I was skeptical about the whole RGIS debit card shebang. I thought in my previous blog that fees are extremely exhorbitant and therefore unreasonable. But I tried to register my debit card the following day after I have received it to benefit the doubt and to test that those fees are real as they are. I have no choice but to register anyhow because this is the ONLY way I could get hold of my pay since RGIS won't send paper paycheck anymore.
In short, I registered my debit card by calling the customer activation hotline: 1-866-402-1237. The activation process was quick and easy. Immediately after that, I decided to proceed for ATM withdrawal. I decided NOT to inquire my balance since I expected that my pay has been debited to this card. And plus the fact that I don't want to get charge of an extra $1.50 just for the inquiry. I went straight to withdrawal process.
So I got the money I wanted. BUT wait! the ATM machine is telling me that I get charged of $3.00 for this withdrawal transaction! I was flabbergasted! I can't believe that I get charge of $3.00 for this single one-time withdrawal transaction!
All I thought was that, I can ONLY get charge of $1.50 per single withdrawal transaction as per the Terms and Conditions set forth by this RGIS debit card. Those menu of charges are a complete rip off! What is worst was that it only notifies you that you are being charged of the said amount AFTER you have received the withdrawal instead of telling you that you will BE charged of the said amount before you proceed or complete the withdrawal process.
Therefore, what the RGIS debit card didn't tell me was the double charge: One service charge of $1.50 from the RGIS debit card since ADP TotalPay Card processed your request, and another $1.50 service charge from the ATM machine that processed my transaction.
One thing I can say about this card: This is BS and absurdly ridiculous!
Showing posts with label Personal and Funny. Show all posts
Showing posts with label Personal and Funny. Show all posts
Saturday, December 27, 2008
Thursday, December 25, 2008
RGIS debit card: NO FREE LUNCH!
RGIS has sent to its employees a new way of receiving pay aside from the traditional paycheck: RGIS debit card/pay card. And it will be effective by December of this year. This card which is looked similarly to this STAR CARD can be used safely and conveniently access your pay without all the hassles of a paper paycheck. You still get to receive pay statement by mail.
Just like any standard debit card, you have to activate this in order to withdraw or inquire your funds. You may use the card at millions of ATMs and retail locations accross the U.S. You can check your balances and the best thing is you can use this card to make purchases.
If you want to make a purchase but don't have enough money on your card, some merchants allow you to make a partial payment with your card and pay the remainder with cash. In fact, you may have the option to upgrade this into a regular Visa debit card. How cool is that!
But dang! there's a catch.
All transactions are no free lunch! Here are some exorbitant fees on per transaction:
ATM withdrawal: $1.50
ATM Balance Inquiry: $1.50
Lost stolen card: $6.00
Statement request: $2.95
What? Yes, you read it right. Reputable financial institutions (such as banks and credit unions) mostly if not all of them, DO NOT charge you any of these fees. Because they are value-added services and are important part of customer care. My financial institution is BECU (Boeing Employees Credit Union) does NOT charge me any of these! Even my KeyBank. They are all freebies.
For RGIS card, if you intend to make balance inquiry and there was no pay being debited yet into your card, you will get charge of $1.50. By the time you will inquire again, do not be surprised if RGIS paycard has charged you with $3.00 altogether!
Why does RGIS come up with this pay scheme? Simple. Because RGIS can save tens of thousands of dollars from spending paper paycheck printing, mailings, salary/paycheck processing, and things like that. And RGIS wants you to pay this financial burden. Is that cool? It would have been cool if its going to be free OR at least a $.25 per transaction is understandable.
Don't get me wrong, debit cards are excellent way to receive your pay because it is handy. And some reasonable fees are understandable but to excise fees more than what is reasonable is totally ridiculous.
Just like any standard debit card, you have to activate this in order to withdraw or inquire your funds. You may use the card at millions of ATMs and retail locations accross the U.S. You can check your balances and the best thing is you can use this card to make purchases.
If you want to make a purchase but don't have enough money on your card, some merchants allow you to make a partial payment with your card and pay the remainder with cash. In fact, you may have the option to upgrade this into a regular Visa debit card. How cool is that!
But dang! there's a catch.
All transactions are no free lunch! Here are some exorbitant fees on per transaction:
ATM withdrawal: $1.50
ATM Balance Inquiry: $1.50
Lost stolen card: $6.00
Statement request: $2.95
What? Yes, you read it right. Reputable financial institutions (such as banks and credit unions) mostly if not all of them, DO NOT charge you any of these fees. Because they are value-added services and are important part of customer care. My financial institution is BECU (Boeing Employees Credit Union) does NOT charge me any of these! Even my KeyBank. They are all freebies.
For RGIS card, if you intend to make balance inquiry and there was no pay being debited yet into your card, you will get charge of $1.50. By the time you will inquire again, do not be surprised if RGIS paycard has charged you with $3.00 altogether!
