Hello Charles!

** On Monday 18.01.21 - 12:51, Charles Pierson wrote to August Abolins:

The 3rd is slightly closer to me than the other 2. I've
never had much over a wait when going there. The problem
comes from a change it made a few months prior to Covid.
This location went tellerless, Meaning that instead of a
teller, you walk up to a machine which is basically like an
ATM. Only instead of using your debit card, you type your
account number onto a keypad, then you are video linked to
a person, who might be in an office there, or anywhere
really, to conduct your transactions. Loans or other things
do still have actual person to person situations though.

I've never heard of the video feature. How do you like it? I
would assume that if there is a video-teller, then it is not
available 24 hrs.

When or even before Houston/Harris County began their
lockdown they actually closed the location except for drive
through banking.. Luckily, it was minimal problem for me,
since the only thing I ordinarily needed to go to the bank
for was twice a month to deposit one check..

Which reminds me, I'll probably want to discourage cheques now
too. The only way to process them is to go to a bank. No thanks.

I utilized drive-thru banking a few times, but that was decades
ago, and in a major city. It wasn't totally bad, but sometimes
the height didn't seem right for my passenger vehicle.

--
../|ug

--- OpenXP 5.0.48
* Origin: Mobile? Join CHAT here: https://tinyurl.com/y5k7tsla (1:153/757.21)

On 18 Jan 2021, August Abolins said the following...

account number onto a keypad, then you are video linked to
a person, who might be in an office there, or anywhere
really, to conduct your transactions. Loans or other things
do still have actual person to person situations though.

I've never heard of the video feature. How do you like it? I
would assume that if there is a video-teller, then it is not
available 24 hrs.

Honestly, if I'm at a machine, It might as well be an ATM that allows
deposits, which I've seen for years. Worst case, the depsited checks take a day or two to post to your account, which can happen in any case. I was tempted to ask for rolls of change to see how that was handled, as the only slots I saw were where the cash/checks were fed in and the slot bills came
out, and the receipt printer. I didn't notice any thing to deal with coibs.

Which reminds me, I'll probably want to discourage cheques now
too. The only way to process them is to go to a bank. No thanks.

Some banks do have mobile apps that handle depositing checks electrinuxally, but I'm not sure how it works exactly. But there are many places around here that don't accept checks.

When I first opened the account with my current bank, my checking account was actually called "No check checking."

WHhile on this subject, does your shop accept electronic payments?

I ask, because last summer while I was trying to get my nursery/yard art business going, I primarily used Online market places like LetGo or OfferUp.

Mostly LetGo, because I liked the interface better. It was aquired by Offerup though so that's that.

In any case, a few people when asking about plants and such, asked me uf I accepted Venmo or CashApp or Paypal. Through those you can process payments and Transfer funds to the bank electronically. Just an idea.

--- Mystic BBS v1.12 A46 2020/08/26 (Raspberry Pi/32)
* Origin: theoasisbbs.ddns.net:1357 (1:106/127)

Hello Charles!

** On Monday 18.01.21 - 18:20, Charles Pierson wrote to August Abolins:

I was tempted to ask for rolls of change to see how that
was handled, as the only slots I saw were where the cash/
checks were fed in and the slot bills came out, and the
receipt printer. I didn't notice any thing to deal with
coibs.

I don't there is any ATM in Canada that offers coins.

But that is another thing.. eventually I run out of coins. Why
are people hoarding that stuff? My only option is/was to go to
the bank. Now, in light of the recent "by appointment only"
imposition, I have another solution. But maybe I shouldn't
mention it - at least, not yet.

Which reminds me, I'll probably want to discourage cheques
now too. The only way to process them is to go to a bank.
No thanks.

Some banks do have mobile apps that handle depositing
checks electrinuxally, but I'm not sure how it works
exactly. But there are many places around here that don't
accept checks.

Yes.. my main bank has the "take a pic with your smartphone" and
deposit it that way method. But I don't have a current
smartphone that will support getting apps from the google-store.
I *could* however install the .APK direct, if I could get it.

When I first opened the account with my current bank, my
checking account was actually called "No check checking."

OMG. What nonsense in their naming of things just to sound
different and get your attention.

WHhile on this subject, does your shop accept electronic
payments?

I ask, because last summer while I was trying to get my
nursery/yard art business going, I primarily used Online
market places like LetGo or OfferUp.

