It looks like there are several different such networks: Allpoint, CO-OP, and MoneyPass (at least). Some of my local credit unions are members of several of these.
The local BoA branch near me closed a couple years ago, which was annoying, but there’s another branch about the same distance from my home so it wasn’t a big deal. It’s not as close to my normal stores so it’s a bit less convenient, but I don’t have to go to a branch often anyway.
All of the larger convenience store chains around here have free ATMs; they worked a deal with one of the super-regional banks for this year/decades ago, most likely because it drives foot traffic into the store, where undoubtedly other purchases are made before some of those bills made it into one’s wallet.
When the kids were very little & wanted something they were like, go to the [convenience store chain] & get some cash out as they weren’t yet able to grasp that one needed money in one’s account to get it out; as they got older they knew, by smell, when I had gotten money out, mostly from the Dunkin Donuts container in the store that would permeate my clothes despite being in there for 30-45 seconds.
Yeah, I mean I really feel for the OP, that was tough and unfair, but think how pissed you’d get if someone got a card thru fraud. A true nightmare.
Good advice.
The bigger the company, the more the complaints. As banks go, BofA isnt bad- but it is hardly a shining example of customer service either.
In general, yes, a bit exaggerated but not wrong. However I have had nothing but good service from Wells Fargo.
The other person needs to be with you in person, with ID.
That’s great!
BofA i should say, is just as horrible as any US bank. But they let my wife go after 16 years in the mortgage servicing department. They said move from California to Taxes or we let you go! That was a decade ago and she would not move to a red state. Thankfully I was able support us in her transition. But fuck them for making her have that choice.
Lurked long enough to know I need to curse at someone in the pit!
Usually, exactly right. In the case of this trust account there were additional complications but I don’t remember what they were. But when I had roof damage due to a major hailstorm, the cheque was indeed issued jointly to me and the roofer who had negotiated the claim with the insurance company and we had to go to his bank together.
The fun part here is that although the hail had dented the eavestroughs, there wasn’t any real need to replace them. I asked one of the workers at another house why they were replacing them, and he just laughed a cynical laugh.
So, yeah, me and my roofer guy went to his bank with the joint cheque, and then, as agreed, he reimbursed me $1500 because I didn’t really need the eavestroughs repaired.
The principle of insurance is that the insured should never be financially better off after a claim, but sometimes there are gray areas where the poor sucker actually scores a win! Nothing wrong with that – my eavestroughs were dented, I didn’t give a shit, and was happy to collect the cash instead!
How could that happen if they mail it my home address?
People move, how do they know it is your real current home address? And mail gets stolen.
In the pre-internet era, targeted mailbox attacks were a thing. Find a likely looking house with a separate non-locking mailbox. Which was/is the norm in a lot of areas.
Snag their banking mail, carefully open it, record the key info, then close it up and put it back in their box maybe a day later. Customer is none the wiser. Now bad guy orders new card based on the data they stole and babysits the mailbox each day until it arrives. Bad guy steals card mail that customer wasn’t expecting and will never miss. Profit!