Online Banking Verses Actual Bank

[tiggerblue10]

Going on from Ringlets Q regarding Tesco and approval verification on banking app, are you an online banker or do you still prefer to visit a branch? If branch, what don't you like or what puts you off the online way?

[Bazile]

Local Banks will soon be like your local cop shops i.e. non existent

Me and er indoors went to our nearest cop shop to hand in some money we had found , only to find it had shut .
So we went to the next nearest one , only to find - guess what- it had shut .

We had no idea that all the local cop shops had been closed .

[Buenchico]

>>> We had no idea that all the local cop shops had been closed .

Here in Suffolk, they all closed ages ago. There are now only three police stations in the entire county (Ipswich, Bury St Edmunds and Lowestoft) that are open to the public, with those only opening 'office hours' from Monday to Saturday.

[Buenchico]

PS: Although I believe that they make an exception for cash, Ipswich police station has a sign in the window stating that they don't deal with lost property.

[ToraToraTora]

Haven't been to an actual Branch for years, last time was about 3 years ago when I sold a bike and they gave me cash, I hate that, pain in the proverbial! Anyway I have nothing against branches per se it's just a hassle to go there, which is more or less the same for everything. Why go and buy anything when you can probably get it cheaper on line and a nice man in a van brings it! The only down side to that is my JRs barking their kin heeds off N times a day!

[Arksided]

On-line, I too can’t remember last time I went into the bank. I find the mobile app easier than on-line. The Tesco approval feature is fairly new but simple, I’m get ready now for the ten minute window.

[ToraToraTora]

OG will be along soon to tell us we are all fools. He still carves cheques in granite with a cold chisel! :) only ribbing OG!

[Bazile]

There was two cops outside the second one we went to - i think they use the premises now to park police vehicles .

Anyway we handed in the cash to one of them who took our details in case no one claimed the cash , then we would be contacted .

That was donkeys ago - we haven't been contacted 'yet'

Do you suppose someone actually claimed the cash ( it wasn't a large amount ) :-)

[ichkeria]

I’m all for having bricks and mortar branches but I’d hate to have to rely on one.
Imagine if all the banks currently having to deal with the current mortgage chaos could not arrange video calls?

[barry1010]

I pay my window cleaner and gardener by bank transfer, they prefer it and so do I.
I rarely have cheques but I can pay them in with my mobile phone, or failing that, post them to the bank.
I rarely use cash but do keep a bit in my wallet. If I need to, I do a 'cashback' when I pay my butcher with my debit card or use an ATM.

I get a (an?) SMS from my bank if I make any sort of payment over £100 (I can set that at any level).

I'm old enough to remember when banks charged me if I issued a cheque, when there were no direct debits, when banking hours and very limited and didn't open on Saturdays. No ATMs. Having to make an appointment and take time off work to see the bank manager for just about anything.

Things have moved on a lot since then, thankfully. I don't really understand why some folk are so resistant to progress.

[Ringlet]

I refuse to have anything to do with online banking.
The reason?
Four years ago I signed up for online banking and within days four thousand pounds was taken from my account by criminals.
This was a few days before Christmas, so we had a miserable Christmas that year.
The bank eventually reimbursed me but it was months before I got the money back.
Since then, I have resisted all attempts to force me to go back to online banking.
I will never do so.

[MissTerious]

On line for me. Has been for years now with no problems. I rarely go in the bank.

[MissTerious]

I use the App. We're withNat West. I say I and not we because OH leaves everything to me financially. Of course its discussed though.

[Hopkirk]

I googled where my bank branch is. Bootle apparently, wherever that is.

[MissTerious]

I pay by Bacs transfer or cash for gardener, hairdresser, dog groomer, tree surgeon etc. Better for them and for me.

[ToraToraTora]

ringlet, sorry you have had a bad experience. How was the money stolen? They can only do it by logging in as you so they must have obtained your details somehow. Of course the world is full of scammers so we all have to be careful.

[Bobbisox1]

GG, I scan cheques back and front with my phone, look to see if the cheque has gone into our account then I shred said cheque, pretty easy really
Same as Zac, both banks in our village have closed,all we have now is an ATM outside the Tesco Direct or drawing money from the PO machine which is a small counter in a very small Newsagents

[naomi24]

I bank on-line but when I tried to transfer a fairly large sum to another of my accounts held at a different bank, it was a nightmare. They kept bouncing it back thinking it was fraudulent - even though I actually rang them and spoke to them three times. I wouldn't want to do that too often.

[MissTerious]

Yep Bobbi. The app let's me pay cheques in on line. Not that we ever get cheques any more! Haven't used a cheque book for ages, except when an investment company wanted a voided cheque for us as part of proof of of bank details.

[MissTerious]

Actually our bank branch in our very little localtown very kindly has chocolates on the counter. A good reason for going in!

[davebro]

If you DO visit a branch the cashier will be processing the necessary transactions on line - so it's just putting another link between you and their computer system.