It used to be that if a teller asked “Do you have an account with us?”, a “no” answer would provoke a spiel to open an account, but that was it.
However, just this morning, a Bank of New York teller refused to cash a paycheck for me because although the company had an account there, I didn’t have a personal account with them as well. She gave me quite an attitude, so I threw a little snit, mentioning that my boss is friends with the bank manager… and after getting shuttled over to the manager and showing my driver’s license, the manager cheerily signed off on the check and it was (grumpily) cashed for me.
Now, I’ve had other banks balk at doing things like sell me a roll of quarters. While that’s annoying, I can sort of understand that, especially if the branch caters to small local businesses that need coin. I can also understand (although I would grouse) if they wanted to charge a fee for cashing the check. But in this case, the money was earmarked for me from funds held by one of its own accountholders, so why the fuss at giving me my money at all? I would have gotten the money eventually anyway via a deposit of the check to my own bank (Bank of America). Is it that much easier for them to try to strong-arm me into opening an account (so that I can get any service at all), rather then try to entice me into doing so?