I don’t think my bank likes me very much

Chase Bank LogoJust went in to make a few deposits, as I normally do every few weeks when I cash the checks from the weddings I’ve shot.

This time for some reason the banker asked me to come to her desk and sit down, verify my SS# and then proceeded to ask me questions about my business and how I usually get paid. Pointing out that I’m not “taking advantage of any of the features of my business account”.

“How do you usually pay your bills?”

“I don’t really have bills.”

“You don’t have bills?”

“No I live with my parents. All I have is small monthly payments for little things.”

“And how do you pay those?”

“Its just automatically taken from my account.”

“Okay do you realize how dangerous that is?”

“Well they’re from reputable companies like GoDaddy so…”

Then she told me about this new thing they have where the money doesn’t leave your account until you approve it to prevent overcharging and double charging and stuff like that, which has never been a problem. She signed me up for it without asking then made me log into my Chase.com account but the password wasn’t working for some reason until I just said

“Listen I don’t think I would really use this. Can we just move on?”

I think she was a little taken aback, and then moved on to asking why I don’t have a credit card, and about all the benefits of having one. I basically told her I have no need for one. All I do is check my balance online, make deposits and buy stuff straight debit when I need it. She told me about her dad who runs a business and puts everything on a credit card and just pays it off at the end of the month. Personally I rather deplete my funds little by little than in big lumps at the end of every month, so getting a credit card never appealed to me. I know I need credit to buy a new car (which I have no intention of ever doing) and get a lease and whatnot, but I’ve been putting it off for years.

So finally she got the hint and just gave me my deposit receipts and let me go. I don’t think I want to go back to that bank anymore though. They’ve been trying to get me to sign up for their credit card for years. So I’m probably not Chase’s favorite customer. All I want them to do is hold my cash and fuck off until I need it.

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