Wednesday, February 27, 2008

Five Dollars

I got an expense check from work for $270. With only one day in town before heading back out again for several days, I decided to just cash the check at my company's bank rather than take a cab to my bank to deposit the check.

So I went to Chase Bank to cash the check. The teller asked me if I had an account with them and I said no. Then she said, "You know there's a $5 charge."

"For cashing a check?"


"For cashing a check drawn on YOUR bank where you can look into the account and see that there is a balance?"


"What's the $5 cover?"

"Well, it doesn't cover anything."

"It's a surcharge?"


"For what?"

"To cash the check."

"Because I don't have an account?"


"So where does the $5 go?"


"Yeah, where does it go? How do you account for it?"

"I don't know that?"

"Pizza party, perhaps?"

"No, sir."

"Can you waive the fee?"

"No, sir."

"Would you if you could?"


"I just think it's ridiculous."

"Yes, sir. Do you want to cash the check?"

"Do I still have to pay $5 to do it?"

"Yes, sir."

"Do I have a choice?"

"You always have a choice."

And with that, I walked out of the bank with my $265.


  1. Swear to God, that sounds like an experience I could've written about (including the snappy dialogue).

  2. That's why I hate banks. You should have asked her how much it was to open a account.. then put the check in there.. deposited the money.. and closed it.. that drives me crazy surcharges which is why I try my best to avoid them.

  3. Life can be so awesome sometimes.