Has this ever happened to you at a bank?

"9/11" has become an excuse for all kinds of deviant behavior.

 

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What happens if you just say yes LOL

 

They probably wouldn't even check.

 

Lol :d

 

I personaly dont belive banks should be able to refuse to change value for value. I get the same ting around here. While I was driving a truck over the road I got it a lot. Whats the harm. they don't lose any money so to speak. Yes it coast money to roll the coins and to transport the coins. That coast is made up else where.

 

You gotta love this logic :rolling:

This is why people drive after 2 beers; drive 9 miles over the speed limit; and only steal small things. Eventhough it's the law (or policy) they don't take the rules seriously ("it didn't really matter to me") or thought that the rules don't apply to them.

Go figure.

I'll just bend the rules ...a little bit.

 

Some dfference there though Andrew, drink driving can hurt people, stealing will cause pain, speeding can be dangerouse.
Giving someone some change could be looked upon as a service and can also reflect well on the bank

 

Banks are private businesses just like everything else. They can cater to anyone or refuse service to anyone they choose.

My hope was that if I was nice to them and helped them out a bit...maybe they would open an account. I liked being the friendly teller.

So, tell me what is the right answer then. If you go into a bank and are denied rolled coins because you don't have an account it is wrong. But if you go into an account and the teller is nice enough to give you a couple rolls despite not having an account...it's still wrong. Maybe we coin collectors should stop visiting banks we don't have accounts at then.

Don't give me this "rules don't apply stuff to them" stuff. I took my job very seriously. I'm sure you have never broken any rule in your life.

Let me give you a real scenario which happened to me at the bank several times. Very rarely did I get someone to ask me for a roll to look through for their coin collection.

We would often get non-customers to come in and cash their checks. If their check was drawn off our bank we would cash it for them for a $5 fee (which I always thought was ridiculous). Now, most of the people who did this were poorer (the bank was in a more impoverished area) and they couldn't afford to have an account (likely because they owed someone money). They lost $5 every time they cashed a check as was bank policy. Sometimes one of them would ask for a roll of quarters for laundry...which was against bank policy to give them because they weren't account holders. What would you do in that case? Would you follow the minor rules to the letter and tell them no...or would you be nice and give them one roll. The vast majority of rolls I gave to non-customers were situations like this. I think I did the right thing...you may disagree, but don't talk to me like I'm a criminal for helping people.

Exactly, maybe that person would think the bank is nice and open up an account there. Now, I wouldn't give any if I was running short...but if I had a little extra it didn't hurt.

 

It must be my military training or maybe it was law school but I was brought up to respect all rules and those that made them. Sure, I might not always agree with them but I never thought "it really didn't matter to me" or that I had the right to pick and choose which rules I could and could not "bend." That was not open to interpretation. I respected and followed all rules equally.

Common sense would tell a reasonable person that if you don't have an account at a bank ... don't go asking for rolls. That is a service that is reserved for customers. It never ceases to amaze me why people continue to do this ..I mean duh ..it's only common sense.

DeOrc - you took my examples to litterally. Those are all examples of rules that people "bend" by coming up with some sort of rationalization that makes it alright to do in their own minds.

Camaro - there are no minor rules and yes, I would not give them change or I give them ones so that they could get change at the laundry. It's not my responsibility as a bank teller to help them get their clothes cleaned.

When people place themselves above the rules and start deciding what to follow and what to ignore..that's what I take issue with. Apparently, I'm in the minority and that's cool.

We all do what we gotta do.

 

Stupid response by me so I edited it LOL

 

So, Andrew, I take it you believe I have no common sense since I started this thread and since I go to several banks to ask for rolls. Funny, my common sense thought that an even exchange, $10 for $10, seemed OK. And, the couple of banks that were nice to me about it, I suppose if they get my business (meaning I open an account with them) in the future, it would be, duh, because of their common sense to provide a service to a "potential customer." Some may consider that good business.

As far as saying that I have an account when I don't, I guess that honesty thing would bother me. I couldn't do that. But, I have found 4 banks, in addition to my own, who will sell me coins at face. Since I haven't been asking for rolls for a very long time, when I encountered the 9/11 line and the "No" at the one bank, I was surprised. Many of you have responded with ligitmat reasons why they would say no.

Thanks.

