Spent my 3 hours at the bank
Hello lovely readers. I hope everyone is doing fine and good today. What I am about to share for today is about I did the other day. About last week I was already planning on going to the bank because I need to do some over the counter transactions. The 1st one was that I needed to fund my checking account because the current balance is already below minimum. The maintaining balance supposedly is 10,000 php or about $200. There is a corresponding charges of 300 php ($6) at the end of the month if you haven't maintained it. So last month because of my negligence I forgot to fund it before the month ended therefore the bank has taken away 300 php from my remaining balance.
I was actually using this checking account for our monthly house amortization. I opened it in 2012 and continously used it until last year. We are paying our house through Pag-ibig housing loan, so every year I provided them 12 post dated checks. But last November I preferred paying via gcash because I find it a little convenient. Now the reason that I still needed to fund my checking account was that the monthly payment for my youngest son's insurance was deducted through it.
The second reason why I was at the bank yesterday was I needed to update my son's account and deposit the amount of money he and his brother had collected last holiday. His godmother also deposited some amount there so I needed to check it too so that I can update her.
I arrived at around 1130 am in the bank's location which is just a few minutes away from our home so I Ieft my kids at home. They were used to it by the way. It was around lunch time and I was planning to buy take out foods for our lunch after I am done with my errand. I filled out some contact tracing form and proceed to the long queue of people waiting for their turns. The line is moving very slowly that when I checked the time on my phone it was already 1 oclock in the afternoon. I messaged my son to eat something because I might got home late. Glad we had some heavy breakfast that day. I was really annoyed but I guess not only me but the other people as well because of the slow moving of line. I am also worried for my kids so I keep chatting them. I was actually planning to go home and do an online bank transaction instead, unfortunately my son's account isn't enrolled in mobile banking yet. So I stayed, by around 2 in the afternoon I was already inside the bank premises. There are only few who are allowed inside because the management is strictly implementing health protocols.
When I secured my queue number I thought the transaction will be faster. And again I was wrong, I waited for another 1 hour before the teller called my number. Finally it was my turn, ironically my transaction only lasted for about 5 minutes, meanwhile I have to wait for more than 3 hours. Honestly that was the longest time I spent at the bank for just a mere transaction. My only fault was that I haven't enrolled to their mobile banking. I might considered enrolling it like my other account from the other bank.
It was totally a waste of time because I can do a lot of things within that certain amount of time. I missed my lunch, and I was supposed to do some groceries too. I just felt bad for the people that needs to be there personally because there are some transactions that weren't allowed via online. They have no choice but to stay. How I wish that the bank could've added more tellers so that there are more clients that can be attended to. As we all know that time is gold. Every minutes and seconds counts.
Ending Thoughts
Because of this incident, I would probably enrolled my son's account in their mobile banking. I am hesitated at first because of some fraud and scams online. But after enrolling my account from the other bank through online, I find the ease and convenient using it. I can instantly finished any transaction within a snap of a finger. Just that you have to be very careful because one single mistake can't be easily fixed.
Thanks for taking your time reading my article for today. Let me take this opportunity to give thanks to @LeticiaFelize @BCH_LOVER @Itsfarah for renewing their sponsorship. Thanks for the trust my dear friends. And of course please give some love to all my sponsors below.
Lead image from Unsplash
Ang laki nmn Ng maintaining balance sis ah. Lupit Ng bangko at kaltas agad hahaha. Kala ko dito lng sa probinsya ang konti lng tellers tpos ang pila ang Haba. Takot din ako mg online banking sis pero sbi ni elder bro okay nmn dw sa knya.