Tuesday, July 10, 2012

Key Bank - Upsell

It seems like the only business Key Bank is in is the up sell business.  For a while everytime I would go in there to cash a check and get in and get out, the teller would interview about what type of business I had.  At first I thought it was just to be friendly and make conversation while she processed the checks, but then it always started going down the path of some service I might be interested in.

I wouldn't go into the bank at all if they allowed me to take a picture of the check and deposit it from home, no matter if the branch is open or not.

I would've joined a credit union had it not been because part of my business is in another state and it was easier to have branches in both places for me and my business associates to be able to get to the account.

So going into the process I already do not want to be with Key Bank, then when they try to sell me stuff every time I am forced to go in it makes me dislike banks more.

Today I was forced to go in to deposit checks again.  I had heard previously of financial institutions allowing people to take pictures of checks and deposit them.  I asked the teller as I do every so many months.  She said she though they had some service like that, but I might need to buy one of their check machines.  She then said I needed to go talk to their business person at one of the desks.  On my way to leave her to go to the desk the teller tells me to be sure to ask about some rewards program.

I get to the desk and I stay standing because I just want a yes or no and perhaps some brief instructions on how to use the service or a time frame on when they will offer it.  The business lady ushers me to a chair.  Then she describes, just like the teller, how she doesn't know.  She thinks they have that service, but I would have to buy the machine.  She makes a few calls and finds out that they have the service, if we have a machine, but later this year I might be able to scan from an IPhone app.  She seemed to think I couldn't just scan or take a picture of the check.  She gave me some spiel about security issues.  Clearly a web site could validate the check from a photo as easy, if not easier than an app could from a camera on an IPhone.

At various stages of this process of trying to find out about their service she probes me for questions about my business.  She offer me night deposit or ATM deposits, which I don't trust.  I want to see immediately that it has been processed to my account and not lost.

She ended up having nothing to make my check needs easier, so I went to leave.  She felt compelled to make me take her card.  I had no business I needed to follow up with her for, so she wasted the card, which I threw away when I got home.  She also asked if she could call in a few weeks to follow up with me.  The service I am interested is not available, if at all, until September or October, so why do I need a follow up call, other than for her to try to sell me something.  I gently told her I would check back the next time I had to bring a check it.  I was kind to her, but I was very irritated at all of the wasted time and the attempt to get me to waste more time.  I was also irritated at the constant fishing for information about me and my business, which was not necessary in order to answer my question.

She asked my name.  I gave her my first name.  She then pressed me for my last name.

My whole intent is to cash a check more quickly.  What I got was an extended visit to the bank with a salesperson.

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