how can this national city bank policy even be legal...?

[dysfunctional press]

my sister wrote me a check for $200, and i wanted to cash it- it was drawn on her bank- National City...i bank at chase...i went to the national city bank, endorsed the check, and presented my driver's license...the teller asked for my account number- i told her that i don't have a national city account, and she said that there is a $10 fee for non-customers to cash checks that are drawn on national city bank accounts.

how is that even legal?

a check is a note from the depositor, authorizing the bank to give a certain amount of money from their account to the person presenting the check- i've NEVER heard of a bank charging someone in that fashion.

[BlooInBloo]

1. Ouch. I didn't realize that *was* legal.

[Greyhound]

2. How much do you "contribute" to politicians?

Banksters contribute far more. This has been SOP since the 80s.

[silverweb]

3. I hate all commercial banks!

Isn't there a local credit union you can join?

Even if it doesn't have as many branches and ATMs around town, it's worth making the switch.

[dysfunctional press]

4. it's not my bank that's the problem in this situation.

i went to my bank and cashed it- but that's not the point.

the point is that the check was drawn on national city- they have no right to charge me to get my money from them.

[silverweb]

11. I understand that.

I agree that National is absolutely wrong, though likely barely within the law or they probably wouldn't try to get away with it.

My point (admittedly a little off topic) is that National and Chase are both commercial banks, therefore on my hate list, and I wonder why you'd bother having your accounts at one of them.

[dysfunctional press]

15. i've never had a problem with chase, and i love the convenience.

they have LOTS of atm's and branches i can use.

[silverweb]

18. That's probably the difference between us.

I have direct deposit, pay all my bills but the rent on line, and use my debit card like a credit card with cash back, so I very rarely have to visit a branch or an ATM.

Maybe reporting your story to whatever state or federal agency regulates banks would be appropriate. They could at least tell you if what National is doing really is legal.

[dysfunctional press]

21. i have direct-deposit as well, and use my debit card constantly...

and use online bill pay as much as possible. but- when i do need to get cash, i like the fact that the atms are everywhere- even when i travel.

[silverweb]

22. The differences are melting away...

If you travel a great deal, especially internationally, I can see the advantage in a commercial bank having greater convenience for you.

I've never been outside of the North American continent, but I've also never had a problem finding a network member credit union for free ATM access whenever I do travel within the U.S.

In Mexico, there is a fee for international ATM withdrawals, but it's less than what commercial banks charge for nonmembers in the U.S., so it's no big deal for the convenience of withdrawing in local currency.

I just don't see any advantage in using a commercial bank (for me) and I'm philosophically opposed to their rapaciousness.

But that's just me -- and one of the reasons it's great to have choices. :)

[a kennedy]

16. got that right......I'm a proud member of our Community Credit Union.

:applause: :patriot:

[silverweb]

19. About 25 years with mine.

All the benefits of a full-service banking institution, none of the profiteering shenanigans, amazing level community involvement -- and they've never had security breach.

Love 'em! :patriot:

[Occulus]

5. It shouldn't be. Join a credit union.

My CU has never done this, because they don't dare consider the practice in the first place.

Also, CUs are in my experience potential long-term employment with room for advancement for the employees. Many of the people who were tellers when I join my CU are higher up in the business now. There's turnover, sure, but there's also the option to make it a career. They seem to actually like their employer, and the policies of the CU itself are fairly generous toward the customer.

I've been with my CU for ten years, and I have no complaints at all. They've always treated me and everyone else I know who has accounts there like gold.

[dysfunctional press]

8. it's not my bank in the first place.

my bank cashed the check without a problem.
i LOVE the convenience that chase offers- their atm's are EVERYWHERE and i've never had any problems with them.

[fizzgig]

6. i've seen that done at a number of different banks

greedy assholes

[targetpractice]

7. I get this sometimes...

Some banks do, some don't... Some tellers do, some don't... I've managed to politely convince tellers to waive the fee.

Recently, an "manager" tried to convince me to open an account with the check to waive the fee.

I think it's wrong... especially if you go to the trouble of cashing the check at the specific branch from which the check is drawn.

[dysfunctional press]

10. if i had more time- i would have opened an account...and then withdrawn all the money.

that way- the bank would be doing a lot more work, and not getting any fees.

i recently took my spare change to the grocery store to run it through the coin counter- they don't have 'coinstar', but rather a counter that's run by the 'tcf' bank that's in most of that grocery chain's stores.

tcf charges 8.9% to use their coin-counter, unless you have an account- then the fee is waived. i had about $250 in coins. i used the money to open a checking account, because they were also running a promotion that if you open an account, they give you $50. so- not only did i not have to pay the fee, i got 20% EXTRA money. the account has $1 in it. at some point they'll close it.

[TreasonousBastard]

9. Never happened to me, but...

it's possible some state banking laws allow it.

That's really, really chickenshit, though. And if it's a marketing ploy, it would turn me OFF from ever wanting to use that bank.

[Igiveupcanttakeit]

12. It happened to me once with my paycheck.

Next day I signed up for auto deposit. I was pissed.

[TheKentuckian]

13. Many of the big thugs do this crap like PNC, Chase, and National

Around here I think Chase and PNC do $3-$5 and I haven't cashed a check at National City until PNC had bought them and so I can bank there without fees because I go through PNC.

[Berry Cool]

17. No doubt, National City does this now because PNC bought them.

So be forewarned from now on.

[MercutioATC]

14. National Shitty Bank is one of many that do this...and worse

NCB also uses THREE different balances for every account...and the one they use to assess overdraft charges is NOT the one they use for online banking.

A friend deposited her paycheck. The next day, it showed up in her online statement as cleared, so she paid bills online. She bounced three checks (her online statement showed that she still had money in the account).

When she talked to a manager at NCB, she was told that her online balance is her "rolling balance" and that although it showed that her deposit had cleared, it really hadn't.

The manager also refused to reverse the overdraft charges.

[Romulox]

20. I don't doubt it's legal, but that is despicable! nt