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AA>> First of all, they needed to look up my account even though I was paying
  >> cash hey said it was to record WHO they were receiving money from. I
  >> assume they a me the person on the other side of the till is potentially
  >> giving them counte it? They even asked me to confirm my account on their
  >> system with my date of th.

AA>BTW.. your quote system is cutting out (and cutting off) words.

When I do replies I pretty much always hit enter brfore the line
gets too long to prevent that, but I find a lot of replies to me
that scroll off the screen often cut off word when quoted back too.

AA>But still the tendency seems to be that coin diminishes and I
  >eventually need a top-up supply.  WHAT the heck are people
  >doing with their coin? - my guess, laundry machines and coffee
  >shops?

I know my local laundromat has a machine that takes $10 and $20
bills and gives you coins for the machines. I haven't tried it
myself so I don't know if it's all one coin or a mix since you
pretty much need both quarters and $1 coins.

I hear at the desk they will sell you coins as well if you don't
want that many.

AA>After the clerk grimaced after my questions for the requirement
  >of needing a bank account for a simple cash-for-coin exchange,
  >she apologised if this process will take longer than expected
  >since "we don't carry much cash anymore".  They are in the
  >*business* of moving cash/coin and they don't have enough to
  >for a small $400 transaction? That's pathetic.

I think that depends on the bank. I've had CIBC insist you
call ahead to pick up amounts of cash bigger then $2000 or so
and yet one day at RBC I expected to be refused, but I asked
to take out $10,000 from my account and they said it was no
problem.

AA>I already refuse to step into the credit union to make regular
  >deposits. There is a fee for every deposit - and the physical
  >cash portion has a supplemental "handling" fee of its own now
  >too! - so, now I tend to pay my bills in cash where I can.

It's decades since I was involved with a Credit Union but I
don't recall fees for simple things like that back then.

AA>This book is illuminating.. but most of it simply chronicles
  >the enshittication of the banking system and there is really
  >nothing we can do about it:

AA> Fleeced: Canadians Versus Their Banks | Paperback
  >Andrew Spence

My main bank, I find that even when I do something dumb that
generates a fee, they virtually always reverse the fee if I mention
it to them. I found that out when a cheque written to me bounced,
which caused a payment I had going through to be NSF, which brought
about a fee.. That happened right at the end of the month so the
next day the regular account user fee came due, and that caused a
second NSF charge..  When I stopped in the next time I said that I
could see the first one, but I thought that the second one that
quickly was unfair, and they reversed both of them.

More recently there was a $25 fee for something caused by a
misunderstanding of when the fee for a transaction would come
through. I expected it at the end of the month but they put it
through the same day I set up the service. Again, a polite
complaint that their system was not clear and they reversed
that charge so, in general, I've gotten off fairly easy..    B)

---
 * SLMR Rob  * Don't drink and write Taglines
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