topic Re: My Credit Union in Community Chat

My Credit Union

kivah — Fri, 29 Nov 2019 00:38:57 GMT

Yesterday I went to my credit union to deposit a large amount of cash. I asked the teller for a receipt and she said that her computer wasn't working properly ---- then she called a manager to see what's wrong. Then she called another manager-type and they still couldn't figure it out.

She kept thanking me for being so patient. She managed to print a sheet of paper showing my deposit and total amount I had in my money market a/c.

When I got home, I started wondering what was going on. No other tellers were having problems with their computers ---- people went to my teller prior to me being there. Does this make sense?

Re: My Credit Union

Peggy — Fri, 29 Nov 2019 00:47:07 GMT

@kivah wrote:
Yesterday I went to my credit union to deposit a large amount of cash. I asked the teller for a receipt and she said that her computer wasn't working properly ---- then she called a manager to see what's wrong. Then she called another manager-type and they still couldn't figure it out.
She kept thanking me for being so patient. She managed to print a sheet of paper showing my deposit and total amount I had in my money market a/c.
When I got home, I started wondering what was going on. No other tellers were having problems with their computers ---- people went to my teller prior to me being there. Does this make sense?

Sounds like her computer was down. I certainly wouldn't worry about it but if you are concerned, check your balance.

Re: My Credit Union

rms1954 — Fri, 29 Nov 2019 00:53:08 GMT

Does what make sense? Her computer had a glitch when she waited on you.

Re: My Credit Union

drizzellla — Fri, 29 Nov 2019 01:14:52 GMT

The fact that the teller called over two people to try and correct whatever the problem was that she was having with her computer, shows me that she probably was really having trouble with her computer.

If she was doing something nefarious, I doubt that she would want any co-worker to look at her computer.

That being said. I used to be the bookkeeper for a popular restaurant. I would count the money and deposit it at the bank. It was lots of $$$$$. I would hand the teller the paper bag of cash and they would count it out and give me a receipt. Well, one time the teller said she didn't have time to count it out. And put the paper bag on the counter behind the tellers. I did not find out until weeks later, the teller never made a deposit of that bag of cash. I was never told what happened. Because I think the owners of the restaurant never knew if I kept the money. But I wondered why they did not check security cameras. I am sure the bank had numerous ones around the bank. It was thousands of dollars, so it was certainly worth checking out the tapes from the security cameras.

Re: My Credit Union

blackhole99 — Fri, 29 Nov 2019 01:30:29 GMT

@drizzellla wrote:
The fact that the teller called over two people to try and correct whatever the problem was that she was having with her computer, shows me that she probably was really having trouble with her computer.

If she was doing something nefarious, I doubt that she would want any co-worker to look at her computer.

That being said. I used to be the bookkeeper for a popular restaurant. I would count the money and deposit it at the bank. It was lots of $$$$$. I would hand the teller the paper bag of cash and they would count it out and give me a receipt. Well, one time the teller said she didn't have time to count it out. And put the paper bag on the counter behind the tellers. I did not find out until weeks later, the teller never made a deposit of that bag of cash. I was never told what happened. Because I think the owners of the restaurant never knew if I kept the money. But I wondered why they did not check security cameras. I am sure the bank had numerous ones around the bank. It was thousands of dollars, so it was certainly worth checking out the tapes from the security cameras.

Do you still work for the restaurant? I never would have walked out of that bank without that teller counting that cash and giving me a receipt. I would have asked for the cash back and went to another teller.

Re: My Credit Union

homedecor1 — Fri, 29 Nov 2019 05:24:49 GMT

I went to my CU yesterday & kinda same thing happened. My car loan is due today and payment is $214.08.

She asked me if I was paying a partial payment. No why? She said her system showed the payment was $428.16.😳

She told me they were having server problems

since last week they did update. Tonight, I signed into my account and was going to pay bill yet it still shows double payment.

I selected other and entered 214.08. Then tells me Ihave payment balancedue. 🤔🤔🤔🤔

I paid my normal payment. I'll go there Monday to see what'sgoing on

Re: My Credit Union

RedTop — Fri, 29 Nov 2019 07:53:34 GMT

I think it was a combination of a large cash deposit, and a computer issue.

