Posted by docmirror on August 07, 2017 at 18:29:48 from (107.213.165.255):
In Reply to: Riddle me this???? posted by Greg1959 on August 07, 2017 at 09:02:59:
Quoting Removed, click Modern View to see
I had to have kind of a chuckle after reading this. Poor old banks. The whipping boy of the customer, and they need some kind of exceptional understanding.
Made me go look up Chase 10Q. Those poor bas - they made >27% profit on income of $26.5 BILLION. In one financial quarter. I'm sure they are on the edge of financial ruin if they take a check drawn on one of their depositors without some kind of fee.
People come in to a bank, they put their money in, trust it will be avail when they want it, and are insured against loss for the depositors money by the feds! As soon as the money crosses the rubicon, the bank can do whatever they want with it, so long as they meet the liquidity and some other boilerplate regs.
I'm no kind of 99percenter, and no kind of socialist, but pleading penury and asking a guy for a buck to cash a check on their own bank seems to me to be a bit churlish. And yes, BofA made the same numbers, but THEY didn't require ME to get my credit checked. If that's to stop some kind of ID theft, I don't see how. I've got my SSN, address, photo ID, and if I have all that, and not who I say, it's a sure bet my Experian numbers are gonna check out.
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