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What’s A Little Lack Of Security Between “Friends”?

, , , , , | Working | May 25, 2022

I’m depositing a large check into my account. I do all my banking online through the bank’s app. However, the mobile deposit function won’t take my check due to the amount, so I go into a physical branch. I’ve never been to this particular location. Please note that I worked in a bank right out of college, so I have some knowledge of holds and funds availability regulations.

Teller: “What can I help you with today?”

Me: “Just a deposit, please. And I understand that you will need to put a hold on the funds. No worries. I can wait seven business days to spend it.”

I hand over the check and deposit slip.

Me: “Oh, shoot. You’ll want my ID. Hang on.”

I dig through my purse, pull it out, and attempt to hand it to the teller. She waves me off and starts typing.

Teller: “No need. I know you.”

Me: “You do?”

Teller: “Sure I do. You’re in here all the time.”

Me: “No, I’m not.”

Teller: “Of course you are. Since I know you, I don’t need your ID, and we won’t put a hold on the check.”

Me: “Okay, hold on. I opened this account online and do my banking through the app. I’ve never seen you, and you’ve never seen me. I am asking you to check my ID and verify that this money is actually going into my account.”

Teller: “But we know you!”

Me: “No, you don’t. CHECK MY ID.”

The teller takes my ID with an eye-roll, glances at it, and hands it back.

Teller: “All set. Here’s your receipt.”

She hands me the receipt.

Me: “Does this show up in online banking immediately?”

Teller: “Yes.”

Me: “Great. Let me check that before I leave.”

I pulled up the app on my phone, and surprisingly, the money had actually made it into my account. I didn’t go back to that branch.

Check The Checks But Cash The Cash!

, , , , | Right | May 23, 2022

I’m a bank teller. The local school district banks at our location, and they always have large amounts of checks to drop off for deposit. One such deposit has just arrived. The lady dropping it off has her child with her, who is asking for candy. I turn around, grab our candy basket, and hold it out to the kid. The kid grabs a lollipop, and they go on their way.

I get to work, totaling up the deposit, and realize that it’s off by several hundred dollars. I add up the checks two more times and get the same amount each time. The branch manager is walking by as I’m trying to figure it out.

Manager: “Need my help?”

Me: “Yes, please. The deposit is off [amount] and I’m stuck. I’ve added the checks up three times.”

She comes behind the line and adds them up. She frowns, picks up the deposit slip, and studies it.

Manager: “Okay, so the check total is correct. Wait! I think I found it. Was there any cash with this deposit?”

Me: “No, just checks.”

Manager: “They have [amount over $500] in cash noted on this deposit.”

I grab the deposit slip and stare at it. Sure enough, in tiny print, it’s indicated on the “cash” line.

Me: “All she gave me was a pile of checks. No cash.”

Manager: “You’re sure?”

Me: “Yes.”

Manager: “Hmm. I’m gonna do some digging. Don’t panic.”

She heads back to her desk. Meanwhile, I am panicking, because missing that much cash is a fireable offense. Several minutes later, she calls me over. She looks furious.

Manager: “I need you to watch this and tell me exactly what you see.”

She pulls up the camera feed from my station. In the video, the school district representative takes out a pile of cash and a pile of checks but only hands me the checks. She sets the cash on the counter. When I turn away to grab the candy basket, she sweeps the cash back into her purse.

Manager: “Well?”

Me: “Looks like that cash sprouted legs.”

Manager: “Have a seat. I emailed [Fraud Department Manager] and now I’m going to call the district office.”

She puts the phone on speaker and dials the person in charge of bank deposits.

Manager: “Yes, hi. My name is [Manager] and I’m the manager of [Branch]. It looks like your deposit is missing the cash portion today. I was wondering if maybe your representative forgot to give it to my teller.”

District: “Nope, she came back with an empty bank bag. Maybe you should check your teller.”

Excuse me?! I open my mouth to say something, but she holds up a hand.

Manager: “Here’s the deal. I reviewed the security footage and it looks like a stack of cash vanished into your rep’s purse when my teller turned around. Our fraud department is aware and ready to speak to you if there’s any doubt.”

Silence on the line.

Manager: “Or would you prefer [City] police?”

District: “That’s not necessary. She’ll be back within the hour.”

They hang up.

Manager: “Mind if I join you behind the teller line?”

About fifteen minutes later, the representative from earlier breezes back in with a huge smile on her face. She comes to my window and plops the cash on the counter. The manager appears behind me with her arms folded and a ferocious scowl.

Representative: “Hi! Silly me, can’t believe I missed this!”

Me: “I saw the security footage.”

Representative: “Um… well, you see—”

Me: “Nope. You tried to pin this on me. There’s no excuse.”

She turns bright red.

Representative: “Can I go now?”

Me: “No. I’d like you to wait until I count this.”

Manager: “And then I’m going to have our vault teller verify it. We’d hate for any to go missing.”

Representative: *Mumbles* “That’s fair.”

It is correct, and the representative shuffles out. The branch manager nods in satisfaction.

Manager: “Not at my branch, lady.”

Maybe She Really Needed The Restroom?

, , , , , , , | Working | May 20, 2022

I receive a text to inform me I’ve got an updated debit card on the way. I had thought all my cards were up to date, so I call the bank to make sure everything is okay.

I’ve got a two-word surname; imagine my name is Claire Jones Smith, where “Jones Smith” is my surname — two words, not hyphenated.

This is slightly annoying, as some computer systems shove the “Jones” to the middle name field, leaving my surname, according to some companies, as just “Smith”.

