My friend Bill in New York goes to a big-name bank to withdraw $8,000 from his account. He’s told by the teller to see Mr. So & So. Mr. So & So explains to Bill that the bank doesn’t have $8,000 cash, but he would be glad to give Bill a cashier’s check for the $8,000. Bill laughs and says, “You’re joking, right?” The banker gets indignant and huffs out, “Banking is serious business.” Mr. So & So gets the cashier’s check, gives it to Bill, and says, “How would you like to pay the $45 check fee?”
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