Banks, the enemy of small business.

         There are many challenges facing owners of small business.  If you are a very small business like my store you are doing everything from cleaning the floors to making decisions about inventory to buy.  Buying the wrong inventory can hurt your business but keeping the store clean and attractive can drive a customer away as surely as not having what they need.  A small business needs real help from professionals like accountants, contractors, lawyers, good sales reps from suppliers. Some of these folks are also small business owners and really do want to provide good service and help your business grow.
     Banks, on the other hand are only interested in money and would do anything for a nickel.  There are new branches springing up everywhere and these new buildings seem to be the only new construction to be found.  There was a recent report that said that banks make 40 to fifty percent of their income from penalty fees.  I would say that if banks gave the money back to the customers it belonged to many would go out of business or at least have to close branches. 
     Banks used to make money by providing services like loaning money, but draining customers accounts directly is easier and more profitable.  I could never be a bank officer and look a customer in the face who had just lost some money to the bank.  The standard answer given to the victim is that it wasn't a bank error and that is true in a way.  the bank took the money on purpose.  Sometimes banks will give some of the money back as a "courtesy" but the remaining amount stolen is still stolen and I see no courtesy in theft.
     I guess I should be silent and consider this kind of graft the cost of doing business but I would never treat a customer of mine that way so I just have to bear the loss.