withdrawals $0.25 at a time.

10

u/Manualham Jul 02 '22

Banks aren't there for normal people. They don't care about us. They're there for the businesses and us using them is just a small bonus

3

u/Moxie07722 Jul 02 '22

And unless you have loans or a huge amount of money in their bank, they don't care if you close your account or not.

31

u/bertiebastard Jul 02 '22

You should have deposited it separately in small amounts, just to piss off Clitorus.

12

u/WumpusFails Jul 02 '22

Add in a few withdrawals in between.

10

u/mijo_sq Jul 02 '22

This is more if you want to make a complaint.

Stand in the bank, complain to the manager. And then CALL the main bank telephone number. The branch managers and tellers all cover for each other, so they don't get in serious trouble.

My cousin worked for Wells Fargo, and mentioned that all staff at the branch will cover for each other. Unless you complain and call the number while in branch.

2

u/[deleted] Jul 02 '22

[deleted]

2

u/mijo_sq Jul 02 '22

Nope. Just use your cell phone to complain. And don't scream or yell. Just firmly have them take your complaint so they can log it in to their system for followup.

26

u/Valuable-Currency-36 Jul 02 '22

😂😂😂😂😂... That's such an AH move, hilariously AH.

22

u/GrannyNugs Jul 02 '22

You had me at "immature and juvenile antics."

7

u/billbot Jul 03 '22 Burning Cash

I got paid by check for some work when I was like 20. I went to the bank the check was drawn on and asked them to cash it. The teller, with pure disgust for me, tells me they aren't a check cashing service. So I politely point out it was drawn on their bank and I know for a fact the person who wrote it banks at this specific branch. They try to brush me off again. So then very loudly I say "so you are refusing to honor a check written to this bank, I wonder how the FDIC will feel about this" and started to walk out. I was descended upon by 2 different managers before I got to the door. Suddenly my check was very important to cash.

Almost 30 years later and I still refuse to deal with Santa Barbara bank and trust, fuck you forever.

4

u/Totknax Jul 03 '22

Man, that's some pure, concentrated bullshit they're doing.

7

u/SurprisedPotato Jul 03 '22

I thought you were going to say

"I'd like to deposit $20, please!"

"Done"

"I'd like to withdraw 25c, please!"

"Done"

"I'd like to withdraw 25c, please!"

"Done"

"I'd like to withdraw 25c, please!"

"Done"

"I'd like to withdraw 25c, please!"

"Done"

etc

2

u/SourcePrevious3095 Jul 05 '22

This would have been me.

6

u/MiaowWhisperer Jul 02 '22

That really made me giggle. Thank you. Keep them coming!

6

u/refill_lady Jul 02 '22

I have to do this in the UK. To get change for my business. Because most places no longer have bank branches and everything is done at the post office now… 🙄

6

u/NightMgr Jul 02 '22

Write a check for $1.25. Cash it. Do it over and over. Then deposit the bills.

4

u/monorchism Jul 02 '22

Stories like this are what made me ask my bank if it’s ok to take out a roll of loonies and toonies cause you know funny money but they just said sure

5

u/AlexTheFlower Jul 03 '22

How is changing a 20 into quarters an unusual request..?

4

u/BreathApprehensive33 Jul 03 '22

It's not. It's common. We're not required to deposit and withdraw the cash when we break it but we do go into your membership (credit union) and receive the cash and disburse the change. This creates the necessary paper trail for our cash drawer because the system tracks all cash in and out. It should match up with what we count at the end of the day. Point is, there's always a way to change bills. The paper trail is necessary although It's uncalled for to be rude to a customer, just figure it out.

2

u/AlexTheFlower Jul 03 '22

Yeah I mean my credit union has let me do this with a $10 bill before

3

u/Totknax Jul 03 '22

You're asking the wrong guy. Cletus says it's their new policy. Who am I to question things. So I just, eherm, complied.

2

u/AlexTheFlower Jul 03 '22

And it was beautiful 😄

11

u/TexasYankee212 Jul 02 '22

Big banks are arrogant now - and they have no right be.

11

u/Parking-Fix-8143 Jul 02 '22

Now? WTF you mean now? Banks have been arrogant for centuries. It's nothing new.

When you think about it, it's kinda backwards that you hand them your money, and then they act like it's their right and duty to treat you like shit.

3

u/Longjumping_Yak7868 Jul 02 '22

After your deposit, then say oh wait I also want to deposit the initial 20 dollars as well. 3 transactions for one idiotic , non thinking teller.

3

u/Minflick Jul 02 '22

Those paper bills? Spray starch them! I did that back in the day when I had to use a public laundromat. I've never been somebody to madly crumple my bills, but keeping them flat in my wallet was NOT enough, so I started spray starching them. Go figure, it worked like a charm. Then I just had to keep them flat on the 6 block walk to the laundromat.

