Adventures with Zainab

Before setting out to Kaduna, I sent a lot of questions ahead of me, mainly because whenever I thought of the state, my memory just fails to conjure up any images at all. If I had only thought a little while back to years of childhood, I might have remembered that the Nigerian Defence Academy that trains all Nigerian soldiers is located in the state. I should have known this because there was a time when my brother was seriously considering enlisting. That was like twenty years ago. Now, all that circled my head were merely blank thoughts that never materialized into any concrete images, and my father had always said that there were no stupid questions.

So I asked, in all innocence and as a precaution to a situation of being hopelessly stranded in a strange land far away from home, “There is a UBA bank branch in your state, right?” And the problem started.

Unknown to me, that was the ultimate of all ignorant questions in today’s Nigeria. Actually, even to me, I realized the folly as soon as the question was uttered, but I justified my question with instances during my youth service in Jos when my National Bank account was suddenly rendered useless when I realized that there was no branch of the bank in the state. If I had thought about it a little more, I would have realized that after the consolidation of banks throughout the country, one of the requirements of new banks was that they must have branches in all thirty-six states. Yeah. Dumb me. To add salt to injury, as Zainab took time to remind me about a hundred times during our first meeting since New York, “Kaduna was the capital of the old Northern Region. How could we not have UBA?”. All my protest that the question was supposed to be a reflection on UBA and not on Kaduna as a state fell on deaf ears, and I’ve been paying for it ever since. Think about it, I said. You have Chase Bank in NY and we don’t have it in Edwardsville. It doesn’t mean that Edwardsville is “bush” as you must have thought I meant, but that Chase just doesn’t have the national reach. The more I made the argument, the more I lost.

And there’s more. I never really put my mind to the extent of the Shariah law introduced to some states in Northern Nigeria since 1999 so my asking the question also seemed to put her at some defence. “Yes, we cut people’s hands,” she said, and I will make sure that you lose one of your fingers before you go back to Ibadan.” Now I’m doubting whether father was right after all, because here I am looking like the dumb American returnee, and about to lose a limb. I am still a Nigerian, am I not?

How My Bank Lost Me

When I travelled to the US, I left some amount in my bank account that I can’t remember anymore now. I also had a debit card just in case I find myself stranded on returning to the country and I have to use some money. It was a little surprise then to find out on returning to my bank last week that very many changes have taken place. One of them was that old debit cards were no longer tenable and that customers had to get new ones. Now, here’s the snag: you had to pay for the new card.

I have never figured out how financial institutions functioned, but I know that they are supposed to make their money only from trading with the funds we deposit into their care. The rude awakening to me then on return there to the help desk was that not only would they profit from changing my debit cards, but from my monthly use of it.

So here it is: to change my card due to a sudden change in policy which I didn’t authorize or have any voice in formulating, I pay up to 600 naira. And then – the most annoying (fine print) clause in the new debit card application form – I get to pay 105 naira every month for keeping the said debit card.  Access charge, they called it. This part, I really still couldn’t understand. What it means of course is that when next I leave some money in the bank and I travel out of the country, it is possible that by the time I return – depending on how long I spend out of the country – there might not be anything left in the account. The bank would remove it every month to service my unused debit card. So there. This is not just an unfair business practice, and greed, it capitalism at some of its worst.

Needless to say, I went to a branch of the bank yesterday to ask them to close my account, and the staff at the desk responded that I have to go to the branch where I first registered the account before I could close it. But I registered the bank account while I was a Youth Corper in Jos five years ago! She gave me a straight face and a shrug. “That’s the company policy,” she said. “You have to go back to Jos to close it.” While she was saying this, the television flashed an update in the security situation in Jos.  Three Fulani nomad cattle herders had been killed again, and the city would become volatile again from now on.

So here I am, already decided as to what to do next: withdraw everything drawable from my account, and erase the bank from my memory. I’m just another lost customer that can be ignored, I guess, but I at least have a safe haven on the internet where I can vent my anger. Bye bye now UBA. 🙁  Now let’s see what GTB has to offer.