Debit or Credit?? I'm sure these are words we all here oh so often nowadays because we are (mostly) all responsible enough to handle our own savings and checking accounts. I for one use my debit card more than usual because I don't like carrying cash around anymore. It's much easier to steal cash and use it than have someone try to use your debit or credit card, especially these days with technology tracking devices the way they are. Sure, I could go into the lecture about how people can hack your pin number and take your money, but then again, if you're that negligent with your account, than you really should not have one, or take better care of it at least.
Today I want to blog about how online banking has changed me and the way I go about things, and hopefully I'm not the only one.
Used to: Carry cash because it was convenient, no questions asked
Now: Debit card...no cash 90% of the time because it's more secure that they now ask you 45 questions before your transaction is complete (i.e. pin, money back, signature.)
Used to: Have to run to the bank to deposit a check
Now: Type in the check number and amount from the comfort of my own computer chair.
Used to: Have to drive to the banks ATM to find out my account balance
Now: A few keystrokes of a keyboard, and clicks of a mouse and I know how much I don't have.
Used to: Be "rewarded" with a piggy bank for opening an account.
Now: Earn points for real rewards every time you swipe your card.
Online really gave banks a breath of fresh air from my stand point. Remember the shows and cartoons where everybody is at the bank on Friday?? Have you been to a bank on a Friday lately, it's officially just like every other day of the week. Bankers smile on their way out the door because they don't feel as pressured with a thousand transactions a day. That to me is a "game changer" in the banking industry. They took a chance on the online side of things, and I feel that they really made out as soundly if not more than many professions here in the U.S. But then again, it could just be me. So next time you get asked the question "Debit, or Credit?" reply with a smile, because not only did you just save some banker some time and effort, but you may have earned your very own points reward.
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2 comments:
I agree that a lot of online conveniences with debit and credit cards are very nice. A few weeks ago, I bought something at a store on credit and later got a notification that hackers had been in their systems, taking people's card numbers, and so just to be safe, I should monitor my account online a few times a day for awhile. Because of the convenience of being able to check my balance online, it was very simple to do twice a day from my room without having to actually go to a bank or anything. So basically, I agree with you that it's very nice to be able to do online banking.
I think online banking is a good idea as well. I personally don't have an online banking account yet but sometimes I really wish I did. I am not the best at keeping up with how much I spend or how much I add on which I know is bad news.
However a thought I had is, If people are relying and using online banking so much, then they don't need as many employees. Is this putting people out of work?
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