In this episode of the Eminem Experience, Mike and Mark take you on a journey through the curious case of a bank withdrawal that led to a surprisingly viral moment online. They reflect on the intricacies of banking policies, the unanticipated challenges faced by older customers, and the broader implications of social media reactions. Candidly sharing personal anecdotes and listener feedback, they address privacy concerns and the evolving landscape of customer service.
00:15:31 Podcast Promotion for the Eminem Experience
SPEAKER 01 :
Mike Gallagher. Every day, Mike visits with Mark Davis. Morning host on 660 AM, The Answer in Dallas. Here’s today’s Eminem experience.
SPEAKER 02 :
1963 vintage Beatles. And money, that’s what I want. This is what Mike Gallagher said as he walked into a bank yesterday for what should have been the most routine, un-talk show worthy. Look, 53 things are going on. And as we showed the audience yesterday in doing 10 minutes of land man talk, which I heard about. I finished it last night. Wowza. We do a wide variety of things. It’s okay. It’s part of our charm.
SPEAKER 03 :
Just hang with us. We’ll get there. We’ll get to the end of the world any minute now. We will chronicle the apocalypse for you. Armageddon at 745.
SPEAKER 02 :
Got it done. Got it done. But for now, you walk into the bank, and as will sometimes happen, you wanted some cash. And it was a smidge above what the ATM would give you. So it involved interacting with a real human being. Correct. And the story goes from there.
SPEAKER 03 :
Well, let’s first stipulate, and I think you’ll agree with this, things happen to me that don’t happen to anybody else. Or when they do, they just become ramped up in the drama. No, but think about this. You and I have had a lot of time on this planet. We’ve circled around the sun quite a bit between the two of us. In your lifetime, have you ever walked into your own bank, seen a teller who knows you, you withdraw money, and she wants you to tell her how you’re going to spend your money? Has that ever happened to you in your life? No. Okay, thank you. And I can guarantee you, I think it hasn’t happened to most people. And this went viral when I posted it on X yesterday. I’ll bet. So I know people can relate to it. And there were a couple of people defending the teller, and I can’t quite understand the defense.
SPEAKER 02 :
You’re the official. We’re the official talk shows of bank employees, so we’re going to need some help to explain what happened to Mike. So you go up to the window and?
SPEAKER 03 :
I stroll in, and again, as you said, the withdrawal amount that I wanted to withdraw was over what the ATM limit is, the daily ATM limit. It doesn’t matter if you go five times. Once you hit that limit, you can’t take any more out. So I go, well, I’ve got to go in. You remember the commercial, have you ever been to the bank? The little boy who says, Daddy, are you going to go to the bank? Have you ever been? And it was a great reminder. I thought the same thing. I go up to this lady, very polite. And I’ll tell you the amount so people know what we’re talking about here because that matters because I do think there’s supposed to be an accounting for transactions to the government of $10,000 or more.
SPEAKER 02 :
Well, sure. That’s the one thing that the one asterisk that I was going to identify is if I go in and I and I want 10 grand, maybe there’s paperwork so that I’m not money laundering or paying off a cartel. I don’t even like that because, as you’ve said, doggone it, it’s my money and none of their business. But, you know, at that level, OK, maybe.
SPEAKER 03 :
I think it’s a piece of federal legislation. I believe that every transaction you do at the bank, $10,000 or more, there’s a notification sent to the feds. I’m almost positive I’m right on that. But nonetheless, this wasn’t $10,000. It was $4,000. I wanted to take it from, and you know, in a quick story, people think I’m a real-life Daddy Warbucks. I’m not a gazillionaire, but I had an account at a bank in New York that’s a national well-known bank. When I moved to Florida, there was another branch that was even more convenient, so I opened up a second account. So I have two accounts. I have an account at these two banks. And once in a while, I move money between those two accounts. One account’s getting low, you know, just normal stuff. Can you do that on your phone in 30 seconds like I did? No, because when it’s like two competing banks, it takes like days to do that. Internal transfers are instantaneous. But the wire transfer is institutional.
