Banks .... grrr

[Bald Rick]

Well slap me buttocks and call me Maureen ...

Today I had to go to the bank to pay in a largish cheque.
Now the queue to get in was 8 strong outside with only two allowed in to undertake transactions. So far, so socially distanced
When I got to the front of the outdoor line after 25 minutes, I happened to read that the branch was only open on Monday, Tuesday and Friday and then only from 9.30 to 1pm

Wtf ... lazy buggers. If they opened properly, we wouldn’t have to queue

 

[Hindsight]

Well slap me buttocks and call me Maureen ...

Today I had to go to the bank to pay in a largish cheque.
Now the queue to get in was 8 strong outside with only two allowed in to undertake transactions. So far, so socially distanced
When I got to the front of the outdoor line after 25 minutes, I happened to read that the branch was only open on Monday, Tuesday and Friday and then only from 9.30 to 1pm

Wtf ... lazy buggers. If they opened properly, we wouldn’t have to queue

Hi Maureen.

By the way, there's a pandemic on don't you know.

 

[YorkshireAndrew]

To be fair our nearest Lloyds branch is open Monday- Friday so I can’t complain . On the downside I used to nip into the branch on a Saturday morning to pay in cheques & have a bacon sandwich from the nearby bakery . [emoji849]

 

[stewart]

Well slap me buttocks and call me Maureen ...

Today I had to go to the bank to pay in a largish cheque.
Now the queue to get in was 8 strong outside with only two allowed in to undertake transactions. So far, so socially distanced
When I got to the front of the outdoor line after 25 minutes, I happened to read that the branch was only open on Monday, Tuesday and Friday and then only from 9.30 to 1pm

Wtf ... lazy buggers. If they opened properly, we wouldn’t have to queue

Who uses cheques, pay direct on line saves any queuing, you need to get into the 21st century.

 

[Bald Rick]

Hi Maureen.

By the way, there's a pandemic on don't you know.

Personally I think it’s a Trojan horse to shut yet more branches.
Fine if you’re a techy and online. Not so fine if you’re elderly

 

[Bald Rick]

Who uses cheques, pay direct on line saves any queuing, you need to get into the 21st century.

Cheques have their place.
Anyway I was given it so had no option

 

[Hindsight]

Personally I think it’s a Trojan horse to shut yet more branches.
Fine if you’re a techy and online. Not so fine if you’re elderly

Tend to agree. And to switch away from cash as well. Hey ho.

 

[kiwi pom]

Who uses cheques, pay direct on line saves any queuing, you need to get into the 21st century.

It's perhaps more complicated for businesses but I cant remember the last time I went to a bank.
Even an ATM machine for that matter.

Well slap me buttocks and call me Maureen ...

Today I had to go to the bank to pay in a largish cheque.
Now the queue to get in was 8 strong outside with only two allowed in to undertake transactions. So far, so socially distanced
When I got to the front of the outdoor line after 25 minutes, I happened to read that the branch was only open on Monday, Tuesday and Friday and then only from 9.30 to 1pm

Wtf ... lazy buggers. If they opened properly, we wouldn’t have to queue

It's not that they're lazy it's because they don't want to employ all the fulltime staff to keep branches open. More and more will close, whether we like it or not.
You could always tell people you don't accept cheques anymore, I don't think they'll be around for much longer anyway.

 

[stewart]

Cheques have their place.
Anyway I was given it so had no option

Most businesses will no longer accept cheques here, the banks are phasing them out anyway, no more cheque books issued from now and cheques will not be able to be used from July next year. I haven't used a cheque for about 10 years.

 

[stewart]

Personally I think it’s a Trojan horse to shut yet more branches.
Fine if you’re a techy and online. Not so fine if you’re elderly

Nothing wrong with shutting branches, what do you need them for anyway, they are costly to maintain and serve no purpose.

 

[stewart]

Tend to agree. And to switch away from cash as well. Hey ho.

Why do you need cash anyway? Unless you are intending to defraud the exchequer.

 

[robs1]

Why do you need cash anyway? Unless you are intending to defraud the exchequer.

There are 2 million adults in the uk that dont have a bank account, are you suggesting they are all on the fiddle, some use it to control their spending, far too easy to get into debt with credit cards etc

 

[Old Boar]

Cash is legal tender, and you know you have been paid if you have a note in your hand. I challenge you to run a market stall (no electricity) and try asking for anything other than cash.
I paid the slaughter house and feed bills etc in cash. They always seemed happy to see it. Cash in, cash out. It works for many small businesses.
Oh and on line banking? My broadband is so slow that doing anything with the bank on line and it times out.

 

[stewart]

There are 2 million adults in the uk that dont have a bank account, are you suggesting they are all on the fiddle, some use it to control their spending, far too easy to get into debt with credit cards etc

Not suggesting that at all, there is just no need to use cash, it is too much hassle and you just end up with a pocket full of change.

 

[had e nuff]

Why do you need cash anyway? Unless you are intending to defraud the exchequer.

3 pubs that i try and help stay open only accept cash.

 

[kiwi pom]

Cash is legal tender, and you know you have been paid if you have a note in your hand. I challenge you to run a market stall (no electricity) and try asking for anything other than cash.
I paid the slaughter house and feed bills etc in cash. They always seemed happy to see it. Cash in, cash out. It works for many small businesses.
Oh and on line banking? My broadband is so slow that doing anything with the bank on line and it times out.

Its the opposite here, if you're doing anything like a market stall, farm show, school fair etc and you don't have an EFTPOS card machine you'll struggle for trade as most just rely on their cards and simply don't have cash.
I've been caught out before, no cash and they don't have a card machine.

I'm not sure its a good thing to be honest, we should use cash more and not cards, keeps people out of your business but its so handy to use a card.

 

[ollie989898]

I've nothing against cheques or cash. If banks choose to go online only then they will reap the whirlwind of that because their high street presence is one of the reasons I use them to begin with. If one high street chain closes totally I will not use it, simple as that.

I am lucky our village pub takes cards, cheques and will give cash back.

 

[stewart]

Its the opposite here, if you're doing anything like a market stall, farm show, school fair etc and you don't have an EFTPOS card machine you'll struggle for trade as most just rely on their cards and simply don't have cash.
I've been caught out before, no cash and they don't have a card machine.

That illustrates the difference in mind set and culture between UK and NZ. New Zealanders tend to embrace technology and are not opposed to change, adapting to it looking forward. The UK is the opposite and looks backwards to the past, slow to adapt to change. Nothing wrong with either scenario really, just depends how you want to live your life.
I am quite astounded when I go back to the UK how backward the banking system is, particularly for a country that portrays itself as one of the main financial centers of the world, I can only assume the City of London is more advanced.

 

[stewart]

I've nothing against cheques or cash. If banks choose to go online only then they will reap the whirlwind of that because their high street presence is one of the reasons I use them to begin with. If one high street chain closes totally I will not use it, simple as that.

I am lucky our village pub takes cards, cheques and will give cash back.

What do you need a high street presence for? Long gone are the days of queuing up to pay a few groats into your account.

 

[DaveGrohl]

Woowoo technology yay.

If you want to use it good luck to you, nowt wrong with it, I do all the time. I also use cash. Oh and the odd cheque. Govts want to get rid of cash for a variety of reasons. Society will be worse off in all sorts of ways if they manage to do away with it. My question is, does no one use the postal service? I send all my received cheques to the bank by post, I've got better things to do than go to town and queue.