Yes.. I have a commercial terminal for that. It accepts
Mastercard, Visa, Debit, and ApplePay. People can also make a
payment online via PayPal or eTransfer too.

Never heard of the LetGo/Offerup alternatives. Maybe it's just a
USA offering.

They seem to be tied in with specific items for sale. I would
need a simple alternative to just send cash.

In any case, a few people when asking about plants and
such, asked me uf Iaccepted Venmo or CashApp or Paypal.
Through those you can process payments and Transfer funds
to the bank electronically. Just an idea.

Another popular service is the Square. It's a pretty good
solution for someone who needs portability.
--
../|ug

--- OpenXP 5.0.48
* Origin: Mobile? Join CHAT here: https://tinyurl.com/y5k7tsla (1:153/757.21)

On 19 Jan 2021, August Abolins said the following...

I don't there is any ATM in Canada that offers coins.

I don't know of any ATM that does coins either, That's my overall question on that subject.

But that is another thing.. eventually I run out of coins. Why
are people hoarding that stuff? My only option is/was to go to
the bank. Now, in light of the recent "by appointment only"
imposition, I have another solution. But maybe I shouldn't
mention it - at least, not yet.

I know with the supposed coin shortage we had/have here, some stores had some option on their transactions, I'm not sure what though. I mostly only use
cash at the gas station, since gasoline prices are cheaper when paying cash.

Yes.. my main bank has the "take a pic with your smartphone" and
deposit it that way method. But I don't have a current
smartphone that will support getting apps from the google-store.
I *could* however install the .APK direct, if I could get it.

It's an option.

checking account was actually called "No check checking."

OMG. What nonsense in their naming of things just to sound
different and get your attention.

It wasn't a thing I looked for. I was in a work therapy program throygh the
VA hospital, Part of it was a requirement to open the account there. It was extremely limited, the Debit card only allowed $50/day for example. I
believe it was due to many of the participants were going through drug/acohol addiction treatment so the limit was to keep them from blowing their mobey on such things. My own problems are due to anxiety, depression, and something similar to PTSD, so money management wasn't actually an issue in that way.

Yes.. I have a commercial terminal for that. It accepts
Mastercard, Visa, Debit, and ApplePay. People can also make a
payment online via PayPal or eTransfer too.

Paypal and the like were what I meant.

Never heard of the LetGo/Offerup alternatives. Maybe it's just a
USA offering.

They seem to be tied in with specific items for sale. I would
need a simple alternative to just send cash.

LetGo/OfferUp and others are like Online Yard Sale/Flea Market type things,

OfferUp, I believe has options available to pricess payments through them,
but I haven't done much throygh their service.

Another popular service is the Square. It's a pretty good
solution for someone who needs portability.
--

I actually have one of the square devices, somewhere.

--- Mystic BBS v1.12 A46 2020/08/26 (Raspberry Pi/32)
* Origin: theoasisbbs.ddns.net:1357 (1:106/127)

Hello Charles!

** On Tuesday 19.01.21 - 08:01, Charles Pierson wrote to August Abolins:

Another popular service is the Square. It's a pretty good
solution for someone who needs portability. --

I actually have one of the square devices, somewhere.

I was poised to consider that as my main payment device. But, at
the time, it did not offer Debit payments. Also, the overall
per-transaction fees were at least double for what I was paying
using the traditional hardwired terminal. Also, there was no
backup method to conduct a transaction should the internet go
down. The traditional terminals offer dialup as a fallback -
and THAT has come in handy numerous times.

It does seem costly to pay for a tradition POTS phone line
(business rate = $80/mo) ...just to accomodate a dialup fallback
for the terminal.

If I truly wanted to reduce those expenses, then I should switch
to pure VOIP for my phone system, and use the Square - and hope
that all transactions will succeed.

But.. I'll stick with the traditional method for now, despite
paying a monthly fee for the terminal itself. :(

Oh.. another way people can pay me is by buying a gift
certificate online via https://Anycard.ca/store/ashlies, and
the funds end up in my bank in 2 or 3 days.

The service takes a 10% cut though. :(

--
../|ug

--- OpenXP 5.0.48
* Origin: Mobile? Join CHAT here: https://tinyurl.com/y5k7tsla (1:153/757.21)