SPEAKER 02 :
Right, and I didn’t want to wait.
SPEAKER 03 :
Why not just get the stupid money, walk it across the street? Right. I don’t want a check to bounce, so I want to get the money over. So I go in. I told the lady, that’s a little more than the ATM, so I’m here. Can I get $4,000? So she counts out $4,000. After she counts it out, and she hasn’t given it to me yet, she says, okay, and just what exactly will this transaction be used for?
SPEAKER 02 :
And she meant it because I was part of it was I thought they were just being this is Florida. People are folksy, just like in Texas. What are you going to buy you a truck?
SPEAKER 03 :
I mean, no, this was a policy question, she said. And I said, pardon me. She said, I am. I almost my my head. The smoke was starting to come out of the back of my head. I said, pardon me. She said, can you tell me what this transaction will be used for? And I was too flummoxed. I was too dumbfounded to think on my feet and say, I’m using it for none of your business, USA. I mean, none of your business.
SPEAKER 02 :
One of the most famous, can you put this on Twitter? And at least half of the first hundred were, you should have told her, hookers and blow.
SPEAKER 03 :
Hookers and blow, yeah. Or the cartels. I’m sending it to the cartels. Go full hunter. But I was so flabbergasted that I told her, you know what I said? I told her the truth. I said, well, I’m taking it out of this bank because I’ve got another account over here and I’m going to take it over to that bank and put it in there.
SPEAKER 02 :
Did you beat yourself to death in the parking lot afterward for saying I should not have answered that question?
SPEAKER 03 :
I should have told her to go pound salt. So now let’s be pragmatic. What would the wrong answer have been? In other words, what answer could I give her about my own stinking money that would have precluded her from giving me my own money?
SPEAKER 02 :
Help me get the story in order.
SPEAKER 03 :
Had she given it to you already? No. No. She kept it on her side of the window. She had counted it out, but she hadn’t given it to me yet. So I’m thinking… She’s dangling it in front of your face. Yeah, like a carrot on a stick.
SPEAKER 02 :
You want your own money?
SPEAKER 01 :
You want your money?
SPEAKER 03 :
Oh, what are you going to do with it? You going to go to the store? You going to go… What am I supposed to say to her that would have… Prevent it. You know what I’m thinking today? And I’m serious. I’m still mad about it, as you can tell. I’m going back today to the bank. I’m going to pull a Karen. See a manager. I’m going to ask for the bank manager and just say, can you explain to me why that happened? Because I don’t know. I wish I knew. Can you help me understand, Mark, why she would ask that?
SPEAKER 02 :
Okay. The text lines are springing to life. Mine, too. My number is 800-655-MIKE. What’s yours? 800-655-MIKE. Mine, of course, is 866-660-5759. Same as the call-in number. Right. Same as the call-in number. 800-655-6453. Very good. One says banks are required to do a soft notification. Wow. above 3,000 and written notification with filled out paperwork at 10,000. A soft notification.
SPEAKER 03 :
What does that mean? What? A soft notification to the government? To withdraw your own money? At 3,000.
SPEAKER 02 :
three thousand or more and if you had said and it’s kind of funny pound saying none of your business and you don’t have to do that but but just if this were to happen to me listen big talker if if that happens to me today i’m gonna say i’m gonna try this and say well uh that’s not something i feel inclined to disclose to you since it’s my money thank you very much i wonder if that puts up a red flag it probably does i probably let away let away in handcuffs at that point
SPEAKER 03 :
Now, here’s the one that’s the most infuriating explanation. And I resent this in my year number 65 on this planet. You think he’s crotchety before. Mike, this is from Dallas. You have reached the age where the bank tellers are looking out for you from scammers. Now, first of all, I am not decrepit. I am not being wheeled into the bank and barely speaking. Do I look 100? I mean, I’m not kidding you.
