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<p>[QUOTE=&quot;treylxapi47, post: 1711710, member: 41863&quot;]Retail Market. I guess I should have been more specific. We retail fresh seafood. My service is free and in good faith all the way until the customers pays us. Sure we hope that they will pay us after helping them select their items, clean them to their specifications, and so on, but until that money is in the til, we are performing all services for free in order to gain that money at the end of the transaction. The only reason we finally do get the money is because of one simple thing.....CUSTOMER SERVICE. If that customer didnt feel treated properly and welcomed in our business then they have every right to abandon everything on the table and leave and never come back sticking me with god knows how much of a loss on their potential purchase (varies from case to case). Now if they came back in a second or third time I would continue to service them in hopes that I could make things right and gain a new customer to keep my business going (much like the bank, those tellers have NO idea, who or what that next customer may be about, what if i simply tested their generosity weekly to see if they were a good fit for me, and they turned me away after 2 or 3 times of making simple coin exchanges, since that would be the simplest transaction and a way for me to gauge their attitude). </p><p><br /></p><p>Your second bold item makes sense, but they are all business costs. I dont open my doors not expecting to have start-up costs and operational costs....business 101. But that plays very little role in keeping say an extra $5,000 on hand in cash and coins for change purposes, especially knowing that if a business runs out of change and needs your help there may come a day that an account is opened at that bank. The vault is a part of their start-up cost. No bank opens without some sort of security involved. So they shouldnt be making their customers pay for minor usage on something they use it for already, plus there is also SDBs that help cover that cost as well, among all of their other circus money making schemes banks use. </p><p><br /></p><p>Your next bold area is arguable too. You could say since this is OUR specific area of interest that there is a much higher concentration of folks actually using these types of services for their hobby gains on this website (and similar) than in real life. You just dont know and i bet their isnt a statistic out there that can be shown to actually tell us how many non account holders get change from any given bank, let alone a particular branch. Theres likely internal info on that, but i doubt any public information is available so its ALL speculation. </p><p><br /></p><p>To the comment about us having trouble getting serviced. That has never been the case. Our town is relatively small so everyone knows my father and myself, which is nice when you do need something in an emergency. Plus we also have several accounts around town because like my hypothetical earlier, we do not like to mix our personal, and various business accounts across banks. Im a third, my father a Jr, and grandfather a Sr. so we have always used different banks as to avoid confusion. Plus we have a couple of businesses besides our retail market. We operate a sizable yearly dollar amount restaurant attached to our retail market, so we keep those accounts separate. Just a simple case of what i demonstrated earlier. Now my local Bank of America branch is closing in 2 weeks (worst customer service for a national bank, but our branch was wonderful), so where do i give that nice account to? Surely not the one who has ever ONCE hassled me for some change or minor service, and this is precisely why the banks shouldnt do that, because my choice largely depends on my treatment. Sure you can say my half million dollar+ account doesnt matter to them, but i would know you are lying. Every bank in my town has tried to get that business, from the little banks to the large banks, they all want it, so even that little amount must make them something or they wouldnt try for it. So why should i give bank XYZ the time of day if they couldnt help me out on a Monday for change when i forgot all the other normal banks were closed for a small holiday like MLK day that we dont really pay attention to in the first place, but the normal banks observed. Nope bank TUV got it after i had to leave XYZ when i needed help.</p><p><br /></p><p>You see when all of you guys are speculating on what should and shouldnt be done in YOUR eyes, you dont ever stop to think that these situations occur in real life. My life is a great example of this, and I may very well be the exception to what I am trying to get across, but my point is that teller has no idea who they are dealing with and should make the effort to accommodate anyone, as they never know who they are talking to. You are right they DO represent the bank, and are usually people&#039;s first impression when dealing with a bank so they SHOULD make every conceivable effort to win new business for their company, and the banks shouldnt be shooting themselves in the foot over petty change and small services. You would think i was a bum most of the time based on my work attire, afterall its a fish market and clothes get torn, discolored, wet and nasty constantly so i dont always &#039;dress up&#039; when grabbing change, so you just never know who you are dealing with, nor would they suspect a 25 year old to be making these large business decisions, but here I am living proof. All you guys have is pure speculation. At the end of the day, you are right, i do not have any problems with any of our local banks as i said, most know us and we DO have or had accounts there. My point is they shouldnt turn folks away for some change when its the simplest function the bank does, and is easy enough to accomplish. The potential for a new client is what used to make all of that worth it, but they are so greedy now and have so much money (but ya know lots of banks failed a couple years ago, right? Who bailed them out?) that we are just nuisances to their money making ability (schemes). If they were serious about making money, more banks would take care of their customers instead of trying to CHEAT them constantly. Instead we see fees for this, fees for that, interest rates going up for little or no reason, term changes, exploitation of folks for loans to make them money, high risks for easy money deals, and the list goes on, i mean we even have national banks foreclosing on homes that were paid off. </p><p><br /></p><p>This whole thread is just another reason why we should keep our eyes on banks. Greed, greed, greed, greed, and more greed. </p><p><br /></p><p>In fact, my belief is ANY bank that EVER took any money from the government, be it for TARP or any other reason, has a DUTY to accommodate ANY and EVERY us citizen that requests a minor service, because without Joe Blow the tax-payer they likely couldve failed. </p><p><br /></p><p><a href="http://projects.propublica.org/bailout/list" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://projects.propublica.org/bailout/list" rel="nofollow">http://projects.propublica.org/bailout/list</a></p><p><br /></p><p>Is YOUR bank on that list, cause most of the big national names are![/QUOTE]</p><p><br /></p>

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