Why does RGIS come up with this pay scheme? Simple. Because RGIS can save tens of thousands of dollars from spending paper paycheck printing, mailings, salary/paycheck processing, and things like that. And RGIS wants you to pay this financial burden. Is that cool? It would have been cool if its going to be free OR at least a $.25 per transaction is understandable.
Don't get me wrong, debit cards are excellent way to receive your pay because it is handy. And some reasonable fees are understandable but to excise fees more than what is reasonable is totally ridiculous.
Tuesday, May 29, 2007
The worst job decision?
It was December 22 when I got my first store. Again, at that point, I was not 100% sure about this job. Since I needed some money for Christmas and New Year, I had no choice but to accept this with a wait-and-see attitude. Let me tell you, that store with rotten tomatoes and eggs traumatized me and at the same time woke me up to some realities of job hunting.
The next store from my schedule was totally different from the first that I did: I got to count a nice-looking, clean, and a cozy toy store located inside Bellevue Square Mall. It was great at the beginning of the inventory. But something happened that caught my attention.
Some of the Auditors have attitude problems. I am not saying that I have no behavioral issues, but there are cases when you draw a line between what is appropriate and what is not. I could hear auditors rudely yell for SKU checks at the top of their lungs all over the place! You only need voice appropriately, loudly enough to be heard for a 300sq.ft toy store. I could imagine how store manager was in a state of confusion because she couldn't determine which auditor to attend first because everybody was yelling at the same time. Being polite and corteous are, in my opinion, play vital part in building professional image and enhance good communication as well.
These are supposed to be a given for any employee that represents the very core corporte image of the company they represent. The worst was, the inventory supervisor won't even care! So I thought, "Could this be the image that we want to tell eveybody about RGIS?"
I stopped for a moment and thought, "Is this the company I really want to spent some of my time with?" What if my answer is in the affirmative side, This could be the worst job decision that I ever made.
The next store from my schedule was totally different from the first that I did: I got to count a nice-looking, clean, and a cozy toy store located inside Bellevue Square Mall. It was great at the beginning of the inventory. But something happened that caught my attention.
Some of the Auditors have attitude problems. I am not saying that I have no behavioral issues, but there are cases when you draw a line between what is appropriate and what is not. I could hear auditors rudely yell for SKU checks at the top of their lungs all over the place! You only need voice appropriately, loudly enough to be heard for a 300sq.ft toy store. I could imagine how store manager was in a state of confusion because she couldn't determine which auditor to attend first because everybody was yelling at the same time. Being polite and corteous are, in my opinion, play vital part in building professional image and enhance good communication as well.
These are supposed to be a given for any employee that represents the very core corporte image of the company they represent. The worst was, the inventory supervisor won't even care! So I thought, "Could this be the image that we want to tell eveybody about RGIS?"
I stopped for a moment and thought, "Is this the company I really want to spent some of my time with?" What if my answer is in the affirmative side, This could be the worst job decision that I ever made.
Sardines and rotten eggs
So I went back to the RGIS office and took a two-part exam. The written exam was the easiest! Nobody would fail this because its more of basic Math and a lot of common sense. Even a sixth grader could easily passed it! The machine test was more like a 10-key data entry practice. Their machine which they call it Audit was pretty much like a very huge keypad or bulky calculator of sort. The blue color Audit caught my attention.
The trainor was a Russian lady, or maybe a Czech, about 5'2", with a traditional Russian accent. She gave us instuctions to key-in some dummy merchandise shown from the wall. It was very easy that a caveman (no pun here)can do it! Out of 20 applicants,there were like 15 that passed from this basic math skill test. When the training was over, me and all the rest of the new hirees on that day were immediately given some stores to start with. The trainor was impressed on my skills that she told me I could start with some small grocery stores right away.
She gave me and Ron the same stores because I don't have a car yet at that time. Besides I just got here in Washington barely a month. So, I realized later that a reliable transportation is very important with this kind of job.
When we went home, Ron MapQuested the stores we are scheduled to go. "I know this particular store" he said. "It is famous for expired beef franks, frozen meat, century-old fish and rotten eggs I always go there many times." I thought that was creepy, but why the hell he's going back to that store. Then he continues, "My girlfriend works for that store, what do you mean?" I just smiled.
On the contrary, I began to entertain the thought that this is not the kind of inventory jobs I would like to expect. In fact, from the beginning of my training, I was told that I get to count stores such as Sears, Fred Meyer, Target, Macy's and all those fancy stores with well-ventilated, nice looking environment. But now, I am about to be thrown to a grocery store that is famous for rotten eggs and tomatoes!
Man, I'm out now, and I won't show up to this store! But on the other hand, I need some money. Good money.
The trainor was a Russian lady, or maybe a Czech, about 5'2", with a traditional Russian accent. She gave us instuctions to key-in some dummy merchandise shown from the wall. It was very easy that a caveman (no pun here)can do it! Out of 20 applicants,there were like 15 that passed from this basic math skill test. When the training was over, me and all the rest of the new hirees on that day were immediately given some stores to start with. The trainor was impressed on my skills that she told me I could start with some small grocery stores right away.
