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<p>[QUOTE="CamaroDMD, post: 581750, member: 5233"]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. </p><p><br /></p><p>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. </p><p><br /></p><p>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.</p><p><br /></p><p>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.[/QUOTE]</p><p><br /></p>
[QUOTE="CamaroDMD, post: 581750, member: 5233"]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.[/QUOTE]
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