i officially am ready to switch banks. i signed up for national city when i started college only b/c it was a bank on campus, and i ended up sticking w/ them despite other banks having better interest rates... just b/c i didn't want the hassle of switching. well, i'm DONE! for our wedding we got a bunch of checks we've been depositing slowly. on this particular trip to the bank, some were addressed to tim so he endorsed the back of all of them to me, and then i signed underneath him. for those, the teller was like, "oh there are too many here. if you just had 1 or smthg it'd be ok. but w/ this many we need to see his ID." and i was like, "so if i had one check like that and it was worth $5000 that'd be ok, but b/c i have 8 that are worth $2000 that's not ok?" i could tell she got flustered after that. and then there were other checks made out to both of us, so i signed those and i thought i'd be able to deposit them. but she said that b/c BOTH our names were on them, BOTH of us had to endorse them, regardless of whether "and" or "or" was used between our names. that really pissed me off b/c if a check's made out to either me OR him, then i should be able to deposit it on my own! so this lady (?manager) came over after hearing the commotion. and she said they couldn't cash ANY of those checks b/c he didn't belong to national city. so i was like "fine just deposit the ones made out to me, and i'll deposit the others in his account. we'll close this one later." and they were like "all banks are going to have the same policy." so in any case we went to fidelity, tim's credit union, and they accepted all the checks! he just had to sign all of them, which makes sense. i got added to his account too... i WAS going to add him to my national city account, but now i'm so upset that i want to switch banks! i realize that adding him to the account would solve the check-depositing issues, but now i'm not going to do it out of SPITE! yes that's right, i can be a real grudge-holding bitch. it's ridiculous that if a check is made out to 2 ppl, both have to be national city members in order for them to even consider depositing it. half of all married couples now have separate bank accounts, so does that mean that the checks they receive made out to both of them are worthless... that no bank will deposit them if they don't belong to the same bank?! oh my god. they are so retarded. i've asked other ppl, and although it seems banks are getting stricter about depositing checks, other ppl have had no problems depositing checks like the ones i had. i'm just so upset at national city that i want to take my business elsewhere! unfortunately i have my direct deposit going there, so i have to open a new account first, change the direct deposit, and THEN close the account. plus i just moved a bunch of money from my savings account into a CD and i can't touch that money for a year. :( so that's it. we are officially on the lookout for a new bank! i'm thinking of TCF, LaSalle, or Flagstar. Anyone have experience w/ any of those?
