Her: I have a money order issued by Wells Fargo bank
Me: Let’s take it to Wells Fargo Bank to be cashed.
Her: It was purchased in another state
Me: Wells Fargo is a National Association
10 minutes waiting in line later..
Her: Hi Wells Fargo Bank, issuer of this money order. Please cash it.
WFB: Do you have an account?
Her: No, but you issued it.
WFB: We don’t care. Next!
Her: Wait, I am here with a WFB multiple account holder.
WFB: We hate you, but we’ll let him deposit it in his account. Next!
Me: OK, I am here. Can we deposit this in my account?
WFB: Let me ask my manager.
WFB: Oh look, the money order is $65 more than your current balance. We cannot accept this instrument for deposit.
Me: You don’t care that there will be a direct deposit for 20 times this difference in 39 hours?
WFB: Exactly. Next!
Me: You refuse to redeem this negotiable instrument that you issued.
WFB: Moneygram issued it. Yyou can cash it there. Next!
Moneygram: *salivates at the though of a commission on the redemption end*
Me: So, “issued by Wells Fargo Bank” doesn’t mean what is says?
WFB: Well, “WE” didn’t issue it. Wells Fargo Bank, Anchorage Alaska did. They will redeem it. Next!
Me: It was bought on the Atlantic coast. The purchaser did not drive to Anchorage to obtain it.
WFB: What’s your point? Don’t you want a vacation? Sarah Palin will welcome you. Next!
Me: so “National Association” only applies when it works for you, not your customers?
WFB: Exactly. Have a nice day. Next!