Bob

 

This is ridiculous, what about being a human being,

This is ridiculous, what about being a human being? Maybe I read you wrong but why in the world would you not give these people a roll of quarters if you had them to give, my God man what's wrong with you.
All rules are made to be broken and many times it is more ethical to break a rule than adhere to one. I mean what in the world our you trying to say? It reminds me of those that said, I was just following orders!
If you run a bank and if it's open to the public then I will go in and ask for coin - what's the harm? Now I will not go back if they refuse me once - but there is no sign on the door that says, for account holders only or some B.S. like that, who cares what there minor policies are? Heck I'm not robing the place - this is America we are free to pursue any activity as long as it is legal - you make this (a banks policies) sound like it's something important. It is not, it's stupid and frivolous!

 

I'm compelled to say that neither military training (for example 4 years of military high school and 3 years service in the Regular Army during Korea) nor law school (for example, class of '64 with honors) necessarily create prigs.

 

we keep talking about customers acording to my webster dictionary wich is old and most likley out dated a customer is one who buys things.... so to me the one who goes in to buy rolled coins is the customer not the account holder. i truley dont belive that a bank being open to the public should be able to refuse any one an even exchange. the account holders pay with intrest way more then the bank pays the acount holders intrest. there is in no way will the bank will lose money. as far as a bank or any other business goes in having the right to refuse service to any one at anny time is wrong they can only refuse business to a person who is or has caused trouble in there place of business. ie stealing, fighting or any of the manny other things that fall into that catagory. rember the money they are refusing to exchange isnt even theres it all belongs to the goverment ie. you and me so they are refusing to exchange you your money. this is the way the law reads about the money it is on loan to the public for all depts public and private. somthing to that efect. i dont rember the exact wording nor am i going to spend the time to find it.

 

That's odd. I've never heard of that happening. And over 11 dollars? Stupid bank.

 

teller who is usually happy to help anyone

Yes I am In southern California. We have some bank branches that won't deal with anyone that doesn’t have a account with them in anyway. I start my relationship with the request for half Dollars coins.
If I get some flack I point out that the banks usually like to get rid of them Just to get them off the shelve.
I always go in to the Bank Very nice and I go to the Merchant teller who is usually happy to help anyone. Asking for roll coins is a natural request. I have 1 Asian Bank that always have Half Dollars and I usually find 1-5 Silver a week

 

I had this happen last week at abank that had the new cents. They had alot of them and I asked for a $25 box and was asked if I had an account. So, I opened an account. It touk 10 min and I walked out of the bank with Two $25 Boxes and a free tuperware set. It was a good investment of time.

 

I'm sorry to say it, but your wrong (I say that with no intention of being rude). The definition of a customer is "One that buys goods or services." The only people that receive services from a bank are the members of that bank. Some banks may have little bit more lenient policies...but the fact of the matter is if you are not a member at the bank you are not their customer.

Why shouldn't a bank be able to refuse service? They are a private business just like anywhere else. The people who own, run, and work at private businesses have the same rights and freedoms as the people who patronize them.

Do I think banks are moral, no...I think banks are among the most corrupt institutions there are, but they have their rules. It's not just face value for face value remember. They have a machine that sorts the coins into bags usually at every branch, an armored truck picks up those bags, the bags go to a rolling facility and are rolled, armored picks them back up, takes them to a holding vault, and eventually they are taken back to a branch by an armored trucks. Each one of these steps costs the bank money. It is a free service they provide to their customers because the customers generate revenue to the bank. But, someone without an account is not providing revenue to the bank and as a result aren't necessarily entitled to the services the bank offers. It's true that the banks make more money than they lose (any business that survives does)...but you can't expect the same service if you aren't a member. It's just the way it is.

Now, I know I'm not a graduate of law school and I didn't service in the military so I'm terribly undisciplined...but I do understand why these banks have these rules. As a bank teller (or any other profession), sometimes its right to bend policies such as this to help others out and there is nothing wrong with that (it's not like it's a DUI). But, for the most part policies like this exist for a reason.

 

I don't search rolls but if I did, I would use banks that I had an account with. The story of a guy going into a bank and asking for rolls and getting turned away ..is a classic tale. There are hundreds of threads about just that. It shouldn't be a surprise. All I'm saying is that obviously it's not a good idea but you have to do whats good for you.

Thanks for your comment.

 

Thanks for taking the time to comment. This is America and a business has the right to serve it's customers. Getting change at a bank is not a right given to all American in the constitution but being able to state your opinion is and that you did is very much appreciated. Thanks