I’m used to this, and I understand it’s not the fault of the representative if they can’t find me on the first try. This lady, on the other hand…

Me: “Hi. I got a text about a replacement debit card. I wanted to know what account it was for.”

Representative: “Okay, no problem. What’s your name?”

Me: “Claire Jones Smith.”

Representative: “Date of birth?”

Me: “[Birthdate].”

Representative: “Huh, not finding anything. So, that’s—”

She spells out my name phonetically.

Me: “Yes, but if you can’t find it under Jones Smith, try just Smith as sometimes Jones is pushed to the middle name field.”

Representative: “I’m not finding it under Jones Smith. I won’t be able to continue this call.”

Me: “Again, try just Smith, and—”

Representative: “You’re going to have to go to the branch and fix it.”

Me: “I already have. I’ve verified my ID with them. Now, if you just search Smith—”

Representative: “You’re going to have to go to the branch. I can’t fix it from here.”

Me: “Yeah, that’s okay, I just wanted to know about this text—”

Representative: “You’re going to have to go to the branch.”

Me: “Yeah, I’m not worried about the name. I just want to find out—”

Representative: “I can’t continue this call.”

Me: “Okay, yeah. Can I have a manager?”

Representative: “I can’t continue this call.”

Me: “Manager.”

Representative: “You’re going to have to go to the branch.”

Me: “Manager!”

And then she hung up on me.

I called in again, talked to a manager, and explained the situation. He went off, listened to the call, and very, very apologetically said something like, “I don’t know what her problem was. I found you in the system right away.”

Creepers Of The Corn

, , , | Right | May 19, 2022

I’m a born and raised city girl. The bank branch I’m working at is in the middle of the country. One day, a customer walks in with two buckets, drops them on our floor, and announces:

Customer #1: “FREE CORN!”

My supervisor and coworker come running out and start picking these GIANT ears of corn out of one of the buckets. I stare at both in confusion.

Customer #1: *Gestures to me* “Are you new?”

Me: “I just transferred out here from [City].”

Customer #1: “Oh! Then you don’t know. During harvest season, I usually have extra sweet corn. I like to bring it to some of the businesses around town. You’d better grab some before these two take it all.”

My supervisor laughs.

Boss: “Guilty! Seriously, [My Name], it’s good. You’d better take some.”

I pick out a few ears, take them home, and eat them with my dinner. They are REALLY good — no missing kernels, no bugs. A few days later, [Customer #1] is in the branch, making a deposit. [Customer #2] walks in.

Customer #1: “So, what did you ladies think of the corn?”

Me: “It was fantastic.”

Coworker: “Great as always!”

Customer #1: “Glad to hear it! If I have any more extras, I’ll bring them over.”

[Customer #2] comes to my desk. He’s a regular and a little creepy.

Customer #2: “You like sweet corn?”

Coworker: “Sure! We love it.”

Customer #2: “My nephew grows it, too, and I’m sure he’d be happy to send some to a pretty girl.”

He’s still staring at me.

Me: “I’m sure we’d all enjoy it.”

Coworker: “That’s right, we would.”

Customer #2: “I’ll bring it over later.”

He does just that. It’s not as pretty as [Customer #1]’s, but we still take some to be polite. I take it home and start shucking it. Out pop several large and LIVE winged bugs. I shriek and launch it into the trash. I douse the area in cleaner, double-bag the garbage bag, and take the bag outside. The next day, [Customer #2] returns.

Customer #2: “So, what did you think of my nephew’s corn?”

Coworker: “I haven’t tried it yet.”

I pretend to be very engrossed in my computer. Unfortunately…

Customer #2: “And what did you think, [My Name]?”

Me: “Uh… well, I had to throw it out. There were large bugs in mine.”

Customer #2: “Oh, that’s normal. Little extra protein. My nephew doesn’t use pesticides. That’s organic corn. I thought you prissy city girls liked that kind of stuff.”

Me: “City girls don’t like large winged bugs flying out of their food.”

[Customer #2] huffs and walks out.

Coworker: “…live bugs?”

Me: “Yep.”

Coworker: “I’m not eating that.”

This Is Why We’re In A Recession, Part 109

, , , , | Right | May 16, 2022

A group of women comes into the bank. Our branch is in a high-end shopping street, so it’s not uncommon to see customers with multiple shopping bags like these women have. One of them approaches me at the teller desk.

Customer: “I need a new one of these.”

She tosses a credit card at me.

Me: “Is this one defective? Have you been security compromised?”

Customer: “No, it’s just empty.”

Me: “Empty?”

Customer: “Yes! Empty! I need it refilled.”

Me: “Oh, you want to make a credit payment?”

Customer: “Whatever you call it. I spent it all, so I need a top-up.”

Me: “How will you be paying off your balance today?”

Customer: “Paying off? No, honey, you don’t understand. I… spent all the money… on this card. I need you… to refill it… for me.”

Me: “Ma’am, that’s not how credit cards work. You have to pay off the balance before you spend it.”

Customer: “What do you mean?!”

Me: “It’s like a loan. We’re not just giving you money.”

The customer looks like her world has just been torn apart. Even more terrifyingly, so do all the other women she came in with. She turns to them.

Customer: “Did any of you know about this?!”

All blank stares.

Customer: “Do our husbands know?!”

I… really couldn’t help them that day.

Related:
This Is Why We’re In A Recession, Part 108
This Is Why We’re In A Recession, Part 107
This Is Why We’re In A Recession, Part 106
This Is Why We’re In A Recession, Part 105
This Is Why We’re In A Recession, Part 104