SPEAKER 02 :
I know I’m going to be 65.
SPEAKER 03 :
You are vigorous and youthful. Do I look like an old retired person that needs help from a scammer? No. And she knows me. I’m a customer. I got…
SPEAKER 02 :
Look, I’ve got a lot of money in that bank. But let’s say you’re 93 and scarcely coherent and you struggle through the question. Then is it kind of okay? I mean…
SPEAKER 03 :
Well, if I’m a victim of a scam, how would I explain that to her? That Julio is out in the parking lot waiting for me?
SPEAKER 02 :
There’s a Nigerian prince who emailed me and told me to leave it in an envelope. But that’s my business. It is.
SPEAKER 03 :
It’s my business. It’s my money. She has no right to know how I’m spending my money. And this is, I got nine texts. Now, here’s another one. They are making sure that people of an older age. aren’t being scammed. Hey, you’re blocked, texter. Never again. You’re done. Even the texters are looking out for you. They asked me at McDonald’s the other day if I wanted the senior discount and I stormed out.
SPEAKER 02 :
But you’re eligible for the senior discount.
SPEAKER 03 :
I don’t want the senior discount. I don’t want AARP. I’ve been taking those bad boys since I’m 55. I’ve been taking senior discounts for 12 years proudly. Nope, I’m not acknowledging it. I’m not acknowledging it. I’m 39. I am 39 years old. So anyway, thanks for all the advice. I mean, look, Tracy’s all fired up about my producer. She said, I would march in there today and take all my money out of that bank. Well, they… When I went to the other bank. Maybe it’s the law. Maybe they have to. I don’t know. No. What? You can’t take money out of your own account without them asking? I don’t know.
SPEAKER 02 :
One of two things are true. It’s none of her business. Either the bank has this as a policy and they’re just being nosy or there is some regulation that requires them to do that. Big brother. Well, Trump will fix it. I’ll call President Trump next week. Yes, indeed.
SPEAKER 03 :
I’ll be in D.C. I’ll stop over at the Oval Office and say, please fix the bank. Hey, I didn’t hear – let’s get into some Armageddon stuff. I didn’t hear – I was on a conference call when you were talking about Governor Abbott ordering the flags to be at full staff. Yep. I was getting confused. Mast is on a ship. Staff is. Full staff. Full staff rather than half staff.
SPEAKER 02 :
Right.
SPEAKER 03 :
I believe President Trump doesn’t like the flags being half-staffed. Correct. I have to confess, I must have a blind spot on this. And I didn’t hear your take on it. Mark, from my perspective, I don’t understand how flags at half-staff for a president who just died is in any way, shape, or form disrespectful to Donald Trump.
SPEAKER 02 :
It’s not.
SPEAKER 03 :
And I do believe that putting them up at full staff is disrespectful to Carter.
SPEAKER 02 :
But that’s not either. It’s just – do you think there’s anybody – here’s the logic for putting them at full staff. It is a celebratory day in our country on a – not singular, but on an incredibly rare moment of either transfer or continuation of power. It’s a celebration of everything that’s American for one day. We’re going to reflect that celebratory spirit by having the flags at full staff. And then the following day, they’re right back down. Tack on a day at the end if you want to for President Carter. There is zero, zero disrespect of Carter intended by this. Zero.
SPEAKER 03 :
I guess. I mean, do you think it’s disrespectful for Trump to have them at half staff? I don’t. How does it diminish the inauguration in any way?
