You would think because I am a chef, there would be more posts about food! Well, not today, again...
Today, I am going to rant about my bank! They are going to take away "free checking" in favor of a monthly service fee. If I maintain a certain balance or have direct deposit, this fee is dismissed. They are also going to charge a monthly fee for using my check card, and it does not matter if I use it once or 100 times. When I first heard about this, it ticked me off a bit and started to wonder how I can get around this fee myself. Solution, become a cash man and only use the card at this banks ATM to avoid this small fee. But then I wondered, "Am I really this cheap"?
I do not believe what would equal a $60 a year fee to use my check card is a really big deal. but if a bank has a million users, and each has this monthly charge of $5, this equals $60 million dollars in income a year for almost doing nothing (most of this banking stuff is automated now, right?). I bet is actually translates to even more money. So if I only use my ATM and pay cash for everything, I will save that $60 a month and if everyone pulls together, we might save a bunch of money collectively.
Then I got to thinking, I really enjoy using my check card. Use it all of the time so why should I really change my habits. If you do not already know, much of my life revolves around Seinfeld (love the TV series, I find a little bit in everything I do and experience) and got to thinking about the episode when Jerry and Elaine are at the car rental place. The counter lady asks, "Would you like the insurance?" Jerry replies, "Yeah, you better give me the insurance. Because I'm gonna beat the hell out of this car!"
So I think I will buy a .50 pack of gum every day or purchase something really not worth the back end fees for the bank and store. I am just going to use the hell out of my check card on petty crap! Hey, if they are going to charge me and every other American a stupid little fee, why not stick it right back to them!
"Sticking it..."
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