Do you go into your bank or credit union?

[MJ5150]

In the community where I live, there are a handful of small locally owned banks. They advertise how friendly their tellers are, how they know you by name when you come in, and how the service you get is personal and much better than the larger banks.

That's all fine and good, but for me, I can not remember the last time I went inside or even through the drive through. We have accounts at a couple different financial institutions, and everything is handled online. I don't even call customer service.

Does anyone go to the bank/credit union on payday anymore and deposit their paycheck, or go talk to a teller to make a withdrawal?

-Mike

[Relic]

I occasionally go into my credit union, but not very often

[HaMMerHeD]

I go in all the time. Direct deposit is not an option for me, and I receive various other payments several times throughout the month, so I go inside my bank quite frequently. I don't personally like drive-throughs at all. I prefer face-to-face interaction.

Everything else, I do online...but deposits are tough to do that way.

[Fassa Albrecht]

Nope, haven't been to my bank in a good year or so. Don't need to really-I can transfer money from one account to the other for paying things using the Net and use a cash machine for withdrawals.

[Depth_Charge]

I haven't stepped foot into a branch of my bank in probably over 2 years!

[Happynoj]

I have only set up online banking in the past month - up to a couple of weeks ago I went into my bank for everything excet withdrawing cash, which I use an ATM for, and probably will continue to do so for the majority of my transactions. When offered a machine to deposit cash/cheques, I decline and get in the queue for the tellers.

[Cabazon]

I do all of my business in my credit union. I only deviated from that just recently with one email I sent them about some goofy fee.

When dealing with money, I'd much rather have it be a face-to-face interaction.

[TJ55]

I can't remember the last time I physically entered the bank and haven't lived within 40 miles of my nearest branch for over 2 years now. Direct deposit and online bill pay for everything but rent.

[GregC]

My credit union is over 1000 miles away, so no. Direct deposit, check-writing and the occasional depositing of a check or two through the mail covers 99% of my banking activity, and I go online for the rest. I did call them up recently to get my credit card limit raised in advance of a big purchase.

[MakiSupaStar]

I look for excuses to go into my credit union. It's chock full of sexy asian chicks all decked out in their sexy corporate attire.

[JimB52]

How can you avoid going to the bank if you need to deposit/cash a non-payroll check?
I stop by my local bank to put cash in my son's account fairly often. I like (and don't like) the fact that I don't have to show ID when I make a withdrawl. Plus, some of the tellers are very attractive. I like a woman with money.

[Chunk-O-Funk]

Yes and no for me.

When I have direct deposite and online banking I wouldn't go in for much.

When I have renters once a month at least.

Band cash! Well, IIRC there was only one guy who gave us a 1099. There was a lot more to write off.

I also remember doing some job hopping and direct deposite was something you waited for.

[TheVoiceless]

I belong to my towns local credit Union. Yes we go in on occasion. Not very often, but they do us by name. We have been there for a while, and went to high school with some of the tellers.

[MakiSupaStar]

Originally Posted by TheVoiceless

I belong to my towns local credit Union. Yes we go in on occasion. Not very often, but they do us by name. We have been there for a while, and went to high school with some of the tellers.

Damn, I wish my credit union did that.

[Relic]

last fall when we bought our house, I was in and out of our regular bank fairly frequently. The one thing that I really hate about banks in general (at least the ones around me) are the fact that you can never seem to get right in and out of there quickly. It seems like every time I had to go, I would get stuck waiting in line. Not a big deal normally but when you're on your lunch hour or whatever, it can stink.
This is another reason why I really like direct deposit and electronic banking in general.

[MJ5150]

Originally Posted by JimB52

How can you avoid going to the bank if you need to deposit/cash a non-payroll check?

I don't remember the last time I got a paper check in the mail or from someone. If I do get one, I can use the Chase Android app to take a picture and deposit it.

As for depositing cash, I can do that via ATM or deposit box.

-Mike

[Mike N]

I've been going to the same bank and dealing with the same tellers for years. We all know each other by name. I'm there at least once a week. No internet banking for me.

[HEIST]

I do regularly. I get a physical cheque bi-monthly as my payroll and also cash from my roomate to go towards rent. Using the teller service enables access to the funds immediately whereas if I feed it through a machine, I'd have to wait as they hold my cheque for 5 business days and wait for cash to be processed.

[SoonerMatt]

For your viewing pleasure



Also, my pay comes in the form of physical checks so I have to go to a (crappy) bank. Also, while I'm in school and spend time in various parts of the country over the course of a year I have to attend one of the big banks and can't wait to bail.

[blendermassacre]

The U.S. Bank that is 3 blocks away from my apartment doesn't have a drive up ATM, so if it's during business hours I go inside, and always ALWAYS get hit on by the same guy.