T O P

We trust banks with our money but they don’t even trust us with their cheap pens

We trust banks with our money but they don’t even trust us with their cheap pens

deepfield67

"Trust" is such a strong word...


donkeykickdickslap

I trust FDIC insurance more than I trust my bank


netopiax

That and other banking regulations, and a paper trail. I don't really worry about whether my bank or the people who work there are trustworthy. I worry about whether the FBI will arrest them if they turn out not to be. (Pretty sure they will.)


elfluffynator

Banker here and yes the Feds don't fak around. So much so that we can be canned for almost any $ errors with cash transactions or with digital transactions. Our record will get jacked up too and we'll never be able to get a bank job because it can come up in the Feds files as a NO HIRE!


Gordon_Explosion

It isn't the ten cent pen. It's the person who is sick and tired that "replace the pens" is part of their existence.


WisestAirBender

It's not that the bank doesn't trust you, but many people unintentionally pocket pens too after writing


wut3va

TD, like Commerce before them, just makes millions of logo pens and gives them away for free. I have one right here on my desk in front of me. It's free distribution for their marketing material. Win/win.


Megalocerus

I was about to mention that my bank does this. They used to use logo pens, but I guess those disappear faster; they just stick a bunch of pens in a container.


THEBLOODYGAVEL

Exactly. Mostly only old people go directly to the bank for their everyday transactions. These motherfuckers will not only forget it isn't theirs but will fight you to keep it.


schming_ding

And also, “oh the pen is gone again and I have a ten customers that will have to wait while I find another god damned pen.” And the customers in line think “this bank can’t even figure out pens? Why am I banking here? Time to switch banks”. You could lose thousands of dollars in business because of a god damned pen that some dingbat walked off with. Tie down the pens.


willbeach8890

If our money disappeared like their pens do, we wouldn't trust them either


tamuzbel

Looking at you Mt. Gox!


I__LOVE__LSD

[Obligatory South Park](https://www.youtube.com/watch?v=-DT7bX-B1Mg)


xdert

This is not to prevent theft it is to prevent misplaced pens. Have you ever been in the situation of “where did I put my pen?”. Now imagine a hundred different people using the same pen.


gingerdanger123

Also every online store you pay before getting the product, I trust the bank to hold my money safely better than I trust a random pedestrian, so what you say makes a lot of sense.


li7lex

Depending on which country you live in there might be laws protecting people's money and regulating the banking sector. In Germany for example every Person is safe for up to 100 000€. If you have more money in a single bank account you'll have to pray otherwise your money is safe.


I__LOVE__LSD

Yeah, in the US the FDIC insures up to $250,000 in a bank account. If you have millions or billions of dollars you need to put in the bank, you probably just buy Treasury bonds.


Megalocerus

They only insure up to $250,000 but it is separate for your IRA and your regular account, and your business account. In real life, they have been able to take care of the toxic assets, and then sell the deposits and good loans to another bank; people don't lose. It's not a great place to keep loads of money, but it is safe.


hobowithadegree

You don't really trust them, you just don't have a coice


RoyalMilkStain

There it is


bongosformongos

You do. It's Bitcoin


li7lex

Not really if you want to have a stable amount of money. Bitcoin is way to volatile.


bongosformongos

Agreed… yet. This is about to change with rising market cap.


li7lex

It isn't stop deluding yourself. As long as people look at Bitcoin as an investment and not actually currency it will remain volatile.


bongosformongos

We‘ll see


dedicated-pedestrian

Except we are seeing in real time. The consensus isn't changing, however good or bad that is. More people game it as an alternative to stock than actually use it as a form of tender.


substantial-freud

I have no money in any bank. (I’m rich, btw, I just don’t see any reason to give my money to banks.)


Farmerobot

good for you


substantial-freud

It is, but my point is, the OC is a big fat liar.


mlpr34clopper

My crazy ex mother in law had a safe with 400,000 in it next to her bed after her parents died and she sold their house.... because she did not trust banks.


substantial-freud

Cash is far riskier and somewhat more expensive than a bank.


mlpr34clopper

Risker, maybe. More expensive? How so? Its not as if most banks around here pay interest on savings anymore... in fact not having account fees and paying the bank nothing to hold your money is a selling point most banks use these days. I tried to het her to open an investment account and put it into some safe(ish) stuff like muni bonds, but she wouldn't.


Snappysnapsnapper

To be fair we do steal those a lot.


floridawhiteguy

Reasonable banks have offered dirt-cheap branded disposable pens for the taking for the last 30 years...


tamuzbel

Mine does, and I have never seen the pen cup empty.


