Banks and Building Societies

Post offices are useful for paying in cheques and I’ve done it a few times. It takes an additional 48 hours for your account to be credited. Note, though, that you cannot pay in cash. 

I think it’s ironic that banks encourage us to use online banking and then cite that as the reason for closing branches. What they mean is that they want to cut overheads and the more we use online facilities, the more we help them achieve that goal. I don’t trust any of them. 

  The trouble is when the grandchildren see the latest Cadbury advert, and find that money is not req just "plastic"

One could always open a Post office current account

You need cash at the CC site shop ..... 

Internet banking is fine till you hear your ISA rates etc are about to plummet and then the whole rigmarole of filling in on line forms, proving identity starts all over again. I sometimes think the customer does all the spade work and the banks build the money mountains. We are just the faceless providers of their fortunes. 

Having said that I see that junior ISA rates are a lot better than many adult rates and are a useful tool if you want to help out grandchildren with future savings. 

I can remember when my grandfather handed over 2s 6d after family visits (half a crown) and these would buy a few extra stamps for our National Savings Books, remember them? 

Why not just spend it?  Much easier than spending time and fuel going to the bank!

My thoughts as well. Use it in the supermarket, garage, or wherever. 

You could also part pay with a card and use cash too. There are all sorts of ways of using up spare cash.

Our Nat West closed last week.In the county town. Nearest is now 35 miles away. But they are not a charity so no doubt in their minds it was a commercial decision. Not sorted out where I can get cash yet as I am a big "Cash is King" person.

Oh yes I remember those saving stamps. Loved going off to buy it at the post office and when I reached the last page 😆. For the life of me I don't know what I did with the full book. Cash it in, put it into a different account? But I know I had a little nest egg at 16 😉. Didn't have grandads 😢 but nan's who' been widowed for years so tended to be a tanner or a shilling, birthday might be 5/-

I saw the junior ISA rates, shame my grandchildren don't qualify.

I so agree with your comments about the banks sitting back and making their money whilst we do the hard work 😉. What gets me is that when you've made your decision and go into said bank say you want to open X account you can't do it on the spot you need an appointment so they can explain the product to you to check it's suitable for your requirements rarely can it be done that day please come back at time on date 😤😤