Subj : Cash for coin..
To   : AUGUST ABOLINS
From : Rob Mccart
Date : Thu Oct 23 2025 07:43:36

RM> I've had CIBC insist you
RM> call ahead to pick up amounts of cash bigger then $2000 or
RM> so and yet one day at RBC I expected to be refused, but I
RM> asked to take out $10,000 from my account and they said it
RM> was no problem.

AA>The next guy after you was probably told to call ahead!  :D

The lady at the time when I said I was surprised said that they
make sure they start out the day with $20,000 in cash for things
like that, plus they'd be taking in deposits as well so that
$20,000 would go further than just that.

RM> It's decades since I was involved with a Credit Union but
RM> I don't recall fees for simple things like that back then.

AA>Just to clarify, this "cash handling" fee I am experiencing is
  >for "business" account holders.  Ironically, there is no fee to
  >deposit the cash in a personal account.

Okay, I suppose that makes sense to someone there.. In general
I find they treat businesses better than just an account holder
but I played with money a lot over the years, with loans and
mortgages I financed (investments) coming and going through my
account frequently. And it was not unusual for my account to handle
$40,000 in a month so they tended to treat me more like a business.

RM> My main bank, I find that even when I do something dumb that
RM> generates a fee, they virtually always reverse the fee if I mention
RM> it to them. [...]

AA>Your main bank still has some common-sense people working there
  >it seems. You are fortunate.

Hopefully still..  A lot of people have been replaced at the
bank so most of those who knew me best are gone now and it's
been a few years since I did anything to generate extra fees.

AA>Again, you have actual people who are willing to literally
  >push a few buttons and reverse charges.

Semi-funny story.. at one time I needed more than $1000 in cash
for something and the bank machine limited me to $750 so I had
to go to a teller to get the cash. That happened now and then
so I went to the business teller one day and asked if it is
possible to get a higher daily limit. The lady there said that
it could be increased to as much as $1500, and I said that would
probably be okay..  And she got this high and mighty look on her
face and said, "We don't give that to just anyone!"

At that moment, one of the higher up business managers had been
walking by and heard that. She literally walked up beside the
lady and pushed her aside and said to me, 'Sorry about that. Do
you think $1500 will be enough?"..  I said yes and that was
the end of it but you can see how hving a 'reputation' can get
you special treatment..   B)

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