Last Monday when I woke up Wachovia was my bank.
Wednesday, it was Citibank.
Friday, Wells Fargo.
Now I’m not sure. And I’m not sure it really matters. Citibank and Wells Fargo are duking it out for the honor of my business. I’m touched that they care so much.
A long, long time ago, banks were local. You knew the people who worked there. You went to church with them…and to school with their children.
One time when I was in college I came home and made a stop at my bank to take care of a little business. I asked for my balance and the teller told me a sum that seemed high to me. “Really,” I said excitedly, thinking of things to buy. Then I caught on…”Wait,” I said to her. “Which way?” She gave me a big thumbs down–the universal symbol for OVERDRAWN. Turns out that a deposit that had been mailed in hadn’t made it to the bank yet.
“Oh well,” I told her, “I’m sure it’ll be here soon. But in the meantime, I left my checkbook at school. Do you think I could have some counter checks to get me through the weekend?”
Somehow I just don’t see WellsCitiFargoBank giving counter checks (if they even still exist) to an overdrawn college student. And they probably shouldn’t. Giving money away recklessly is one of the reasons we’re in this mess in the first place.
Sooner or later, I’ll have a new bank. As long as they don’t screw up my direct deposit or my online banking, I’ll be fine with it. Because when you get right down to it, you really can’t tell them apart anyway.