Personal Banking, it ain't what it used to be.....

I my day, the banks closed around 2:00 p.m.so they could process all the transactions for that day.  To pay somebody, you simply wrote them a check, which could be cashed at just about any bank in the area.  You could even write a "counter check" by just writing your account number on the form.  I even had an account at one bank where you didn't even have an account number.  My, how the times have changed.


If you have a lot of coinage to deposit, you don't have to put them in paper rolls anymore.  The bank now weighs the coins for the most accurate count.

Now, if you want to cash a check, you have to have a photo ID to prove that its you. You also have to have an account at the bank.  In some cases, you have to wait up to five days to have access to the funds after the deposit.

With all of the electronic banking services, you do not have to go to the bank to make a deposit.  Simply use the "mobile banking" app, take a picture of the check and fit it within the square box and you are done.  Young people either don't have paper checks or don't know how to write one.  They use their debit card for everything!  Buy something, use the debit card.  Need cash, use the debit card.  If they are short of funds, they put the charge on a credit card.  They don't get paper bills anymore either, choosing to pay electronically.

Soon we won't even need a multi pack of Charmin.  It will be done electronically!