Stop Pulling the Wagon

YOU CAN’T MAKE THIS STUFF UP

MANY will read this and believe I am either making this all up or that I was intoxicated while visiting the bank.  I assure you that neither of the above is true  and furthermore will declare that the bank teller I dealt with was at all times professional and courteous.

Last month (April) I received in the mail from Wells Fargo a Cashiers Check in the amount of $5 for refund of some error they had discovered in their accounting on one of my accounts.  I endorsed it for deposit and left it on my desk for a convenient time when I would be visiting one of their ATM’s.

Yesterday, May 4th, I needed to go to the bank for a friend who is disabled and in a convalescent home.  He had received cash from sale of furniture in his home that  he is in the process of selling.  The cash was in the amount of $1,639.  I told him I would be happy to deposit it for him, took the cash and one of his checking account deposit slips and went to the Wells Fargo Branch in Gold River, California.  On my way into the bank, I deposited the Wells Fargo $5 Cashier Check through the ATM outside only to have it rejected with the electronic window telling me the check could not be deposited and should be returned to where it was issued.  Keep in mind this is a Wells Fargo Cashiers Check and I am at Wells Fargo.  I thought that was odd but probably some kind of “glitch” and took the check into the bank and got into the waiting line.

My turn came and I went up to the bank tellers window.  I explained about the check being rejected by the ATM and she apologized and tried to run it through her machine and spent some time looking at her monitor and then said that she could not accept it because it showed as deposited and then rejected.  I asked her if it was a “real” check and she assured me it was.  She made several phone calls and then apologized but said they could not deposit it.  At this time I was more amused than anything and just told her I would keep the check and have some fun with it.  Consider this “fun”.

I then took out my friends cash and deposit slip and she told me the bank was no longer allowing cash deposits into personal checking accounts.  She said it was a relatively new policy but she could not accept the cash and deposit it into my friends account. I am thinking but…. but…. this is a bank and this cash is legal tender.  She then said that she could accept cash deposits into a business checking account and since I had a business account she could accept the cash into my account.  I asked her if we could do that and then transfer the funds to my friends account and she said no but she could accept the funds for a cashiers check issued in my name and made payable to my friend and then deposit the cashiers check into his account.  Huh?  I finally said okay and this is what she did. 

At some point I was starting to look around and see if this was some kind of “Candid Camera” or “Reality Show” gag.  

Let’s see, Wells Fargo won’t cash their own “Cashiers Check” for $5 and will not allow a “Legal Tender” cash deposit into the personal checking account of one of their own bank customers.  Are these folks a real bank?  I am beginning to remember the old Saturday Night Live skit about the “Change Bank” that would only make change (4 Fives for a $20 – 4 Quarters for a $1 etc.) but no checking or savings accounts, no loans and no other “Bank” functions.

I left the bank actually laughing and more amused than angry.

On a more serious note:

Later I remembered all the businesses and fast food places that no longer accept cash.  Only debit and credit card purchases.  I also remembered some articles I have read and things I have heard in the media on how our government is trying to move away from a “cash” society. 

Perhaps to more easily monitor how we spend every dollar and document it for ways to control us?  Can you spell “meta-data” and the “harvesting” of such data for the governments own purposes and agenda.  Just a question.  Are you scared yet?

Bob Bandy – May 2022

P.S. For a related article you might want to read “Mark of the Beast” – something I wrote some 10 years ago.  Use “Search For Articles” box in the left column.