|This snow is long gone.|
Called the bank (800 number), since I have no bank nearby to walk into. "They" being a computerized program said the wait would be between 59 minutes and one and a half hours. I love that 59 minutes math as if they had some kind of micro efficiency over their services. Maybe they should just hire more staff...but that would cut into the millions in profits and millions in salaries of those at the top! The computer system did say I could just push "any" key and they would "capture" my number and call me back when someone was able to assist me. I pushed the hashtag key and resisted the urge to also push FU.
They did call me back in a little over an hour and "Bill from Montana" was the person who called me back. That little cutesy response was to assure me that I was not talking to someone in Mumbai or Bangkok and that my bank hired good old boys who needed jobs in the USA. "Bill" had a slow gravelly voice and a tired voice as if had just come in from hours of rounding up the steers and had put out his last cigarette. I tried to joke and he patiently ignored that and continued in a droll voice---maybe he was an out of work actor?
He assured me that the new $25 monthly fee was because I had a "core" agreement with the bank that required I maintain a balance of 5K. When I asked if this meant average monthly balance he said "No. A daily 5k balance." I calmly assured him I had another local bank that could waive those types of fees. He responded that he could fix this immediately by putting me under a new agreement requiring a direct monthly deposit of a minimum of 250 dollars and no average balance maintenance. He moved me over to the new agreement, re-deposited the 25 dollar withdrawal and told me he hoped I would have a nice day. He assured me I would receive the new agreement in the mail. (My bank is not Wells Fargo, but this gives you a clue how sneaky all of these big banks are and why you should write your Congressperson to support and not weaken the Dodd-Frank bill.)
I will read the new agreement with a spyglass, I can assure you.