What REALLY grinds your gears?

[los panda]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

bank with usaa if you can, they refund atm fees.

[MTK]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

Yeah the debit charge is nothing new in the industry. Always run it as a credit.

[CRedskinsRule]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

One reason I love USAA. They have limited ATM's so instead they just credit you once a month for any ATM fees you incur, up to $15 a month. That's like 5 ATM uses, and I rarely use more than two or three at the most in a month. Basically, I just never worry about the fee if I have to use an ATM for some reason.

Oh and I never choose debit at a register/gas pump. And never understand why anybody would.

[los panda]

Originally Posted by CRedskinsRule

One reason I love USAA. They have limited ATM's so instead they just credit you once a month for any ATM fees you incur, up to $15 a month. That's like 5 ATM uses, and I rarely use more than two or three at the most in a month. Basically, I just never worry about the fee if I have to use an ATM for some reason.

Oh and I never choose debit at a register/gas pump. And never understand why anybody would.

usaa is the tops. have you used their home value calculator/estimator tool?

i just got the usaa mobile app and deposited my first check via mobile. before this app, i had to use my scanner, but at least that was an option. navy federal doesn't offer online check deposit on their website - only on their mobile app, weird.

[CRedskinsRule]

Originally Posted by los panda

usaa is the tops. have you used their home value calculator/estimator tool?

i just got the usaa mobile app and deposited my first check via mobile. before this app, i had to use my scanner, but at least that was an option. navy federal doesn't offer online check deposit on their website - only on their mobile app, weird.

I haven't used the home value calculator or mobile check deposit, but online deposit is cool, plus you can go to any UPS store and they do the deposit too.

Great company all around.

[Monkeydad]

I've always had a limited number of debit uses per month and always stayed under that, but a couple months ago, they started charging a buck for EVERY debit transaction. That's just ridiculous.

[Chico23231]

Pull up blue mail drop off thingy to mail a couple bills at the post office. Some bitch is sitting in front of me writing out her mail. r you f*cking serious, people just dont give a sh8t anymore

[CRedskinsRule]

Originally Posted by Chico23231

Pull up blue mail drop off thingy to mail a couple bills at the post office. Some bitch is sitting in front of me writing out her mail. r you f*cking serious, people just dont give a sh8t anymore

Agreed

[aircoryell]

I'll tell you what grinds my gears! Panhandlers! They are literally at every light for miles on my commute. They have their signs and their fake limps that magically disappear when they catapult into a full sprint like Usain Bolt when someone flashes a dollar. They must have gotten hurt during the sprint because they're limping again at the next red light as cars queue up. I'm watching you!
Thanks for making feel like a piece of shit after giving me that sad puppy face look cause the sucker in front gave you a dollar and now I have to pretend to be on my phone.

[JoeRedskin]

So, I'm first chair on a fairly large case involving two other agencies who are providing co-counsel. On Friday, my supervisor say our response to the compplaint MUST be filed Monday the 15th because he agreed to that date with opposing counsel. In order to do so, the three authors of the motion need to have their parts done by COB today so that we can have the week to make sure the parts mesh. It's an artificial deadline b/c, by law we have until Nov. 2nd to file a response. Also, my part of the motion accounts for about 2/3's of it and the other two attorneys each have about one sixth. Yesterday was a government holiday and today I was a chaperone on my kindergarten aged daughter's first field trip.

Regardless, I say no problem and am at the office straight through Friday night (8:00 a.m. Friday, 7:00 a.m. Saturday) I go back and am at the office again Saturday night 7:30 p.m. until 6:00 a.m. Sunday) and finish my part last night at home ~ 11:00 p.m.- 3:30 a.m. and have it e-mailed to all concerned.

I get home from the field trip, check the office e-mail from home and there is an e-mail from the boss extending the filing deadline to October 22nd. No explanation.

Thanks. Thanks a whole f'ing lot.

Oh, by the way, did I mention I have a trial tomorrow -- would have been nice to have spent Friday prepping for it.

[RedskinRat]

Originally Posted by JoeRedskin

So, I'm first chair <SNIIP>

I'd be looking for a new law firm, that's an absurd way to treat a person.

[Monkeydad]

Concussions and kickers.

[Chico23231]

how come when i pull up to a urinal at work there is always a puddle of piss below it. Im like wtf how are you missing the effing urinal you dirty mutherf*ckers.

[cpayne5]

Originally Posted by Chico23231

how come when i pull up to a urinal at work there is always a puddle of piss below it. Im like wtf how are you missing the effing urinal you dirty mutherf*ckers.

And why is there always change in the urinal? Wishing well?

[Chico23231]

Originally Posted by cpayne5

And why is there always change in the urinal? Wishing well?

some people piss money i guess.