What would you like to have from your bank?

ses6jwg

I don't want longer opening hours thanks.

I have a family and a life. If you have a cheque to pay in use the postal/ atm deposit system or insist on a BACS credit.

I'd rather be at home with my daughter at 4pm on a Sunday afternoon than paying in a £3.50 dividend cheque that won't enter the clearing system until Monday anyway.

nzseries1

What I want is...

To automatically receive the same interest rate as new customers, or alternatively, once any short-term bonus expires, I want the option to switch to an account with a better interest rate simply by filling out an internet form.

Being told "sorry, that rate's only for new customers" will make me leave and never come back.

MoneySaverLog

opinions4u wrote: »

are wider branch opening hours really needed?

I'd be happy with 11am - 3pm and 4pm - 6pm if it was available, along with Saturday mornings if ALL the counters could be open then.

Derivative

I'm not so sure about generally wider opening hours, but it would be nice to have the odd hour or so that's outside the 9-5 regime for everyone else. Perhaps one or two days on which banks open at 6-7amish.

If you work all day, having to spend your lunch break in the bank, when everyone else is going too, is hardly ideal.

pinkdalek

nzseries1 wrote: »

What I want is...

To automatically receive the same interest rate as new customers, or alternatively, once any short-term bonus expires, I want the option to switch to an account with a better interest rate simply by filling out an internet form.

Being told "sorry, that rate's only for new customers" will make me leave and never come back.

Halifax offers the same interest rates on savings to new and existing customers and if anything you get better deals if you bank with them on other products. Also when your current deal expires you can re-negotiate it and transfer to the same offers available at that time.

KxMx

pinkdalek wrote: »

With regards to card payments showing faster.

The majority of debit card transactions show are pending/earmarked/authorised immediately on the bank's system. OK maybe there could be some facility so as customers we could see them online?

On HSBC you have "available balance" and balance" and the card transactions do usually show pretty quick. But they don't itemise them so sometimes I have to sit with a calculator checking everything has gone through.

Bet some of you on here would love my branch, no counter service on Saturdays at all! You can speak to staff, use cash (notes only) and cheque pay in machines but nothing at the counter. And HSBC don't offer a single service at the PO either. :rotfl:It's open 10-3.

To be honest it's not up to standards as a town center branch but it does ok and it's not going to change any time soon.

MoneySaverLog

Derivative wrote: »

I'm not so sure about generally wider opening hours, but it would be nice to have the odd hour or so that's outside the 9-5 regime for everyone else. Perhaps one or two days on which banks open at 6-7amish.

If you work all day, having to spend your lunch break in the bank, when everyone else is going too, is hardly ideal.

My bank in Solihull, near where I work, is open most days from 8am-6pm. Thursday it's open until 7pm and Saturday 9-5pm

During which time I'm at work, if I need to use the branch it will either be at lunchtime, or after work from 4.30pm. As I myself am in work before 8am I don't benefit from the earlier opening times of 8am.

Also I do not go into Solihull on Saturday's anyway unless I need to so don't really have a need for Saturday banking there, though I have used my local branch near to home on a Saturday before now.

As I said in a earlier post if the counters could all stay open during the peak hours, there will be little need for longer bank opening hours as anyone who needs to get their banking done could get it done during their lunch hour or straight after work. The Saturday morning is there just in case you cannot get to the bank during the week for some reason.

Sometimes the queues are out the door during these lunchtime periods with counters closed, that's poor management in my view and if the branches were shut for a hour between 3-4pm and did not open until 11am mom could pick little joey up from school because obviously he cannot walk to and from school on his own and has to ride home in the 4x4. That's another anoyance of mine though ;-)

rockitup

Stompa wrote: »

My bank already does that for me.

Which bank is that Stompa?

Citibank used to do it for me but recently charged me £25 for it even though I had £90 in my savings account with them.

Fee was refunded along with a cut & paste message through online banking

Stompa

rockitup wrote: »

Which bank is that Stompa?

Citibank used to do it for me but recently charged me £25 for it even though I had £90 in my savings account with them.

Strangely it's Citibank. Mind you, I only have it in place for the odd occasion when I accidentally forget a DD, which hasn't happened for some time. Sounds like I'd better keep an eye out for them attempting to charge me next time!

Mrs_Arcanum

What would I like my bank to do: -

Have coin sorting machines that you can stick a bank book or card into & deposit your jar of coins easily.