Alaeriia

Mine does this. They're decent pens, too; I regularly take a couple because people keep "borrowing" the ones I do have. I'm sure my bank appreciates the cheap advertising.


rarestspeeddaemon

There are some people who will take pens without a second thought. I would get tired of asking for a pen because the last person took it.


mrbignaughtyboy

It looks like I'm going to go back to work in the Middle East. The first time my paychecks were direct deposited in my US bank account in US dollars. I would transfer whatever I needed for normal living expenses into a local branch of my bank in the local currency. This time my paycheck is going to be deposited into my local account in the local currency. Because I don't trust the local government when it comes to the rights of expat workers, I'll be sweeping all of my paycheck, except for enough for monthly expenses, into my US account.


I__LOVE__LSD

Aside from not trusting the local government, if this is just a short term thing and you don't expect your expenses in the long term to be in that local currency, then you definitely wouldn't want your savings in that local currency either. That is nothing but FX risk.


mrbignaughtyboy

In regard to the local government, you have to request permission to leave the country each and every time you leave whether it's for a weekend trip to Europe or for your annual 30 day leave back to the US. Your employer or any of your creditors or your landlord or the government itself can deny you permission to leave the country. US State Department won't do anything about it because you (along with any other expat from any other country that chooses to work there) agree to that as part of the Resident Visa program. If I had all of my money there it would give them that many more reasons to deny me permission to leave. Because I look for deals and don't have to be in a downtown high-rise apartment like some expats, my monthly expenses will be well under $2,500 US equivalent whereas my take home pay will be more than $15,000 US equivalent monthly. I would have that extra $12,500 US equivalent whisked away to my US account each month for safe keeping. In terms of timeline, I came home for a three month break halfway through the sixth year of my two year contract but ended up not going back due to unforeseen family obligations. If I had gone back I might still be there on that original two year contract (a total of 15 years now). I'm being asked to come back to work on the future expansion portion of my original project but in a slightly different role. This contract is for 5-1/2 years but I think it will end up being at least 10 years. The currency exchange rate is fixed to the US dollar so there isn't any worries with fluctuation of the US dollar like there would be with some currencies.


Long_Repair_8779

To be fair, at any given opportunity I will take as many of those mofo’s as I can. Also includes Ikea, and the hardware store that gives those free pencils


netopiax

Call the feds, this guy's a bank robber


winniethefukinpooh

im not gonna steal it i already gave collat for it


Karpukoly

Bankers are the government


Ninja6aiden

Flashbacks to 10th grade government


THEBLOODYGAVEL

You mean you didn't get the class "Government according to YouTube"?


Ninja6aiden

No that was math. History was actually good at our school somehow


Sly-OwlBeard

You trust banks?!


jpisini

Would you trust us with a cheap pen?


il-Palazzo_K

You want them to manage your money well but can't stop yourselves from bankrupting them by stealing their cheap pens.


honestlyanidiot

Well if they're that stingy with a 5 cent pen then....maybe good at doing money?


Andipandarae

When I worked at Walmart back in 2006 between college semesters, I was always wasting time hunting down a pen because someone needed to write a check and my last one got swiped. I had to keep a stash to try and avoid the time suck. Ironically, I usually didn’t have to buy them because customers were always forgetting their own pens too and I could usually find a bunch hunting through different cashier stations. But it’s a waste of time and annoying. No one cares about the pen.


Sjiznit

Ill doers are ill deemers.


hidinginthenight

Can we bland them though


valheruvilla

People rob those pens all the time when have banks ever taken our...nevermind


Koifish_Coyote

Would you rather they charge you for the pens?


Squint-Eastwood_98

Are they wrong?


sigillum_diaboli666

As an ex-teller it used to piss me off royally that when I had a cup of pens on my counter that customers would feel entitled to take 3 of them and blatantly pocket them in front of me. Then we'd stop having pens at the counter, which customers would then complain about.


DanTheTerrible

Not my experience. My bank's lobby has been closed for a year and a half, all business is at the drive through. They put a pen in the pneumatic cylinder every time they send it out. They're not chained down and nothing prevents customers from keeping them (except that they are super cheap and hardly worth stealing).


movieguy95453

My bank has stacks of branded Bic click stick pens everywhere. Feel free to take a pen, it costs us next to nothing.


Mesapholis

it's a transaction, mate - this has absolutely nothing to do with trust - you accept the risk of putting your money with them lol


blindlyreflect207

no i don't really trust them


Benisco29

https://www.reddit.com/r/Showerthoughts/search?q=banks+trust+pen&restrict_sr=on&sort=relevance&t=all OP is shameless stealing scum. Don't forget to r.eport OP. Every single post on their account is stolen.


lesters_sock_puppet

Those small blue (and sometimes black) pens with chains to keep them attached to desks? I used to steal those all the time and bring them to class. I'd twirl the pen around on it's chain end. No one ever noticed that I had a bunch of them.