3 things you’re doing that annoy bank tellers

Whether you’re looking to spend less, keep more in the bank or avoid fees, a little strategic planning can go a long way. My husband recently left the house to pull out $65 in cash. He figured he would get $60 of it from our online bank’s ATM and $5 cash back from the pharmacy where the ATM is located. His plan hit a snag when the store clerk informed him that $10 was the lowest amount he could get as cash back. He then drove to a rival pharmacy where he found out the policy was the same.

Knowing we probably didn’t have enough left in our checking account to take out $70, he realized he needed to transfer more money into the account, which he then did. Though he was able to finally get the money he needed, this process was far from simple: one ATM transaction, two failed cash-back attempts, an online bank transfer and, finally, a successful cash-back attempt — albeit $5 over what he originally wanted (but at least no overdraft fee).

Overdraft fees are on the rise, and consumers can pay as much as three or four dollars every time they use an ATM that’s not in-network. While it’s unfair to pay such fees, I find planning ahead and going a little old school is the best way to combat them. Some of these ideas might benefit you while simultaneously irritating a teller.

While banks like Chase have debuted some ATMs that dispense money in a variety of denominations to meet customer needs, other banks have not followed suit yet. Though the popularity of mobile payments has taken off, using cash isn’t completely obsolete yet. I know, I know: You’re going to get on my case and tell me I’m out of date. But until we completely move to a cashless society and everyone can access their money via mobile phone, there are still times when cash is the best payment of choice.

Here are a few things you can do to save money — but really irk your teller.

1. Withdraw a Customized Amount

To avoid another scenario like the one mentioned earlier, I get the exact same amount out of my bank from a human. This might seem like an antiquated killer-of-time, but the end result is precision: the exact amount you need. This also eliminates costly mistakes such as fees for overdrawing on your account or spending extra money you didn’t plan on spending when you’re forced to pull out more than you need (i.e. $80 instead of $65).

2. Get Smaller Denominations

While mobile payment transactions have skyrocketed, there are still times when you need to use cash. As a busy working mom, I tend to still need singles handy for my children on a regular basis. I also still find it more convenient to use when traveling — it comes in handy for tips, cabs and for other random places where I don’t want to use my debit or credit card (i.e. hot dog stands or food trucks) or am not able to do so.

Although we are turning into a cashless society, it can still be more convenient to have singles — and I can get those easily from a bank teller. If you use singles, you don’t have to worry about making change and spending more than you can afford. When’s the last time you asked a charity to make change? For these reasons, I once again use the teller to make sure I have singles on hand.

3. Make a Routine of Getting Your Money Out in Advance

Most of us tend to abide by routines, both daily and weekly. Knowing what your spending routine is can help you formulate a plan of how much money to take out for the week. This can be done on a the weekend as you’re preparing for your work week. If using the teller gets you the desired result, so be it. This helps to combat making random trips throughout the week.

Make a list of items you typically purchase during the week with cash. Come up with an amount that matches what you anticipate. Even unanticipated expenses can be estimated on some level, if you take a glance at your coming week (of course, try not to let that list hold you up for too long at the teller’s window).

For these reasons, I make sure I get my money out in the increments that work best for me. Also remember, if cash were completely obsolete we wouldn’t need ATM machines in the first place.