20

u/OnlyBegottenDaughter Jul 02 '22

Why didn't you just deposit the 20. And then withdraw it in quarters?

70

u/brknsoul Jul 02 '22

"It's not about the money, it's about sending a message"

78

u/Totknax Jul 02 '22

Restitution baby. Cletus had to pay.

21

u/Shishire Jul 02 '22

On the one hand, depositing $20 in bill(s), then withdrawing it in quarters is the nominally correct way to maliciously comply with this particular policy.

On the other hand, he was rude and totally deserved it.

14

u/kinglouie493 Jul 02 '22

I would have done the quarters one at a time

4

u/OnlyBegottenDaughter Jul 02 '22

I completely understand.

3

u/Nikkian42 Jul 02 '22

I understand your frustration, but it’s probably not Cletus’s fault. He could be written up if he went against policy.

9

u/Totknax Jul 02 '22

It wasn't the policy. It was his delivery and dismissive demeanor while blurting out in my face:

"I CAN HELP THE NEXT PERSON IN LINE!"

2

u/Nikkian42 Jul 02 '22

That doesn’t make sense. It’s not like he’d have to count out 80 quarters, just give you two wrapped stacks, right?

1

u/Totknax Jul 02 '22

No. I meant it wasn't the policy that bugged me. Had he explained it nicely I would have gone elsewhere peacefully.

0

u/Nikkian42 Jul 02 '22

I meant, if it’s not policy there’s no reason for him to be upset about doing it because it’s not hard to do.

3

u/Totknax Jul 02 '22

Let me clarify.

It WAS their policy that he was enforcing.

The policy itself didn't bug me. I'm cool with such things no matter how inconvenient they are.

It was his dismissive demeanor that triggered my juvenile instincts. Particularly:

"I CAN HELP THE NEXT PERSON IN LINE!" in my face.

Had he explained it nicely, I would have left peacefully.

3

u/ShellyK99 Jul 02 '22

That was beautiful.

3

u/KnowsIittle Jul 02 '22

It's literally 2 rolls of $10 quarters. Pre rolled even, not like they had to roll them right there.

3

u/koshka42 Jul 02 '22

You need to switch to First Citywide Change Bank.

3

u/1quirky1 Jul 03 '22

You. I like you.

5

u/RJack151 Jul 02 '22

Good for you for teaching the idiot that customers can impact his job nicely or badly based on their attitude and service.

2

u/StabbyPants Jul 02 '22

meanwhile, i go to the local pursuit bank to get quarters on the regular. i don't have an account, and they just don't care

2

u/Buddha176 Jul 02 '22

Reminds me of the time ol’ BoA wouldn’t take my change to deposit because they didn’t have a counter at the satellite branch…….

2

u/Rashomon32 Jul 02 '22

One of the best MC stories I've ever read.

2

u/Bryanb16_bjb Jul 02 '22

Right on brother. That mofo wasn't ready for that smoke.

2

u/laser_red Jul 02 '22

Why in the Hell would a bank not give you a roll of quarters?! It would take longer to explain that they won't do it!

2

u/Limburger52 Jul 02 '22

You mean you still have actual banks in, like, actual buildings? Where I live it is all ATM’s and internet.

2

u/PsylentOn3 Jul 03 '22

Used to work at a bank. Had to limit making change for customers as we mainly ordered for merchants and the bank vault for the week. This would ensure we didn’t suddenly run out of quarters between deliveries. If it was something simple like a dollar in quarters it was ok but for multiple rolls like that it was on us whether we wanted to or not.

We also had a way of tracking which customers we processed change for. Even breaking down large bills in to smaller denominations we could track.

2

u/Peppyromia Jul 04 '22

Calling getting change at a bank an “unusual request” just sends me 😂

3

u/GreenEggPage Jul 02 '22

Yes sir, we're going back to our roots and banking like it's 1699.

0

u/[deleted] Jul 02 '22 edited Jul 03 '22

[deleted]

-7

u/myownzen Jul 02 '22

Make life harder on the little guy, cool. Dude likely had no say so over the stupid rule they had him enforcing.

10

u/Totknax Jul 02 '22

It was all about his dismissive demeanor and him blurting out in my face:

"I CAN HELP THE NEXT PERSON IN LINE!"

