Dear Former "Front Line" Bank Employee Smakbat- glad to hear you've left the business if its not suited to you

fyi- I have worked (and am currently employed) by a Bank and have been for the last 10 years (to present) --->....this may satisfy your qualification for: "...perhaps actually work on the front line without your siren before you make such blanket judgements"??? (sorry to bust your bubble(s)

,,,and in life Smakbat- - naturally there's a lot that gets past everyone! Welcome to the club...

Placo- don't assume anything- "know" exactly what you get for the $5/mo and exactly happens to the wire in the time periods in question....

Follow the amateur voice and you'll stay frustrated and in the dark follow a disciplined strategy and become enlightened- - to each their own.

There appears a clear lack of real substance from many responses to your inquiry,,,,you can sort them out for yourself- - again to each their own. Opinions are just that...but if you want to "know" :

Banking is a business just like any business (goods or services exchanged for a price). Its the American Way!

If you are doing business with a Bank, saving and loan, credit union, brokerage, cash and save, etc.- - its makes good sense to know your service & benefits, the costs of those benefits, appropriate business practices, etc.

After the fact finding mission determining whether your expectations and the business practices are reasonable is a piece of cake.

Brain- you really think this has something to do with "ATMs"???

-fad