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Originally Posted by kutulu
That doesn't apply to my situation. Tell me the difference between me depositing my check into my bank, then have my bank send the check to my employer's bank, then have my employer's bank send me the money versus me just going straight to my employer's bank and getting it without all that middle man crap involving my bank.
There is no difference, however, banks have decided to charge people for doing it one way but not the other. It's like those damn ATM fees. If it was simply an amount that accounted for the cost of running an ATM, I'd understand, but instead it's between $1.00-$3.50.
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I love how people never think that banks are in business to make money just like any other business.
The reason you are charged a fee is because you are a non-customer and are therefor not entitled to customer privileges. If you don't like it, then either open an account with that bank or take the check to where you do have an account. It's that simple. Same thing with the ATM fees, you are not a customer so why should you be entitled to customer perks? And those fees absolutely do cover costs for the bank. Do you know how much it costs to have and maintain an ATM? A whole fucking lot. Here's a quick run-down: overhead cost for the structure it is housed in, overhead cost of just having the thing up and running, overhead cost of networking the ATM to a response system to monitor the machine in case it goes down, wages for the personnel that stock the ATM, paper for the receipts, envelopes for deposits, fees to purchase the money it is stocked with, and not to mention the intial cost of the machine itself.
Stop complaining. If you don't like it, open an account and only deal with that bank and their ATMs or start hiding your money under mattress.