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Kind People Don’t Have System Errors

, , , , , , , | Hopeless | December 16, 2018

I’ve been going through a bit of a rough time lately and living from paycheck to paycheck. The day I get paid, I can’t sleep, and I head to the ATM at 4:30 am leaving my partner at home with our two kids.

Since I’m with a bank that has recently shut most of their branches, I have to use a different bank. The ATM gives my card back without the cash before displaying a system error. I check my online banking to find it has taken the money from my account but not actually given me the cash.

I call my bank to find out I have to go into a branch to dispute it and it will take up to two weeks. By the time the bank opens, I’m a complete mess, I have two kids that need nappies and formula, we have no food in the house, both my partner and I need medication, and we have rent to pay.

The first employee fills out a dispute transaction form and then tells me there’s nothing else they can do as I’m receiving government benefits — which actually is this bank’s policy on overdrafts. She then gets the branch manager. The manager spends over an hour on the phone but reassures me that if they can’t sort it out today, she will give me $100 out of her own account to make sure we at least have the basics until it’s sorted out or until my partner gets paid in a few days.

In the end, she manages to get an overdraft for the full amount I am due. I truly believe she would have given me the money from her own account, too. Before I leave she gives me a hug.

To the manager of the branch of a small, out-of-state bank in Melbourne City, if you’re reading this, thank you for going above and beyond for a very stressed-out, crying woman. Your kindness and understanding are amazing.