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All through the "working" day I was distracted by telephone salespeople offering life insurance, gold cards, replacement windows, cheaper heating oil or Caribbean cruises.
Some of these services include issuing of student ID cards, replacement of lost ID cards, verifying residential status for students with forgotten ID cards, dispensing of general information, placing maintenance requests for rooms, and other such services.
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Bank of America has a 24-hour worldwide card replacement policy for its credit and debit cards.
The card also comes with passport and credit-card replacement assistance.
Senator Kirsten E. Gillibrand's office is helping with the green card replacement.
The figure includes replacement book charges, handling fees and card replacement fees as well as fines for overdue books.
American Express, Tesco Bank, MBNA, Santander, TSB, Virgin Money and Barclaycard do offer an emergency credit card replacement service for customers.
You could always give the digital-camera buff in your life a more capacious memory card, replacement photo-printer ink cartridges or a package of glossy photo paper for printing, but that would be awfully utilitarian -- the high-tech equivalent of giving your parents an econo-pack of paper towels for Christmas.
Transactions you can expect to be charged for include (but certainly aren't limited to) getting a cheque book, writing or cashing a cheque, assisted withdrawals (going into the bank to withdraw funds rather than using an ATM), card replacement fees if yours is lost, and even online transfers from one of your own bank accounts to another.
It's no coincidence that, during the period when the number of check cashers and payday lenders has grown, banks have instituted a range of new fees and raised existing charges on A.T.M. withdrawals, wire payments, debit-card replacement, and paper statements, among other services.
In 2009 it tested using mobiles as an Oyster card replacement to pay for travel on London's Underground network.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com