Bank of Ireland branch in Phibsborough, Dublin 7
So, I can’t lodge a bank draft into BoI account in the @bankofireland branch in Phibsborough as they have no cashiers. No cashiers. In a bank. A sterile, soulless, anti-customer place it was too.
They make @UlsterBank look good.
— Lorcan Sirr (@lorcansirr) January 10, 2018
I went into the Bank of Ireland branch on the corner of Merrion Row and Stephen’s Green a while back to do something or other, and got sheepishly directed to another branch 500 yards down the road. They have nobody who can do anything. Why are these places still open?
— 🌴🐟 Jonathan O’Brien (@obrien_jonathan) January 10, 2018
Yep. They directed me to the O’Connell Street branch. Useless.
— Lorcan Sirr (@lorcansirr) January 10, 2018
Anyone?
Pic: Google Maps
Do banks need a soul? Have they ever had a soul?
Bank draft? Why do people still use these, or cheques for that matter?
Either way, banks and indeed governments don’t want people using paper, be that cash or cheques/drafts. Electronic payments gives more traceability.
You can buy a car with your debit card these days.
Having said all that, banks aren’t going back to the way they were. It’s a shame for older people etc. but that’s the way it is.
Hi, are bank drafts or cheques illegal now? If not then people are still entitled to use them.
But people must understand that irish banks can do whatever they like.
Their annual reports should include the phrase “we lie to the Irish public and regulator” in the introduction
People are entitled to use them, but they are more costly to process.
So, the more people use them, the more fees we all have to pay. Whether it’s right or wrong, that is what will happen.
Wait, if everyone stops using bank drafts, there’ll be a reduction in fees? That seems very optimistic
Haha! this
Ever increasing fees with ever decreasing costs…amazing
Like how a worker is more productive with less time due to technology but sees little increase in wages…
Just because something is legal doesn’t mean that a company is forced to use it.
Both VHS & Betamax are legal – good luck getting any new movies on tape.
the banks can well afford to treat their customers fairly and process their payments, but they don’t, happy in the knowledge that serfs such as yourself will defend their actions..
Sure we only own them several times over.
never argue with an idiot dav
yes of course dav. If people want a different way; then they should make that clear in their voting patterns. Maybe if Corbyn gets elected in the UK he will nationalise the banks etc.I doubt it; we can but wait and see.
State regulatory authorities want to get rid of paper, that’s policy. Not just here.
Gimme some of that sweet sweet crypto…
only time last year i actually had to go into a bank was to lodge my irish water refund cheque, which was an apt ending for the whole backward saga
The ONLY reason that those refunds were issued by cheque is because large numbers of people will never bother to lodge them.
I called up IW and said: “I paid you by direct debt, why can’t you just refund it to the account I paid it from?” and they would not give me a straight answer.
I did the same at a BOI before Christmas but the teller told me cheques should only be lodged via the lodgement machine/ATM. He took it at the desk “just this once”.
Why not use the lodgement machine? Did this person “have to” go to another branch because they refused to use it?
Edit: check on twitter. He wanted to lodge a bank draft into someone else account which is weird.
I certainly would not put a cheque, cash or a draft into a machine without it been verified by the bank at the time as to the amount. These boys are running windows 98 and haven’t a good track record.
If I have to lodge, I’ll do it person to person. The ballet masters that try to divert me to machines are told politely that I use the cashiers so that their jobs remain as long as possible.
Do you reckon the rate of human error is less than that of machine error?
Their machines can’t tell what what was lodged.. you could lay a pipe type of a deposit and a teller has to check it later on.
You’ve clearly never used one of the machines then. It scans it, shows the imprint on screen, tells you the amount it’s worth, asks you to verify the amount then prints a reciept which also shows the amount.
oh no…they’ve become self aware.
She hasn’t.
Well if their machines can give out incorrect amounts or allow people to withdraw more than they have in their account, or more than their authorized overdraft, then I’d rather place my trust in lodging with a human, who physically counts what’s being lodged. If there’s any disagreement, it can be recounted in full view as many times as it takes. Put it into a machine though and what come back have you (or they)
Here Giddy
Move all your banking to the Credit Union
That’s the environment for you
I run with both.
What’s with the ‘Q’?
Suit yerself
Will do. What’s with the ‘Q’?
I’ll leave the gambling to you. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/24/24-banking-disputed-cash-payments.htm
You have to verify the amount when you deposit it into a machine.
And how do thy know if what i’ve verified is actually correct? Would their, or my, verification stand up in court?
Yeah. real mafiosa stuff
The arrival of technology into banking has been a huge plus in my view. I basically never have to go near a physical branch anymore. I don’t miss the days I spent in an SME chasing debtors who always said “the cheque is in the post”.
Cheques and bank drafts are unheard of in large parts of Europe. Everything is done by bank transfer. It is great for staff who don’t run the risk of having guns pointed at them just for doing their job.
Irish banks should just finally kill the cheque. It would greatly help if they lifted the daily 10k limit on bank transfers. This shouldn’t be necessary with good 2-factor identification systems in place.
It’ll be safer for staff too when there’s none of them there.
Sweden moved as far away from cash as possible from the 1970s on.
The move was driven by bank official unions looking for safer conditions for their workers.
Being held up by threat of violence at work is not pleasant. I speak from personal experience.
How we all miss losing our Friday lunchtimes to queue with our pay cheques and make sure we had enough cash for the weekend.
The cash machine at the bank at the corner of the South Mall and Parliament St in Cork used to give out fivers. That used to be very important information back in my student days.
Same with BOI Rathmines. Cans Cans Cans.
But the civil service will get an additional hour per week to lodge their pay. Even though it may be lodged electronically by the state.
Semi States too.
AFAIK it’s ‘only’ 30 minutes. and it only applies to people that would have historically gotten cheques. Anyone that joined the civil service since 1995 doesn’t get this.
It is a joke that the old ones get it.
♫ Oh Johnny Boy, the banks the banks are closing
No men or women, to help you anymore
The counter’s gone, machines are multiplying
Tis you tis you, must update or say goodbye
But come ye back, cause they’ll still need to charge you
For services, that you once had before
They’ll still be there, as machines there in the shadows
Oh Johnny boy, oh Johnny boy, they’ll rob you so ♫
I think this is great. The more the banks abuse their customers, the more the customers turn to the Credit Unions.