I hate it. That time, I didn’t know the barber only took cash, so I had to use the bank machine right outside the barber shop.
Note: also, I can’t use that trick with the convenience store. I get randomly charged fees as well. Sometimes the place doing it charges, sometimes the bank charges. It’s so annoying I never do it.
Afaik, there’s no regulation about when or how much a bank can charge in fees.
Early 90’s: when in Mexico I used ATMs, and Wells Fargo, while aware that the machines dispensed Pesos, still failed to acknowledge that the non-bank ATM fee should have been in USD. Didn’t find out until I got back and saw something like ten $27 non-bank ATM fees, one for each transaction.
That one took me about six weeks, the last day being my last banking day with Wells Fargo ever since.
Oh, and FYI: Bank of America charges no ATM fees for banking with Santander (MX), Scotiabank (Peru), nor Westpac (NZ). Probably other banks as well for countries I’ve never been to.
I bank in Japan; I get ripped off almost every day. Plus, ATMs close at night.
Bastards.
I got $20 once but it wasn’t the ATM’s fault. I noticed someone left a bill when I looked down to collect my withdrawal. There wasn’t much I could do other than put up a lost and found sign and it was late and night with no one around so I just kept it.
As I’m heading there soon, can you explain? :eek:
Fer the love of Og, why?
In the early-90’s, I was shorted $100 from a deposit I made at an ATM. The deposit was printed correctly on the printed receipt, I learned about the shortage because it caused a check to bounce. Fortunately, this was back when banks still returned your canceled checks to you, so I was able to show the check I deposited along with my statement, but I still had to jump through hoops a bit to get the money and the overdraft fee back. I still won’t make deposits at an ATM to this day.
BofA has no ATM fees with China Construction Bank in China. It’s been a lifesaver!
The “new” ATM’s that don’t use envelopes are horrible. I put in five $100 bills and heard this horrible crunching sound and only two were counted, but nothing returned.
I called and complained and it took three days for them to verify, yes - I had indeed put in five but only got credit for two $100 bills.
In addition, these envelope-free slots are equally horrible on the windy days we have here…you have to stand like you are about to have sex with the machine so the cash doesn’t all blow away.
My cousin went to a casino here in Las Vegas two years ago - tried to cash a $100 bill in the casino change machine - and out came not 5 $20 bills, but 5 $100 bills! He thought that was a fair return on his investment and walked away.
Now, all his friends offer to give him money if he promises to “play the ATM” when he gets to Vegas.
Also Barclays (UK), BNP Paribas (France), Deutsche Bank (Germany).
They don’t have a partner in the Netherlands, which would be great for me because I do a lot of business travel to Amsterdam.
Hoo boy, if I knew the answer to that one, I’d be a much less frustrated man. Plus, most small stores (at least in the countryside) still don’t accept credit cards, and add in the fact that banks are also closed during national holidays (y’know, when people actually go out and spend money), and you sometimes end up with the situation of scrounging for change to buy lunch on Respect for the Aged Day because you blew your cash on the bars the night before.
All the banks that I know (all 4 up in Aomori) all charge you a service fee (around a buck) to withdraw money from your own ATM outside of banking hours (8? to 3). The exception to this is the post office (yes, the PO has its own bank), but they generally close at 5, whereas the company banks are open until 9.
You might get lucky and find a combini with an ATM, but only ones designated by your bank are accessible. Aomori Bank (not to be confused with Blue Forest bank-- no, seriously) is only available through 7-11, despite the fact that we’ll be getting our first 7-11 up here some time next year. Actually, it might work in some others, but I pretty much gave up on it after checking Lawson’s and Circle K, two of the most prolific chains up here (I also checked Orange Heart, but I didn’t really expect that one to work). Ironically, almost every combini lets you access your money in the states.
NB: Japan hasn’t heard of checking, and it may be frustratingly difficult to get a Japanese credit card as a foreigner.
So I guess it was a bit of an exaggeration earlier; only the fact that banks charge you to access your money outside of tiny hours is a ripoff. The rest is just a huge inconvenience.
That is indeed inconvenient. Oh, and this perhaps needs a note of explanation that ‘Aomori’ means ‘blue forest’ in Japanese 
Hard to believe there’s not a single 7-11 in Aomori City.
