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Originally Posted by xoxoxoBruce
AND, they tell you exactly what the hell they are.
When a bank admonished me for abusing my MAC card, I asked why they didn't tell me what the rules are.
The reply, "If we printed up all the rules it would be as big as a dictionary."
Well then, how the fuck you you expect me to know what the rules are?  |
Oh, I agree. I can't tell you how frustrating it is for me when I try to do my job, and everyone says no one else does it that way. My superiors expect me to follow the rules, or I get fired. But then others at different branches might let things slide through. But that is why there is such high turnover. All the tellers that you see that don't do their job? They get fired. Sooner or later, they slip up bad and get the can. That is why I have been in banking for 4 1/2 years, and haven't had that problem. And why some of my customers follow me from branch to branch as I transfer to get promotions. I explain what I'm doing, why I'm doing it, and how it will affect them.
One of the problems with the rules is that they are vague. I'm sure there is one clause in the rules that say not to abuse your card, but don't state what they consider abuse. We give our customers a ton of disclosures when they open accounts that tell what we are going to do. Just one of the things it does is inform the customer that at any time, the bank reserves the right to hold your funds. We technically don't even have to notify you at the time, we can mail you the form. But I consider it common courtesy to inform my customers when I decide to hold their funds. And the rules also state that we won't do this with any check. It is hard for the customer to know what to do, since it says we can hold the check... but since it usually doesn't happen, everyone thinks it won't apply to them.
Bottom line, they should have informed you that they were going to do hold your funds, and what constituted abuse for his card. If they didn't do that, they should have refunded the fees and made things right... since it was the first time, and now you know and won't do it again. We do that all the time. But the situation of your check not being made available right away can and probably will happen at any bank.... especially since it happens sporadically. If you deposited $5,000 checks everyone month, from the same people, drawn off the same bank, around the same time, then chances are they wouldn't ever hold your check. They would have a steady history to know that the bank is going to honor your checks.
For example, 99% of the time we hold insurance checks because they are returned so much. And every time, I have to explain it to the customer. And every time, they give me the line that it is a real check, from a real bank, that they know has money. And every time, I have to explain that it doesn't matter whether or not that have the money in that situation, it matters if they will honor the check. It just got me riled up when you said:
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I got a check for about $5,000. Doesn't matter where I got it, right? It's a real check, from a real company, drawn on a US bank.
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Because it does matter where you got it. That is what I was trying to convey. Again, it sounds like you might need to switch banks. But you just have to know that the same situation could happen at the next bank. Just be careful, and do as much research as possible when you go to the bank.