Clueless may be an understatement.

He is my experience. I have a line of credit for 300K. I used some of it for a period and then paid it off. I recieve a statement with a balance owing due to interest of $2.13. So I send a payment of 2.13. Next statement I get I owe $.03. Now I am pissed off but much smarter than them, I mail the bank 3 pennies, I know thay must accept legal tender. The next month I get a statement with a balance oweing of $.01 interest.

A few months later my wife gets a call from the bank saying not clearing this up could ruin our credit!

The next visit to the bank I raise the issue and am told I don't understand how the bank works and that $.01 is important.

Wow, I work for a fortune 500 company and we don't bother with invoices for under $50 and I expect it costs us more like $75 to generate an invoice. Not the bank, they want that one penny and are willing to spend $50 to get it.

Clueless NO, I can think of some other words for it.

O.k I agree that they may not know alot when it comes to the online banking part especially if they don't deal with it. But I do think that they should transfer me to the tech department then.

I believe this is a sign of the times. Once upon a time, we were taught how to count back change following a purchase. Today the clerks are completely lost if the register doesn't tell them the amount due.

I think it is also tied to big business. To be able to grow successfully, a business must devise a training program and a system of standards for employees to follow. This is generally all they know how to do. They have learned to follow directions, and never ask "how" or "why" something is the way it is. They are like sheep, one following the next. I see this all the time with people I associate with. When something is not understood the standard answer is, "I don't know, that's just the way I was shown to do it."

As long as we are so obsessed about "having" and forget about "giving" or "serving", I'm afraid this attitude is what we are stuck with. Individuals have to care, before there will be a reason to change.