She gave me and Ron the same stores because I don't have a car yet at that time. Besides I just got here in Washington barely a month. So, I realized later that a reliable transportation is very important with this kind of job.
When we went home, Ron MapQuested the stores we are scheduled to go. "I know this particular store" he said. "It is famous for expired beef franks, frozen meat, century-old fish and rotten eggs I always go there many times." I thought that was creepy, but why the hell he's going back to that store. Then he continues, "My girlfriend works for that store, what do you mean?" I just smiled.
On the contrary, I began to entertain the thought that this is not the kind of inventory jobs I would like to expect. In fact, from the beginning of my training, I was told that I get to count stores such as Sears, Fred Meyer, Target, Macy's and all those fancy stores with well-ventilated, nice looking environment. But now, I am about to be thrown to a grocery store that is famous for rotten eggs and tomatoes!
Man, I'm out now, and I won't show up to this store! But on the other hand, I need some money. Good money.
Tuesday, October 03, 2006
Welcome to RGIS! ( Part 2 )
It was one Friday afternoon when me and Ron drove down to an RGIS office in Seattle since it was the closest office of RGIS about 22 miles away from my apartment addresss. Ron had a driving problem because he missed several exits and we had to go back again to the freeways several times (like headless chickens, lol)just to be back on track.
It was 2:30pm when we arrived at the said address. Ron parked his ageing sedan in front of the building. The RGIS office was located at the 2nd floor. I approached the front desk and inquired about the job ad and she immediately asked me to fill up an application form. She brought me into this conference room which at that time jampacked with applicants. My first impression was, Wow! are we in an immigration office?
As I look around inside the room, I noticed merchandise posters all over the wall! I saw posters of canned foods, cereals, eggs, bottles, noodles, and other stuff. The feeling was like you are inside a grocery store-a virtual grocery store! So I thought that this job has something to do with merchandising. Kind of. After filling the application and turned in other documents, the secretary told everybody in the room, "If you are interested and have more questions, then you have to come back for a simple math test and an interview with this date", while she writes down on the white board the next appointment date.
My curiosity crept in. I asked the other applicant beside me, "Are we supposed to be scheduled for drug test or something?" And he smiles and said, "Dude, this is now my third time to apply here, One thing I like about this company is that they don't conduct drug test or any background check. You are safe here." And I thouhgt, "Hhmm, no wonder there are lots of applicants here." Not that I have issues with drugs, but most companies that maintain a good and professional image, drug testing and background check are necessary elements in pre-hiring process.
But then, I thought that this opportunity could jumpstart towards my dream job in IT.
It was 2:30pm when we arrived at the said address. Ron parked his ageing sedan in front of the building. The RGIS office was located at the 2nd floor. I approached the front desk and inquired about the job ad and she immediately asked me to fill up an application form. She brought me into this conference room which at that time jampacked with applicants. My first impression was, Wow! are we in an immigration office?
As I look around inside the room, I noticed merchandise posters all over the wall! I saw posters of canned foods, cereals, eggs, bottles, noodles, and other stuff. The feeling was like you are inside a grocery store-a virtual grocery store! So I thought that this job has something to do with merchandising. Kind of. After filling the application and turned in other documents, the secretary told everybody in the room, "If you are interested and have more questions, then you have to come back for a simple math test and an interview with this date", while she writes down on the white board the next appointment date.
My curiosity crept in. I asked the other applicant beside me, "Are we supposed to be scheduled for drug test or something?" And he smiles and said, "Dude, this is now my third time to apply here, One thing I like about this company is that they don't conduct drug test or any background check. You are safe here." And I thouhgt, "Hhmm, no wonder there are lots of applicants here." Not that I have issues with drugs, but most companies that maintain a good and professional image, drug testing and background check are necessary elements in pre-hiring process.
But then, I thought that this opportunity could jumpstart towards my dream job in IT.
Saturday, September 30, 2006
Welcome to RGIS! (Part 1)
They were talking about how money was easy to earn and that "5 mouse clicks is sure a big hit." Man, I've been in San Diego since the Prehistoric times and never heard of about computer clicks that sure a big hit. I was only earning like $6 plus something from my menial job. In California, "Mucho trabajo, poco dinero." But my friends over here in Washington said that jobs guarantee easy money.
Months later, I decided to pack up my stuff and headed towards the Evergreen State.
It was exactly November 2000 when I moved here in Washington. I looked for my friends here and they were more than willing to accomodate me to their apartments. Its been a week now and my friend Ron, knows that I am beganning to feel burned up. "I need a work now" I told him while we were heading towards Goodwill to pick up a new copy of Today's Career job magazine. He told me that it is best for me to look for an "immediate" job as a starting point while searching for my dream carrer in IT.
With a sense of desparation, I browsed thru this small job listing paper for King County and it caught my attention to an ad that says,
- Immediate opening,
- no experience necessary
- paid training
- $8.00 per hour
- Reliable transportation.
The ad was from a company called RGIS. The first thing that came accross into my mind was, "Could this be the easy money kind of job that my friends were talking about lately?" And I began to entertain that thought.
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