Similar experience — maybe worse — helping my 87 YO uncle set up automatic payments from their joint Chase account to his wife’s nursing home. After much of the same BS as below, got in, set up autopay, seemed to take but was rejected the next day. Did this SIX times, one of which was his local (in person) banker doing it herself, still rejected.

And his 2FA was to his land line so every time, we had to hang up for him to get the code and call back.

Eventually gave up, moved the funds to a different bank which they also wouldn’t do online, so he had to pick up a cashier’s check and drive it to the new bank.

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Sounds way worse

I’ve still got this shirt somewhere: https://cryptograffiti.com/products/because-fuck-banks-2

By comparison, nothing, but I remember getting my first -$25 overdraft "protection" fee when I was about 19 and It was like getting woken up in one of those Matrix goo pods and being like WTF--is this reality?!

American banks are so terrible. Is that why everyone uses stuff like Venmo and PayPal?

Those are basically banks now, but yes. Had to delete PayPal though when they got in the business of policing speech.