Check The Check: It’s In The Name!

(I work for a competing bank, yet leave my accounts at my old credit union for convenience. I do everything online or at the ATM and have visited a branch maybe once or twice. I have just received a fairly large check (over $10k) from my insurance company for my totaled car, and figure that depositing it in person would be the best option. I visit a branch I’ve never been to and walk up to the teller.)

Me: “Hi! I just need to deposit this today. If you need to put a hold on it, that’s totally fine, too. I don’t need it right away.”

Teller: “Oh, no, we won’t need to do that! I’ll just put that in your account right now.”

Me: “Do you need my ID? That’s a large check.”

Teller: “Not at all! I know you.”

Me: “No, you don’t.”

Teller: “Well, of course I do!”

Me: “I’ve never been to this branch. I do everything online.”

Teller: “It’s okay. I see you work for [Competitor]. You’re fine!”

Me: “Please, just check my ID…”

(The first thing I did when I got home was to log on to my online banking to make sure the check actually went into my account. Thankfully, it did!)