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<p>[QUOTE=&quot;NorthKorea, post: 1578393, member: 29643&quot;]I snipped most of your quote because the last two statements are the crux of the issue:</p><p><br /></p><p>1) Financial institutions have a fiduciary obligation to account holders.</p><p>2) Accepting exchanges from strangers off the street isn&#039;t in the best interest for financial institutions, as it exposes them to fraud.</p><p>3) If you don&#039;t have an account with a bank/credit union, it is ALWAYS in their best interest to not service your change requests. I could understand if you took $100 of the $300 and opened an account, but you didn&#039;t.</p><p><br /></p><p>Anyone else who feels this way about banks should open up a bank themselves. Then they can service all the non-revenue transactions that come in off the street.</p><p><br /></p><p>Let me ask you this: Have you ever opened an account with a bank that you felt entitled to receive change from? I try to open an account in any city I visit where my bank doesn&#039;t have a branch or servicing agreement with a local bank. Why? It usually only takes $50-$500 to open an account, and that gives me access to banking resources if needed.</p><p><br /></p><p>I currently have accounts in the US, Thailand and Japan. Why? Because their ATM networks don&#039;t really communicate with each other, and I hate paying ATM/exchange fees if I don&#039;t have to.[/QUOTE]</p><p><br /></p>

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