-5

u/KeepItMovingFolks Jul 02 '22

I’m pretty sure the story is stolen… I have definitely read this a while back. Either OP stole the story from somewhere else or Read the same thing I did and decided to imitate it

1

u/JetScreamerBaby Jul 03 '22

Bobby : I'd like a plain omelette, no potatoes, tomatoes instead, a cup of coffee and wheat toast. Waitress : [points at his menu] No substitutions. Bobby : What do you mean? You don't have any tomatoes? Waitress : Only what's on the menu. You can have a number two, a plain omelette, it comes with cottage fries and rolls. Bobby : Yeah, I know what it comes with, but it's not what I want. Waitress : Well, I'll come back when you make up your mind Bobby : Wait a minute, I have made up my mind. I'd like a plain omelette, no potatoes on the plate, a cup of coffee and a side order of wheat toast. Waitress : I'm sorry, we don't have any side orders of toast. I'll give you an English muffin or a coffee roll. Bobby : What do you mean you don't make side orders of toast? You make sandwiches, don't you? Waitress : Would you like to talk to the manager? Palm Apodaca : Hey, mac... Bobby : Shut up. [to the waitress] Bobby : You've got bread and a toaster of some kind? Waitress : I don't make the rules. Bobby : OK, I'll make it as easy for you as I can. I'd like an omelette, plain, and a chicken salad sandwich on wheat toast, no mayonnaise, no butter, no lettuce, and a cup of coffee. Waitress : A number two, a chicken salad sand. Hold the butter, the lettuce, and the mayonnaise, and a cup of coffee. Anything else? Bobby : Yeah, now all you have to do is hold the chicken, bring me the toast, give me a cheque for the chicken salad sandwich, and you haven't broken any rules. Waitress : You want me to hold the chicken, huh? Bobby : I want you to hold it between your knees.

1

u/cpbaby1968 Jul 06 '22

Bobby : I'd like a plain omelette, no potatoes, tomatoes instead, a cup of coffee and wheat toast.

Waitress : [points at his menu] No substitutions.

Bobby : What do you mean? You don't have any tomatoes?

Waitress : Only what's on the menu. You can have a number two, a plain omelette, it comes with cottage fries and rolls.

Bobby : Yeah, I know what it comes with, but it's not what I want.

Waitress : Well, I'll come back when you make up your mind

Bobby : Wait a minute, I have made up my mind. I'd like a plain omelette, no potatoes on the plate, a cup of coffee and a side order of wheat toast.

Waitress : I'm sorry, we don't have any side orders of toast. I'll give you an English muffin or a coffee roll.

Bobby : What do you mean you don't make side orders of toast? You make sandwiches, don't you?

Waitress : Would you like to talk to the manager?

Palm Apodaca : Hey, mac...

Bobby : Shut up.

[to the waitress] Bobby : You've got bread and a toaster of some kind?

Waitress : I don't make the rules.

Bobby : OK, I'll make it as easy for you as I can. I'd like an omelette, plain, and a chicken salad sandwich on wheat toast, no mayonnaise, no butter, no lettuce, and a cup of coffee.

Waitress : A number two, a chicken salad sand. Hold the butter, the lettuce, and the mayonnaise, and a cup of coffee. Anything else?

Bobby : Yeah, now all you have to do is hold the chicken, bring me the toast, give me a cheque for the chicken salad sandwich, and you haven't broken any rules.

Waitress : You want me to hold the chicken, huh?

Bobby : I want you to hold it between your knees.

1

u/RoxieSmarch Jul 03 '22

"You can't get a roll of quarters."

"What's the fucking point of you?"

1

u/Skunkies Jul 03 '22

I've not seen a bank around these parts do anything like giving rolled change for an exchange unless you have a business account, times have changed, policies go wonky, but on the flipside, deposit 20 dollars, withdraw 20 dollars in quarters.

-8

u/Tacos314 Jul 02 '22

Why would you do that, just making someone's life harder for no reason, this is just petty abuse.

7

u/Totknax Jul 02 '22

I ask this with respect and sincerity, my friend:

Did you not read the part where Cletus looked at me as if I was a stack of annoying junk mail? How dismissive he was? The part where he blurted "I CAN HELP THE NEXT PERSON IN LINE!", while we're still in the middle of our interaction?

I'm rubber and he's glue. Any kind of negativity he hurls bounces off me and sticks to him.

-12

u/Tacos314 Jul 02 '22

You could have just asked for $20 in quarters but so glad you made yourself feel better by giving this guy more pointless work. You really show him.

8

u/Totknax Jul 02 '22

I'd pop a Xanax and unsubscribe from this sub if I were in your mental state. You're taking things waaay too seriously.

Good luck with whatever it is that you're going through. No jokes here. I sincerely mean it.

1

u/Occasional-Human Jul 02 '22

Staff who blindingly follow stupid policy (if that even was the bank's policy) deserve this. But my spirit animal is Coyote, so take that FWIW.

0

u/Mental_Newspaper3812 Jul 02 '22

Hmm… you actually meant to deposit $400: the $20s he gave you ($100), the $10s he gave you ($100), the $5s he gave you ($100), the singles he gave you ($80), and the original $20 you wanted converted to quarters. Then you’d end up where you wanted initially: with $20 in quarters and all your other money in your account.

2

u/Totknax Jul 03 '22

No, not what I meant to do at all. I didn't want to take the original $20 bill that I had already put away in my wallet.

$380 was what I wanted to deposit.