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Hey August

RM> I went to the business teller one day and asked if it is
RM> possible to get a higher daily limit. The lady there said that
RM> it could be increased to as much as $1500, and I said that would
RM> probably be okay..  And she got this high and mighty look on her
RM> face and said, "We don't give that to just anyone!"

AA>Again..  must have been your charm, perhaps?  :D

In that case of course, this would have been someone fairly new
to the bank who didn't know me. I also tend to wear very plain
clothes, jeans and a casual shirt when shopping. I don't look
ragged but I don't look like I'm rolling in money either.

AA>I did not know those ATM limits could be changed for each
  >individual.  Most bank plans have published hard limits for
  >withdrawals.

Yes, it turns out there is a bit of flex that they don't like
to advertise. It helps them entice people they think will be
good customers without everyone thinking they should be treated
the same.

It's like the old saying, If getting a divorce was easy then
everyone would get one...   B)

One time I was getting my Line of Credit freed up from being
locked into investment funds to guarantee payment. It tends
to slow things down because you need them to release their
hold on your investments before you can move or cash them.
When I decided to do that my banking person said that she'd
try to get me a good rate without the LOC being guaranteed.
I heard her on the phone talking to the head office, and she
said "2.24%? That's not bad, thanks..."  And then when she
hung up she turned to me and said I got you Prime plus 1.99%.
I said, I thought they said 2.24%? and she said, yes, but I
have enough pull to lower that by another .25%..
They also more tha doubled my LOC Limit at the same time.
So it's nice to know the right people...

When secured it was at Prime plus 1.75%..

AA>I haven't even used an ATM to withdraw cash for over 10yrs - I
  >seem to have plenty of physical cash from the people who pay in
  >cash at the shop.  My problem is depositing that cash so that I
  >can pay bills electronically.

I pay most everything online these days and probably 75% of the
times I go to the bank I use their machine at the entrance and
never see a teller. Mostly I only go any further is for meetings
with investment managers rather than for simple banking needs.

Other than that you are usually either looking to get some cash
or depositing some cash, and you can do both at the machines
within certain limits.

---
 * SLMR Rob  * The computer didn't hang up from InterNet last night?!?
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