Saturday, May 30, 2009
Worth the Splurge, Part II
Friday, May 29, 2009
Worth the Splurge
Monday, May 25, 2009
Goosed
Saturday, May 23, 2009
Ding - Ding - Ding - Ding
> Thank you for your inquiry dated 3/11/07 regarding maximum daily
> withdrawal. We will be happy to assist you.
>
> Because your account security is our highest priority, we are unable to
> process your request through unsecured e-mail. We are only able to
> perform account maintenance or discuss confidential information through
> a secure method of contact, one that requires you to enter an Online ID
> and Passcode such as Online Banking. These methods of contact allow us
> to verify that a request is from the account holder and not an
> unauthorized attempt to change your account.
>
> If you have access to Online Banking, please access your account on
> Online Banking through our home page at www.bankofamerica.com and go to
> the Customer Service tab to submit your request.
The information I am requesting is not personal, confidential or classified. I am requesting a statement of one your banking policies. Please JUST TELL ME what your rule is regarding maximum withdrawals from checking accounts. It has nothing to do with my privacy or account information.
> Thank you for your inquiry dated 03/12/07 regarding your withdrawal
> limit. We will be happy to assist you.
>
> We apologize for any inconvenience this matter may have caused. As
> reiterated in our previous communication because your account security
> is our highest priority, we are unable to process your request through
> unsecured e-mail. We are only able to perform account maintenance or
> discuss confidential information through a secure method of contact, one
> that requires you to enter an Online ID and Passcode such as Online
> Banking. These methods of contact allow us to verify that a request is
> from the account holder and not an unauthorized attempt to change your
> account.
>
> If you have access to Online Banking, please access your account on
> Online Banking through our home page at www.bankofamerica.com and go to
> the Customer Service tab to submit your request.
I was fed up. I knew I could call them, but I would rather have torn my own head off. I surely don't have to tell you what a wretched and futile endeavor THAT is. Life is too precious to waste on hold with BoA's utterly inept customer service crew, who seem to be off in faraway lands (or newly arrived from them) despite working for Bank of America. So I replied:
Hello again,
As I reiterated in simple English in my previous communication, I am not requesting information about account maintenance or anything that is the slightest, teeniest, eensiest bit confidential. So just answer my question in an e-mail.
I loathe the very idea of getting onto your site and struggling through page after page, trying to find the right place to request this information. Your site is just awful. I've had a long career in e-commerce and Web design, so I know what I am talking about. You people should be ashamed; your site must have been designed by leftovers of the Soviet regime.
So again, for the third time, I MERELY want to know your GENERAL POLICY regarding the maximum amount ANYONE can withdraw from a checking account, IF one wanted to withdraw the maximum from a checking account (and I no longer do; thanks to your extreme lack of helpfulness, I withdrew the money from my Fidelity account instead.)
Just send me a PDF chart or something and I'll figure out what information pertains to me. Just tell me about all of your various account limits in general, okay? Come on, how complicated can this be? Does it vary that much from person to person, depending on say, their birthday or favorite color? Or don't you have a rule? Does your CEO make up the amounts depending on the general corporate mood on a given day?
You could reply to my email and give me this simple, basic information by filling in the blank of the following sentence:
The maximum ATM withdrawal limit for one day from a basic checking or savings account is USD $______.
If you keep this up, I'm going to withdraw all my money and switch to Wainwright. You aren't planning to acquire them any time soon are you? (or do you need my ACCOUNT NUMBER to answer that question, too.?)
I'm also going to post your response on my consumer blog. This is getting to be quite entertaining. Look forward to hearing from you.
Lauren
That got me a reply from a human, albeit a banker who can't spell "withdrawal." And an answer, sort of:
Dear L. Thomas,
Thank you for your inquiry dated 3/14/07 regarding withdrawl limits. We
apologize for any inconvenience you may have experienced and we will be
happy to assist you.
Please be advised, withdrawl limits are based on many things, including
but not limited to the following:
- how funds are being withdrawn (transfer via ATM, Banking Center and
Online Banking)
- type of account
Most ATM's allow $300-$700 per day. Banking Center's generally allow
withdrawals up to the balance in the account. Online Banking will allow
you to transfer the entire balance between your own accounts, to others
there is a limit of $1,000.00 per day and $2,000.00 per seven days.
We value you as a customer and appreciate your business. If we may be
of further assistance, please contact us again by e-mail. Thank you for
choosing Bank of America.
Sincerely,
Cari Grey
Bank of America
I had an answer, but it was useless. It seems that the maximum withdrawal amount is based on... who knows? How much cash they can stuff into the ATM? The ATM's location? (Can you withdraw more cash on Beacon Hill than you can in Southie?) Bank manager's whim? Your favorite color? I gave up. Rather than gamble on BoA, I went back to Fidelity, which has an office on Boylston Street. When you're at their ATM, it's comforting to know that there are usually at least two well-informed, well-dressed humans working at the counter 15 feet away from you. And when you ask a question, you get a polite, correct answer. They don't give me opportunities to display my capacity for outrage or sarcasm, and I can't make (empty) threats about my blog (no, I didn't have a blog in 2007; I procrastinate, but I'm finally making good). But I'll take it.
Sunday, May 17, 2009
Can the Gardner Museum Be Saved?
The Carriage House, walls and trellises constituted a key element in the founder's vision of Fenway Court as an architectural and horticultural statement.
Hawley acknowledged in an interview that at a staff meeting, after debate about the new extension, she told staff members that if they couldn't support the proposal, they might want to consider leaving the museum.
Saturday, May 9, 2009
11 Everyday Good Things
Monday, May 4, 2009
Spring Already, and It's Barely May

Sooner or later at this time of year, this poem by Algernon Charles Swinburne gets stuck in the Proper Bostonian's head. The flowering trees at Mount Auburn Cemetery inspired its annual reappearance yesterday. The old copper beeches are gorgeous now, flaming and shimmering before they darken. Here's one:

As much as I enjoy spring's warmth, I think clouds are better than blazing sunshine — and cooler, breezy days are preferable to hot ones. This week's weather looks promising. (The lilac scent from the vase on the mantel is dizzying, by the way.)