I recently made a large withdrawal on one of my accounts to cover a home project. I left that bank, drove straight to my other bank in the town closest to me, to deposit the cashiers check into my account. That teller called the main branch of the bank I just left to verify my cashiers check! I had paperwork to show my transaction as to why I had the cashiers check, but she still had to call.

Re: My Credit Union

Desertdi — Fri, 29 Nov 2019 09:06:23 GMT

My local bank treats me like a CRIMINAL. My only guess is that they have another customer with the same name who has a flag on their account.

Re: My Credit Union

Cats3000 — Fri, 29 Nov 2019 11:35:23 GMT

First, your credit union is probably federally insured by the National Credit Union Association (similar to the FDIC for banks), so you have protection.

Second, you got a printed sheet of paper showing the deposit. That's your proof that they took in your money. Hold onto it until your regular statement shows the money credited to your account.

Third, computers can have problems at any moment eveny when others are still working. The teller should have sent you to another station that was working. You might want to talk to the manager and ask why that didn't happen with your deposit when the problem occurred.

Re: My Credit Union

CelticCrafter — Fri, 29 Nov 2019 13:15:08 GMT

@Desertdi wrote:
My local bank treats me like a CRIMINAL. My only guess is that they have another customer with the same name who has a flag on their account.

When B of A started treating my husband like one, wanting 3 forms of ID from him before they would give him any cash back from his pay check we closed all our accounts with them.

Re: My Credit Union

kivah — Sat, 30 Nov 2019 01:54:47 GMT

I didn't think the teller was doing something illegal --- I even asked her if there's a problem with my account. I've been going to this credit union for 18 years and never had a problem. Why weren't the other tellers having a problem? YES - I did get a printout of my deposit and balance - which I will keep forever.

Re: My Credit Union

kivah — Sat, 30 Nov 2019 01:57:21 GMT

@CelticCrafter wrote:
@Desertdi wrote:
My local bank treats me like a CRIMINAL. My only guess is that they have another customer with the same name who has a flag on their account.
When B of A started treating my husband like one, wanting 3 forms of ID from him before they would give him any cash back from his pay check we closed all our accounts with them.

My last name is not very common. That thought crossed my mind -- was my account flagged?

Re: My Credit Union

jannabelle1 — Sat, 30 Nov 2019 02:26:11 GMT

I'm retired now, but worked in banking for over 40 years. If you don't think you're being treated fairly when you cash a check or make a deposit, then why not talk to the branch manager? Explain the situation and ask if there is a problem with your account, or if there are procedures or policies that you aren't aware of. Is the teller being rude? I can't imagine that a customer would be asked for 3 forms of ID to make a deposit/get cash back.

Re: My Credit Union

Sage04 — Sat, 30 Nov 2019 02:47:46 GMT

@kivah how do you know that everything was ok with the other computers? You have a printout so hold on to it forever even though the deposit shows up.

Re: My Credit Union

kivah — Sun, 01 Dec 2019 00:13:38 GMT

@Sage04 wrote:
@kivah how do you know that everything was ok with the other computers? You have a printout so hold on to it forever even though the deposit shows up.

There were several customers in the bank who were at the tellers' windows before me --- I saw them all leave with no problems.

Re: My Credit Union

DearPrudence — Sun, 01 Dec 2019 00:34:27 GMT

If the cash deposit was $10,000. or more, or if you have made similar deposits within the past year, yes, the transaction would be flagged to be reported to the government.

Laws were enacted to cut down on money laundering, tax evasion, drug dealers, etc.

Re: My Credit Union

CatsyCline — Sun, 01 Dec 2019 00:40:56 GMT

Even if the computers are down they can do a deposit transaction and give you a dupe receipt. I worked as a teller in the dark ages and we were offline at times. We did not inform customers that "the computers are down". We didn't want a run on the bank! We just went through the motions, gave them a dupe receipt. Same for withdrawals. We did have some passbook holders who would come in just for the interest to post on their books. this was in the days of 5 1/2% savings interest, 19,20% CDs. the manager would dust off her calculator so the customers could see what their earnings were. The 1st and 3rd of the month were a ZOO if we were down that day.

Always count your withdrawal money at the window and watch the tellers count the deposit

Re: My Credit Union

speedy girl — Sun, 01 Dec 2019 06:12:18 GMT

As long as you got a receipt, everything will be ok. You will be able to show your deposit with that receipt, if there is ever a question.