Nonsensical pricing policy
If I'm online, and I want to see the image of a cheque that has cleared on my account, I have to pay $1.50 for the privilege. Because I'm bad at writing down what cheques I've written to whom, I often wind up staring at the screen and thinking something like, "$203.18? For what?"
If I were to switch to paperless accounting, it would be free to view the cheque. But I don't want to go paperless. It doesn't save paper. It just means I have to remember to print my own statements and file them with my financial statements. Paperless means the bank saves on paper.
So what do I do if I'm a cheapskate and don't want to pay the $1.50? I call the bank. A friendly teller (this is Nova Scotia, remember) will then take time she could be spending serving a customer in the branch to look it up for me, and tell me -- free of charge -- to whom the cheque was made out.
I use far more of the bank's resources, and the bank lets me do it for free. Does this make any sense?
If I were to switch to paperless accounting, it would be free to view the cheque. But I don't want to go paperless. It doesn't save paper. It just means I have to remember to print my own statements and file them with my financial statements. Paperless means the bank saves on paper.
So what do I do if I'm a cheapskate and don't want to pay the $1.50? I call the bank. A friendly teller (this is Nova Scotia, remember) will then take time she could be spending serving a customer in the branch to look it up for me, and tell me -- free of charge -- to whom the cheque was made out.
I use far more of the bank's resources, and the bank lets me do it for free. Does this make any sense?
Labels: Banking, Customer service, Pricing, Stupidity
posted by Philip Moscovitch Link
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1 Comments:
Here's another way to look at it. Presumably when you talked to the teller you were charming and friendly about it, and in return she felt happy about helping you out. So happy in fact that it might even have been one of the highlights of her day...gave her a break from reconciling cheques or serving customers in line who were grumpy from having to wait...
Because you were able to enrich her job that way you saved the bank the trouble. Perhaps they can avoid giving her a pay increase at the end of the year because customers like you made her work day more interesting and fulfilling...
If you can figure out where I come up with stuff from...let me know...because I have no clue...
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