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What: Bank of America.​Why: I was young and not very good with finances yet and also living paycheck to paycheck. This was early 2009. I over drew my account by about $100, but made up of various small transactions, some as small as $2. I had a savings account with overdraft protection turned on, but the account only had $7 in it.By the time all was said and done, I owed BoA about $1400 in overdraft fees beyond the $100 I went over. They managed to get them higher by shuffling my charges to make the big ones first, overdrawing the account sooner. Additionally, they charged me $10 to move the $7 from my savings account, then charged me an overdraft fee for not covering the fee. Each fee was $35. They were kind enough to send me a postcard via USPS letting me know my account was overdrawn, but they continued to approve my purchases to "avoid embarrassment of having my card rejected".I spent hours on the phone with them trying to talk them down on the fees. I had already paid $350 in fees when my paycheck was deposited, but I was attempting to get rid of the other $1100. No one would budge. Manager after manager. My boss, who had a business account with them, got on the phone and we finally managed to get them to lower the fees by $100. I declined their offer.Unwilling to go down without a fight, I started calling and writing anyone and anything I thought would help, including news organizations, bank controllers, and even the mayor and Pennsylvania Attorney General. I wrote respectful letters, talking about my struggle paying for my medication and how a bank was trying to drain me with fees. Surprisingly, this got results. The Attorney General contacted the BoA headquarters and I received a call from their corporate office. The person on the other line said they wanted to help me out. I asked them how and they offered me two choices. Remain a customer and they would reduce my fees by 50%. I would still owe another $350 in fees. Or they would clear out all the remaining fees, minus what I had already paid, and I would be banned from Bank of America for life. I took the offer and I'm banned.I've been curious as to what would happen if I walked in and tried to open an account.Update: I have been getting a lot of requests in the comments to attempt to open an account there and see what happens. I did so and was instantly rejected. They would not give me a reason why. I did receive a follow-up email:MICHAEL VOGEL,We received your recent application for the listed product(s). However, based on our records, we're unable to open new deposit accounts for one or more applicants.Bank of America Core Checking® AccountFor your privacy, we don't share details in this email of why we were unable to fulfill your request online.

“Perfect crime” meets “simple flaw”.Anthony Curcio was a drug addict and failed real estate investor. He robbed an armored car ($400,000)Wikipedia tells the tale as well as I could. I have redacted the Wiki for brevity“Anthony J. Curcio (b. 1980) is an American author, public speaker, and convicted robber.“In 2008, Curcio was responsible for one of the most elaborately planned armored car heists in U.S. history“For three months, Curcio observed a Brink's armored car as it made deliveries to the Bank of America branch in Monroe, Washington.“He considered police protocol in responding to robberies and the location of the bank and decided on using a local creek to escape.“After weeks of hand-dredging the creek in Woods Creek and a failed practice attempt at using a jet ski for the getaway, he changed his approach and created a cable pulley system to quickly pull himself, and large bags of cash, upstream using a connected canvas-wrapped inner tube.Curcio's planning culminated with an advertisement he placed on Craigslist a few days before the robbery. The online ad sought 15 to 20 workers for a fictitious city cleanup project, promising $28.50 an hour.“The laborers were told to wear jeans, a blue shirt, work shoes, and a yellow safety vest. The ad also told the applicants they needed to bring safety goggles and a painter's mask. The ad directed them to meet in the Bank of America parking lot at the exact time Curcio planned to rob the armored car.The Brink's armored car after the robbery (September 30, 2008)“On September 30, 2008, Curcio, dressed identically to his decoy applicants, pretended to work the grounds near the bank. Wearing a blue shirt, jeans, yellow safety vest, work boots, and painter's mask, he pepper-sprayed the Brink's armored car guard who was pushing a dolly loaded with money into the bank.“The pepper spray forced the guard to reach for his eyes and release the cart that held the money.“ Curcio grabbed two bags of money, containing more than $400,000, and ran toward the creek. Meanwhile, police arrived to find the bank's parking lot filled with men matching the robber's description.“At the water's edge, Curcio threw the money into the inner tube and pulled himself down the creek with the cables he had previously strung.“ He traveled about 200 yards upstream and exited the creek behind several businesses on the opposite side of the highway from the bank.“Curcio removed his wig and worker's clothing that had been attached by Velcro, revealing different attire underneath. He climbed into the trunk of a getaway vehicle driven by an associate and left.“Curcio's undoing would come a month later when a homeless man reported to police that several weeks before the robbery he had seen a man drive up to the Bank of America parking lot and retrieve a disguise from behind a trash bin. The man found it suspicious enough to write down the license plate number of the car which he later provided to police. The car was registered to Curcio“What the man had seen was one of Curcio's practice runs to ensure proper timing of the heist.“Curcio was sentenced to 72 months in federal prison “.Anthony Curcio - WikipediaInvestigators eventually recovered $220,000.Curcio had thrown away his face mask before getting on to his getaway inner tube. He was convicted by matching his DNA to the mask.