Not an ATM per se, but I once banked with a small, student-run credit union, which for some unknown reason frequently did not register ATM transactions. I would have the cash, have the receipt, but the debit would never show up on my account. Also, small random charges that corresponded to nothing would occasionally show up. When I was about $600 richer than my own records suggested I should be, I decided that I didn’t want to take the risk of being there for the crash. I was totally honest with the credit union and told them why I was closing my account, but they didn’t believe me. So I took the money and went, just before the FDIC came down on them like a ton of bricks.
A year after I closed my account, they cashed a check I had written to a friend before I closed the account, for about $160. I told them that I would pay the overdraft fee, because I had indeed forgotten this check. However, I said that it was their responsibility to get the transaction reversed for the actual check amount, because only a total moron pays out on a year-old check written on an empty, closed account. They threatened me with collections, I threatened them with the FDIC, they never spoke to me again. Also, they never reversed the transaction and my friend kept the money.
The fools must have been hemorrhaging money.
I’ve never had it happen to me personally, but when I was a bank CSR, I can recall several occasions in which I had to deal with people who said they’d gotten shorted in ATM transactions. In some cases, deposits weren’t credited; in others, insufficient funds were given out. In neither event was it hard to handle so long as the person let us know fairly quickly, as the teller manager already had to balance the ATM each night; she would know at the end of business anyway if the ATM had given an insufficient amount to someone, so it was just a matter of the person in question coming in and letting us know who it was.
Oh, and I forgot: six months after I closed my account, someone started writing fraudulent checks on it, with check numbers that I had never ordered and a signature that looked nothing like mine. I had to carefully explain to the representative, using small words and frequent repetitions, that if checks are FRAUDULENT, you need to call the police, not the ex-account holder…
No, I will not pay for these checks…
No, the police will not pay for the checks, either, but they are the people you need to contact…
No, if you send me to collections, I will show the FDIC these checks, which are not the same color or pattern as checks you issue, do not correspond with the numbers on checks you issue, and do not bear the slightest resemblance to my signature card you have on file, and I will explain to them that any fool can send you a piece of paper with “cash” written on it and you will apparently accept it. Are we done with this conversation?
You were dealing with an incompetent bank.
I think “incompetent” doesn’t really cover the breadth of it.
I bank with a small credit union that doesn’t charge an ATM fee and refunds any ATM fees from other banks. I once had to pay a $4 ATM charge and I didn’t give a shit. I just went to the website, filled out a little form and the money was put back in my account.
I did get an extra $20 from an ATM one time. It was one of the kind that spits the money into a tray. I figured that the person who used the ATM before me left one of their bills behind and it wasn’t a bank screw up so it didn’t occur to me to contact the bank.
I’ve never had an inaccuracy of any kind with an ATM (I use them every week for cash and check deposit transactions), and neither has anyone I know AFAIK. The few replies here are the first problems I’ve ever heard of.
In a few threads about electronic voting machines I have gone on record as saying, “Bring 'em on!” because of my experience with ATMs. Nobody has yet given me a good explanation of why we trust our finances to ATMs to a large extent, yet somehow electronic voting machines supposedly can’t be made to work reliably.
Similar requirements involved in banking and voting - the machines must be extremely accurate, have some ease of use, and there has to be a record the user can keep. Check, check and check for ATMs. Heck, voting should be an EASIER technical problem because the machine doesn’t need to dispense cash, just a receipt of some kind. We’re good at making and using machines like that. So where’s the problem when it comes to voting?
The problem with electronic voting is two fold. First is that it often leaves no paper trail. An ATM always has a paper trail. This is the biggest hang up. The whole idea behind electronic voting is to simplify and reduce costs.
Since the people running the polls only get a nonimal compensation putting in a paper trail would up the costs and why bother. If you’re gonna print the paper anyway, you can count it by hand easier than the cost of buying a new electronic machine.
Without a paper trail the voting machines aren’t trustworthy.
Secondly all the voting machines I’ve seen so far that are strictly electronic, somene has been able to crack. Perhaps there are some I’ve not read about, which is quite possible. But as long as someone can show an electronic voting machine is crackable it isn’t going to work.
Remember with ATMs we also have back up in forms of cameras and such and can track the specific transaction to the specific account holder. A voting machine has to be anonymous as Americans value the right to privacy when they vote
That’s actually a good topic for another thread 