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And who are you??

February 12th, 2008 at 09:49 pm

I seem to do a lot of banking and I bank with several different banks.
I have bragged about my main bank cause for over a year they have paid 5.25% on money market funds.
I have banked with this particular bank for over 12 years and until 2 weeks ago, I had over 300K in there. They dropped their rate to 2.9% so I moved 200K to a c.d. at another bank.
Well, yesterday, I had 3 transactions to make; cash a check, make a deposit to one of the money markets and make a large deposit to my business account.

I approached the teller with my transactions in hand. After I handed them over, he said, "May I see your ID??
Huh?? I was shocked.
Do I look like a thief or something? A check forger? A bank embezzler?

I guess he was just doing his job!

Posted in Uncategorized | 15 Comments »

15 Responses to “And who are you??”

  1. zenith Says:
    February 12th, 2008 at 10:05 pm 1202853949
    1202853949

    No respect!

  2. Aleta Says:
    February 12th, 2008 at 10:14 pm 1202854446
    1202854446

    Sounds like it's time to take your money out of there. My bank knows me by my first name. Go to the President or Branch Manager and tell them why you are taking your money out of their bank. First of all, they don't appreciate loyalty and number 2, their rates aren't worth staying there.

    There are alot of banks that will give you free checks. They would love your business.

  3. terri77 Says:
    February 12th, 2008 at 10:34 pm 1202855651
    1202855651

    I think you're right. He was just doing his job. I've never been to a bank that didn't ask for ID and they should.

  4. nance Says:
    February 12th, 2008 at 10:36 pm 1202855771
    1202855771

    Was he a new teller? He was probably told that he has to check ID. I'd go where the rates are higher, but I wouldn't leave because a teller asked me for ID

  5. disneysteve Says:
    February 12th, 2008 at 10:37 pm 1202855847
    1202855847

    The teller should absolutely demand ID when cashing a check or making a withdrawal. I wouldn't see anything odd about that at all. And it certainly wouldn't make me take my money out of the bank. If anything, I'd be glad to know they take proper security measures to prevent fraud.

  6. JanH Says:
    February 12th, 2008 at 11:51 pm 1202860294
    1202860294

    My DD and I went to a different branch of the bank she was using at the time and gave them a number to close an account. They never asked for an ID to see who she was and if the money was hers! I appreciate that my local bank knows who I am, but if there is someone I haven't seen there before, I don't mind if they ask for ID. Also, I sometimes wonder if a new policy is in place and the "eyes" in the bank are watching to see if they do it. I can understand you being shocked since you've been there so long and a good customer, but it might just be one of those days. I do understand moving your money to a better rate. You have to take care of yourself, too! I'm considering some other banks for some of my money, too. My bank's rates are a bit lower than a couple of others right now. I might move a little of it to capture some better returns.

  7. mom-from-missouri Says:
    February 13th, 2008 at 12:10 am 1202861445
    1202861445

    I wish someone had done that when my stepdaughter cashed forged checks and credit card cash advances and such off my DH account to almost $18,000. Not one bank or retail shop asked for her ID. NOT ONE. And, to top it off her name was not even on the checks or credit cards. She was signing her fathers name. A female, 17 years old, signing a mans name and not one person questioned it. And, his DOB was on the checks also--Didn't anyone notice she was a 17 year old female and not a late 40's male???

    Its in your best interest that they do. That is your money they are protecting.

    My sister n law works at the bank we bank at. Sometimes she is at this branch, and she even asks to see my ID. It is now their practice to write our DL number on a check when it is cashed. The first time they asked for it, I questioned why. But, as the mother of 2 sets of twins, and since the above mentioned has ripped off her twin more than once, it would have stopped her.

  8. reflectionite Says:
    February 13th, 2008 at 12:25 am 1202862359
    1202862359

    I am sure that you would rather them ask you for your id than have them cash a large check and make a deposit to a money market to someone else that looked remarkably like you.

  9. baselle Says:
    February 13th, 2008 at 04:15 am 1202876125
    1202876125

    Just one of those things I expect in the big city. I expect a bit of security with a little bit of courtesy. At least his first word was "May".

  10. Thrifty Ray Says:
    February 13th, 2008 at 04:57 am 1202878620
    1202878620

    Julie, I actually started a fraud team in our state for credit union, banks, law enforcement and senior services. I saw too many instances where our great tellers accepted transactions on our long term customers accounts...only to later realize that someone was just using the account to get more drug money. Our fraud team spends a great amount of time educating our community about how easy it is for someone to steal your mail (bank statements) and take over your accounts UNLESS A VERY WISE TELLER ASKS A SIMPLE QUESTION, which is to see your ID.

    NO, you do not look like a criminal...but then again, neither do many of those bad people who want access to your accounts. They can be very convincing and will do whatever it takes to be successful...

    Yes, the teller may recognize you...but if they arent 100% sure--wouldnt you prefer they ask so that your money is 100% safe?

    I ALWAYS thank anyone who asks to see ID...I would much rather spend 30 seconds having them double check...than 30 days, weeks or months undoing what happened because they didnt.

    On behalf of tellers, checkers and clerks everywhere, please rethink being upset at being asked to see ID...they truly are just trying to protect the money you have worked so hard to get...they DO NOT mean any disservice.

    Move your money because of added security?? absolutely not...rather thank them for adding that layer of protection to your hard earned assets..

    It is a new day and age...the bad guys want your money and are getting more and more creative on how to get it...THANK anyone who takes a little extra care of it for you.

    Ok, off my soapbox....

  11. helpmefriend Says:
    February 13th, 2008 at 03:08 pm 1202915328
    1202915328

    Have you ever been to a bar, or ordered a drink at a concert or other public event? Do you get mad when they "card" you? He really was just doing his job, or maybe saw that you have thousands and thousands and wanted to make sure it was you. Either way, no one was hurt in the transaction that took place.

  12. Ima saver Says:
    February 13th, 2008 at 03:44 pm 1202917467
    1202917467

    Oh, I did not get mad or upset at all. I was just a bit shocked because I am there three times a week. Actually, I was glad that they asked for my ID. I got thru the drive in at least one day a week and they never ask when I cash a check. What gets me, is sometimes they can't even see me (other cars in front my my low car) and they send the money anyway.

  13. Nancy Says:
    February 16th, 2008 at 08:31 am 1203150706
    1203150706

    I always offer my ID when making a transaction. I assume they will ask for it anyway.

    It doesn't bother me.

  14. Delores Melon Says:
    February 16th, 2008 at 06:48 pm 1203187726
    1203187726

    I can't believe someone would suggest you move your money because the teller was doing his job. Just because you've had a relationship with that bank doesn't mean new guy knows you.
    What he does know is that he was instructed to obtain ID as a part of his employment.
    A bank that actually verifies is a bank that is protecting your money. Not a good idea to leave. lol

  15. reflectionite Says:
    February 17th, 2008 at 02:28 am 1203215321
    1203215321

    i started to write a comment about this, but then it turned too long and i decided to put it into a post on my blog. it is the entry titled "i'm sorry, and i don't mean to be rude, but..."

    and it's true, i don't mean to be rude.

    i just want people to understand from another perspective. and yes, i understand that most people have worked in customer service, but it may have been some years since that has been the case, so i just want to remind you what it feels like sometimes...

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