As on date - State Bank of India - is the only bank on EARTH that has efficiently penetrated all across a country to every available strata of society and which has the capacity to handle the number of customers and welfare loans.No other bank ON EARTH can handle even half of what State Bank of India has been handling.What exactly is modern day banking?Banking has been the same from the 3rd Century BC. Money deposited for safety and growth by people and money lent to different people for profit and growth by the Banker or the Bank.This concept has been around for nearly 2000 years.Only other things like methods and techniques have changed.Why is State Bank of India - still not only relevant but 10 times more relevant than say 2016Until December of 2016 - The People of India had never had any restrictions to withdraw their own money for over 20 years. Yet since these restrictions began - Customers from 3 different banks - PMC, Yes Bank and Lakshmi Vilas Bank found themselves restricted to withdraw their own money.It was during one such huge long queue where i was standing outside Yes Bank hoping to withdraw 50K as per the limit. It took me nearly 50 minutes to reach the counter and get my money - when i observed something - most of the people who had withdrawn their money were not taking the money home - they were all scrambling in queue to deposit their money - in the nearby SBI branch where they had accounts which also had a CDM outside it.Today the Private Bank is much more unsafe that in was during the 2010s. The RBI seem to be like the Tamil movie police - always arriving after the climax. Not once has RBI pointed out any discrepancy be it the Dhoot Videocon Loan, the Jet Airways Loans, the Mallya Loans, the Yes Bank issue, the PMC issue and now the Lakshmi Vilas Bank issue.Today our money has to be Safe.And in my opinion - If State Bank of India Fails - it means India has fallen. SBI is safer than the Government of India.Today SBI has many modes of banking - Online Banking, Mobile App called Yono etc.They have a very high offline rate and failure rate. In one of my answers i pointed out that the Yono App and Online Banking failed at a rate which was higher than any other digital banking mechanism in India.Yet the amount of transactions handled by SBI alone is more than those handled by HDFC, Axis Bank and ICICI bank from April 1 2020 to September 30 2020.If Bank of America or Citibank had to endure such a high number of transactions they too would have overloads very frequently.As on date - SBI has 3 Parallel Servers - and even that is not enough to handle the load of transactions during the lockdown phase. Most banks have 1 or 2 Parallel Servers at the most. SBI is now upgrading to 5 Parallel Servers and more unique encryption by going to a Generic Domain (No idea what this means but copying it from an article)M K Gandhi once said India is not a few hundred barristers from Bombay or Calcutta or Madras. India is 3,50,000 Villages.Financial Inclusion by Rural Communities is possible only due to SBI.SBI has more than 2.5 times the Rural Branches that any other bank in the Country has (Punjab National Bank is a close second). Almost 70% Villagers in the country have accounts only because of SBI.Is this profitable? Of course its not. Its a Service and thats what Banks do. In addition to profits - Banks provide service.Today a villager in a remote place in Arunachal Pradesh can say with pride “Mere Khaate main dal do” (Deposit it into my account) instead of getting his money through four different third parties - losing precious commission along the way.SBI staff may grumble but ultimately by rule they have to spend a minimum of 2 years in such a Village or Rural Bank.Can you see anyone from Axis Bank happily going to a Branch in the Village District of Hale Narasipura?What SBI lacks can be made up in just a few words - AppearanceIndian Doctors know infectious diseases better than even American Doctors. Its because they have dealt with thousands of patients with those diseases like leprosy or dengue whereas the American doctors have not even dealt with a tenth as many patients and their knowledge is bookish.In the same way - SBI because it handles thousands and lakhs of customers of all backgrounds - be it the humble rural villager who deposits Rs. 25/- into his bank account or the Corporate Adani with $ 1 Billion in loans, their Staff know quite a lot about banking which no private bank and most other PSUs have no clue of.Yet their staff dont wear suits, dont speak fancy english and snap at you from time to time because ….frankly because they handle 20 times the number of people that your private banks do.This can change in 6 months - if SBI management adopt a policy to change the same. With one circular - SBI can ask its staff to dress better, treat customers better. Already the new breeds of Probationary Officers and Clerks are more polite and follow the so called “Appearance” theory quite well.ConclusionTime taken for SBI to be like other “Modern Banks” like Axis Bank or ICICI Bank or HDFC - in terms of politer staff, more efficient applications and lesser bureaucracy - 1 Year if they really want toTime taken for Private Banks or Any Bank in India to be like SBI in terms of - Penetration, Handling of so many customers, Safety of Deposits and Money, Good faith in banking transactions - NOT EVEN IN A THOUSAND YEARS.