Banking issue..

[JodiR]

Made a deposit yesterday at the credit union. Most was cash with a few checks. Today I got a call back saying the cash may have been counted wrong and she wants me to let her know what denominations I brought in. I don't remember. It sounds like she wants to deduct some money from my account. What do I do?

 

[angierae]

I would ask to speak to the bank manager (was it a cashier or the manager that called you?) and tell him that you brought in X in cash and Y in checks and you have no idea how many bills of what denomination you brought in.

(If the cashier called you, I smell something fishy, and I'd want to talk to a manager.)

 

[GOOFY4DONALD]

This sounds fishy. It's not your job to tell them how much your brought in...it's their job to verify it before you leave. It doesn't matter if you fiiled out the deposit slip correctly or not they need to verify you didn't make a mistake...and if you did they need to rectify it before you leave. I would be calling a manager ASAP and if they seem to have a completely different amount I would demand that they run the survellience tape before taking any money out of my account.

 

[mpls_mm]

The bank can and will do whatever it wants. I deposited a stack of checks from my store and got a deposit slip and receipt. They called me to say a check that was listed wasn't in the night bag. I argued that she verified and the slip reflected that. They acted like I was trying to scam them. I only got that credit 3 weeks later when they found it stuck in a sorting machine. I learned then, the bank is always right.

 

[JaymeC]

I work at a credit union that seems to have a similar policy to this, so maybe I can help shed some light on what happened. What probably happened is that she ended up say $20 short in her drawer last night. This morning she got into work, printed off every single transaction and then did the math on which ones could have possibly involved $20 bills. Then she gave every single person on that list a phone call. That includes ones she gave out $20 bills to and ones she took it from. Because sometimes there really IS a person out there that says "Oh yeah! You gave me $20 back on accident and I've been meaning to call you, but I went through the line at 5 minutes before closing!" It's rare, but it actually does happen. At our company, the tellers DO call you, not the manager. The reason for this is because *they* are the ones who screwed up, which means THEY have to apologize to you not the manager. Though if you asked to speak to the manager, I'm sure they'd be happy to oblige.

They don't have any right to take that money out of your account unless you confirm there was a mistake made, at least to my knowledge. It's a bit different with a check as they should have the paper copy. The teller is just doing her best to make things right, and trust me 98% of the time that money isn't found. She probably asked you for denominations because she was say $20 off and you deposited $100. If you deposited a $100 bill, not 5 20's then she knows that it couldn't have been you.

Anyway I hope this clears it up some or maybe makes you feel a bit better

 

[snowy76]

But if the teller screwed up, then it's not on the customer to fix it.

What if a cashier at a store had their register came up short - they're not going to call the people who bought their groceries that day!

 

[dewrlw]

I work at a credit union, too. Our teller would call to verify a transaction if the drawer was off whether it was over or short. We had a teller who was $100 over. We looked at the transactions and narrowed it down to two members. After talking to them, we were able to verify who the money belonged to and make it right. It may be that they owe you money!

 

[Mom_Rides]

Do you have your deposit receipt? If you do, you should have absolutely no problem rectifying this situation.

 

[JodiR]

Why are they asking you? Didn't you fill out a deposit slip with the amount?

Our credit union doesn't allow deposit slips. We just write out account number on the back of the checks. The teller counts the cash and says you have XXX and then lets me know the total amount with the checks. I agreed with her when I left. So not sure why she is calling me now.

 

[JodiR]

She wants to know how many 1's I brought in. Did I bring in a lot or a few?

I work at a credit union that seems to have a similar policy to this, so maybe I can help shed some light on what happened. What probably happened is that she ended up say $20 short in her drawer last night. This morning she got into work, printed off every single transaction and then did the math on which ones could have possibly involved $20 bills. Then she gave every single person on that list a phone call. That includes ones she gave out $20 bills to and ones she took it from. Because sometimes there really IS a person out there that says "Oh yeah! You gave me $20 back on accident and I've been meaning to call you, but I went through the line at 5 minutes before closing!" It's rare, but it actually does happen. At our company, the tellers DO call you, not the manager. The reason for this is because *they* are the ones who screwed up, which means THEY have to apologize to you not the manager. Though if you asked to speak to the manager, I'm sure they'd be happy to oblige.

