There are things that you can do at an ATM that you can’t do at some banks, or will have shorter overall wait times.
You can’t always walk into a small credit union and withdraw money/deposit cash from a bank account with a different institution, but you can do that at their ATMs.
I find that regardless of bank, if you talk to a teller, you need to have an account with the bank you are physically in.
There’s very little they can do for you without it.
I’ve had banks I don’t have an account with occasionally replace a damaged dollar bill of some value or another, or do some limited currency conversion, eg, getting a roll of quarters or something, in exchange for the cash I have on hand… Beyond that, they basically tell you to leave.
No, it doesn’t. You don’t have enough information to say something like that. Maybe the ATM fees they offer are the cheapest transaction fees in the city, and you are a customer who needs to optimize for transaction fee. Someone with those needs is going to prefer a bank that charges more for services that cost more to provide and offers a price break on services that are not as costly to provide.
I’m pretty sure the joke is that she was inside the bank, likely talking to… A teller, asking about an automated teller machine.
Just talk to the people inside and ask them to help you. It’s literally their job.
There are things that you can do at an ATM that you can’t do at some banks, or will have shorter overall wait times.
You can’t always walk into a small credit union and withdraw money/deposit cash from a bank account with a different institution, but you can do that at their ATMs.
I find that regardless of bank, if you talk to a teller, you need to have an account with the bank you are physically in.
There’s very little they can do for you without it.
I’ve had banks I don’t have an account with occasionally replace a damaged dollar bill of some value or another, or do some limited currency conversion, eg, getting a roll of quarters or something, in exchange for the cash I have on hand… Beyond that, they basically tell you to leave.
Some banks literally charge a fee to do the same transaction that is cheaper/free at an ATM from what I’ve heard.
Sounds like a good reason to change banks
No, it doesn’t. You don’t have enough information to say something like that. Maybe the ATM fees they offer are the cheapest transaction fees in the city, and you are a customer who needs to optimize for transaction fee. Someone with those needs is going to prefer a bank that charges more for services that cost more to provide and offers a price break on services that are not as costly to provide.
Really licking the boots of an entity that exists to hold your money while making money off your money.
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