ad-high_impact_4
Business
SHOT Show 2019: Astronaut Knife M-1
To celebrate the 50th anniversary of the Apollo 11 moon landing, Case, the maker of the Astronaut Knife M-1, debuted their commemorative model marking the event at SHOT Show 2019 in Las Vegas. (Mick Akers/Las Vegas Review-Journal)
World of Concrete Day 2 boasts several competitions
Several competitions, including the Apprentice Masonry Skills Challenge for first-year competitors, highlight Day 2 of the World of Concrete show at the Las Vegas Convention Center. (K.M. Cannon/Las Vegas Review-Journal) @KMCannonPhoto
Massive trucks make appearance at World of Concrete
World of Concrete exhibitors discuss the steps to getting giant vehicles inside the Las Vegas Convention Center. (Bailey Schulz/Las Vegas Review-Journal)
SHOT Show 2019 Day 1
SHOT Show -- Shooting, Hunting and Outdoor Trade Show -- kicked off Tuesday, Jan 23, at the Sands Expo and Convention Center in Las Vegas with more than 58,000 expected to visit the four-day show. (Todd Prince/Las Vegas Review-Journal)
SHOT Show 2019 opening
SHOT Show -- Shooting, Hunting and Outdoor Trade Show -- opened Tuesday, Jan. 22, at the Sands Expo and Convention Center in Las Vegas with 15,000 firearms. More than 58,000 people are expected to attend the industry’s biggest show. (Todd Prince/Las Vegas Review-Journal)
Housing development at former Great Mall of Las Vegas site
The Las Vegas City Council approved plans for hundreds of homes on the former Great Mall of Las Vegas site in the northwest valley. The mall was proposed during the mid-2000s real estate bubble and was supposed to be at least 2 million square feet. But it was never built, and the land was lost to foreclosure during the recession. City documents now show plans for 303 houses and 491 apartments.
World of Concrete attendees on the border wall
Attendees at the 2019 World of Concrete convention discuss the best building materials if a wall were to be built along the U.S. border. (Bailey Schulz/Las Vegas Review-Journal)
Xtreme Manufacturing and Snorkel at World of Concrete
World of Concrete boasts 1,600 exhibitors across 745,000 net square feet at the Las Vegas Convention Center. (K.M. Cannon/Las Vegas Review-Journal) @KMCannonPhoto
CAT Smartphones displayed at World of Concrete 2019
CAT phones for trade workers on display at the 2019 World of Concrete convention. (Bailey Schulz/Las Vegas Review-Journal)
More woman-focused workwear coming to market
Carhartt Company Gear senior brand manager Katelyn Donah discusses a growing percentage of women in skilled trade professions. (Bailey Schulz/Las Vegas Review-Journal)
MGM Grand Plans To Add Retail And Dining To Its Strip Facade
MGM Grand President and Chief Operating Officer Scott Sibella said executives are “discussing redeveloping that entire frontage of the building out to the Las Vegas Strip.” (Todd Prince/Las Vegas Review-Journal)
Boyd Gaming planning new corporate campus
Casino operator Boyd Gaming Corp. has filed plans to build a new corporate campus. The plans call for two 10-story office buildings and a six-level parking garage in the southwest Las Vegas Valley. Boyd Gaming operates The Orleans, the Suncoast, downtown's California Hotel and other properties. The new headquarters would be just a mile from its current main office building.
Bellagio Conservatory transformed to celebrate Year of the Pig
The Bellagio Conservatory Team transformed the 14,000 square foot conservatory to commemorate Chinese New Year, the holiday that marks the end of the coldest days of winter. (Rachel Aston/Las Vegas Review-Journal)
CES 2019: Intro uses sound to connect people
Intro, a startup that is part of the Future Worlds Accelerator in the UK, has an app that uses ultrasonic sound to find people and companies nearby. (Mat Luschek/Review-Journal)
CES 2019 Video: CES wraps up another year
Time-lapse video of the action at CES 2019 in Las Vegas. (Mat Luschek/Las Vegas Review-Journal)
CES 2019: Create your own beauty products
Beauty Mix by BeautyByMe is a product that lets you create your own cosmetics and beauty products. (Mat Luschek/Las Vegas Review-Journal)
CES 2019: Picobrew’s home brew machine
Picobrew brings automation to homebrewing. (Mat Luschek/Las Vegas Review-Journal)
CES 2019: Surviving CES
What it's like to spend four days working the mammoth tech convention. (Jason Bracelin/Las Vegas Review-Journal)
Haier’s smart home
Haier presented smart home technology at CES 2019.
CES 2019 VIDEO: Foldimate makes laundry day easy
Foldimate has created a machine that will fold your laundry for you. Just feed it anything you need folded and it will do the rest. (Mat Luschek/Las Vegas Review-Journal)
CES 2019: Opte device corrects skin spots
Opte from Proctor and Gamble is a device for correcting spots and freckles from skin. It analyzes the area for spots and then covers them with a serum of matching skin tone. (Mat Luschek/Las Vegas Review-Journal)
Circa hotel-casino in downtown Las Vegas unveiled
Derek Stevens reveals Circa hotel-casino in downtown Las Vegas. He plans open by the end of 2020. (K.M Cannon/Las Vegas Review-Journal)
Circa, new casino coming to Fremont Street
Casino owner Derek Stevens announces his new property Circa, coming to Fremont Street in downtown Las Vegas in late 2020. (Michael Quine/Las Vegas Review-Journal)
Dreenk My Oeno makes wine suggestions
At CES 2019 in Las Vegas, the Dreenk My Oeno tells you all about wine.
Polaroid One Step Plus camera unveiled at CES 2019
Polaroid has moved into the digital age with its One Step Plus camera with Bluetooth. With the connected app, it turns your smartphone into a remote for the camera, along with filters and features. (Mat Luschek/Review-Journal)
Amazon is everywhere at CES 2019 in Las Vegas
Seemingly everything works with Amazon Alexa
LG Smart Mirror helps you dress snazzy
LG’s Smart Mirror is less of a mirror but more of an assistant to help get you looking snazzy. It takes your image and recommends clothes for you or matches existing clothes with new clothes, which can be purchased right from the mirror. (Mat Luschek/Las Vegas Review-Journal)
Underwater robots make waves at CES 2019 in Las Vegas
Robosea is a company dedicated to underwater robotics. They produce consumer robots for underwater filming as well as commercial products which can be used for underwater research. (Mat Luschek/Las Vegas Review-Journal)
CES 2019 - Victrola record players spin in Las Vegas
A new spin on an old favorite, Victrola record players are meeting a demand for retro products. The brand is also making furnitures with built-in speakers.
CES 2019: Slamtec robots ready to serve
Slamtec is a robotics company out of China whose goal is to provide solutions for laser localization mapping and navigation. They have created two autonomous robots that can be used in areas such as bars, restaurants and malls. (Mat Luschek/Las Vegas Review-Journal)
TOP NEWS
News Headlines
ad-infeed_1
ads_infeed_2
Local Spotlight
Home Front Page Footer Listing
Circular
You May Like

You May Like