They don't have any right to take that money out of your account unless you confirm there was a mistake made, at least to my knowledge. It's a bit different with a check as they should have the paper copy. The teller is just doing her best to make things right, and trust me 98% of the time that money isn't found. She probably asked you for denominations because she was say $20 off and you deposited $100. If you deposited a $100 bill, not 5 20's then she knows that it couldn't have been you.

Anyway I hope this clears it up some or maybe makes you feel a bit better

 

[MrsJackSparrow4Life]

Our credit union doesn't allow deposit slips. We just write out account number on the back of the checks. The teller counts the cash and says you have XXX and then lets me know the total amount with the checks. I agreed with her when I left. So not sure why she is calling me now.

Did they give a reciept at least? If not I would be looking into a new banking establishment. I don't want to bank with any company that refuses to give me proof of a transaction. I certainly would not be giving them any cash; too easy for them to say "sorry, we have no record of that transaction" and keep your money.

 

[JaymeC]

She wants to know how many 1's I brought in. Did I bring in a lot or a few?

I imagine she was off by $1 or 2 and was looking for it. Our cut off to be calling customers is I believe $5. And even then, if we've had a busy day it's just let go of pretty much.

Having said all this, it's a good thing to verify the money you're depositing before you deposit it, and I always verify with the person putting money in before I deposit it how much it is, but *everyone* is human and mistakes are made. They definitely should be giving you a receipt as well.

 

[mommyjam]

I work at a credit union that seems to have a similar policy to this, so maybe I can help shed some light on what happened. What probably happened is that she ended up say $20 short in her drawer last night. This morning she got into work, printed off every single transaction and then did the math on which ones could have possibly involved $20 bills. Then she gave every single person on that list a phone call. That includes ones she gave out $20 bills to and ones she took it from. Because sometimes there really IS a person out there that says "Oh yeah! You gave me $20 back on accident and I've been meaning to call you, but I went through the line at 5 minutes before closing!" It's rare, but it actually does happen. At our company, the tellers DO call you, not the manager. The reason for this is because *they* are the ones who screwed up, which means THEY have to apologize to you not the manager. Though if you asked to speak to the manager, I'm sure they'd be happy to oblige.







I was once given 20 too much at the bank drive thru, I immediately parked my car and went in to give it back to them and tell them what happened. The teller was so rude and insisted I must not have filled out my deposit slip correctly. I showed her the slip that showed the correct deposit amount and how much I was supposed to get back, and told her I didnt want them searching all night to find where they were off, a simple thank you would have sufficed. Apparantly banks can make mistakes they just wont admit it.

 

[bpesch]

If I had a deposit receipt for a certain amount, there is no way I would back down from that amount. It's the teller's responsibility to count out a deposit and once she enters it, as far as I'm concerned, it's done.

It sounds like the teller may have come up short on her drawer and is trying to find a way to justify it. My response would be "sorry, but I deposited exactly what my receipt says." And let it go at that.

Any further communication would be with someone up that chain of command.

 

[*pixie*dust*]

It is common for a Teller who is off to contact those that she think may have been the person she waited on when she made an error. Oftentimes they have to resort to calling because their job may be on the line.

The bottom line is that unless you volunteer that your transaction was wrong, the Teller will have to take the loss.

 

[JodiR]

The teller called me this morning and told me the cameras showed the correct denominations. She said she accidentally put in too many 1's for the deposit. I can't believe cameras can get that close to see what is going on. I asked to see the tape.

 

[njmom47]

That's impressive to have a camera that focuses in that close, but in a bank, it sure makes sense to me.

 

[shame711]

If they have newer camera equipment they can pinpoint the denominations. That's a big if as the equipment is expensive and a lot of banks is not that updated. Ask to see the tape if they refuse lodge a complaint with their regulator.

 

[DisMN]

The teller called me this morning and told me the cameras showed the correct denominations. She said she accidentally put in too many 1's for the deposit. I can't believe cameras can get that close to see what is going on. I asked to see the tape.

I worked in loss prevention at Target and boy oh boy were those cameras ever good! We could see the ink as you signed your name at the register. We could clearly see the laces on your shoes and the buttons on your blouse. We could follow a car out of the parking lot and wayyyyy down the street. We could NOT, however, look around corners, which many naughty people seem to realize. LOL

Yup, security cameras are good at what they do.

 

[JodiR]

They will call me this weekend of Monday if I can see the tape or not. Something is fishy