SPEAKER 02 :
Because the flags at half staff indicate a stance of mourning, which we are in the aftermath of the Carter death, nationally speaking. And that seems like a disconnect from the celebratory spirit of the day i get it yeah here’s the thing that he really doesn’t like he loves the fact that that every trump hater loves the flags at half staff because they’re in a stance of mourning because oh i get it yeah blah blah blah yeah yeah that makes there’s no wrong answer i think you can you can take either side on that i i think and so well here’s a good answer that’s sort of it
SPEAKER 03 :
Let’s salute an American hero. Let’s salute a brave, courageous entertainer named Carrie Underwood, who without a doubt is one of the biggest breakthrough stars in America, who is going to be at the inauguration singing America the Beautiful. Mark, that’s a big deal. Do you understand that he’s only had people like – no disrespect intended for people like Kid Rock – But he’s not exactly an A-lister. They’re not exactly A-listers. This is an A-lister. And incidentally, she’s getting buried by a lot of people.
SPEAKER 02 :
Because modern country is, this is not your granddad’s country. This is not, you know, Hank Jr. and Hank Snow. That’s right.
SPEAKER 03 :
They’re more woke than they used to be.
SPEAKER 02 :
But nonetheless…
SPEAKER 03 :
What a beautiful, beautiful gesture, and good for her, and I’m glad she has the guts to do it. And finally, have you seen the video that’s gone viral, and they’ve identified the guy, the Philadelphia Eagles fan berating the Packers fan Sunday?
SPEAKER 02 :
I didn’t see what was done. I saw people say, the post I saw said, it was a freeze frame of the guy, who said, I’m an Eagles fan. He said, I’m all about getting into it in a kind of a playful way with visiting fans. It’s what we’re known for, but this was wrong and shouldn’t have happened. And I confess, I did not know what the person did, so
SPEAKER 03 :
Well, in a nutshell, and the guy’s been identified. They know who he is now and where he works. He called her filthy names. He called her horrible names. And he’s an Eagles fan. Now, let me just tell you, that’s the least… They’re kind of known for this. Oh, that’s the least surprising story I’ve ever heard in my life.
SPEAKER 02 :
That’s the stadium you least want to go into wearing the regalia of the other team.
SPEAKER 03 :
Well, that’s amazing you said that. I posted this on X, 30 seconds. Years ago, my son Matthew… who is a diehard devoted Dallas Cowboys fan, wanted to see the Cowboys play the Eagles in Philadelphia. And he said, Dad, and I said, okay, let’s go. He goes, and I’m going to wear my jersey. I said, Matt, let me tell you something. That kid at 13 learned more about the, well, the human anatomy. So he did it? Oh, we did it. And it was one of the most miserable afternoons of my life.
SPEAKER 02 :
I know.
SPEAKER 03 :
And I thought, how these grown men, and it was almost all men, wasn’t a lot of women, but there were some women, how these grown men want to berate a 13-year-old boy for sitting there in the stands.
SPEAKER 02 :
And it’s a half of 1% of the crowd, too. Please, how many people? I don’t know.
SPEAKER 03 :
Eagles fans are a different breed, man.
SPEAKER 02 :
They are.
SPEAKER 03 :
You’ve seen them at Texas Stadium, Cowboy Stadium. I mean, they’re beyond. And so this guy, but this guy’s life is ruined. I mean, already his employer, and he works, check this out, he works in the hospitality industry. What? So there’s some irony for you, but not a lot of hospitality.
SPEAKER 02 :
Can’t start a talk show when we’re already late, but should they lose that gig? I mean, this is so tough in the social media world. It’s tough.
SPEAKER 03 :
The guy’s a world-class jerk, clearly.
SPEAKER 02 :
Of course.
SPEAKER 03 :
And she was just a fan.
SPEAKER 02 :
I know.
SPEAKER 03 :
And it wasn’t anything she was doing, I don’t think.
SPEAKER 01 :
I don’t know, just wearing Packer stuff.
SPEAKER 03 :
Yeah, but you know what happens. Aren’t the Eagles the only ones that have a judge and a courtroom and a jail in their stadium? For adjudication of crime. They booed Santa Claus. They’re nuts. All right, man.
SPEAKER 01 :
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