Posted on 05/30/2017 6:16:23 PM PDT by SteveH
I never use ATMs. Use a mobile device to take a picture of it. That’s all you need, and can hang on to the check if something goes wrong.
I recently deposited $300 CASH in an ATM and it took the bank a week to credit it to my account. I called the bank and they said since the ATM was not owned by them, they had to treat it that way. This was an ATM in my bank’s network.
Never use the robots. Always go in a deal with a human face to face. Check your recipe and count your money before you leave the window. It’s called old school because it works.
Stop dealing with the Bank of Italy
I would recommend going to a B of A branch, change your account to a regular account and ask them to fix the problem.
Having a regular account could still be free if you keep some minimum amount in the account, or have a paycheck or such deposited regularly electronically.
Good luck.
“I don’t use ATM machines if possible. I go in and ask the teller to act as an ATM and give me some of my money. They are pleased to talk to people one on one. “
I used to do that at BOA and the tellers would say to me “Do you have a bank card? You can do this at the ATM”.
Adios to BOA years ago.
Your first mistake was having an account at that awful bank.
This is not new. For decades tax return checks written to both husband and wife have had to go into a joint account.
Sorry. Happened to me in the nineties. Happened to my daughter this year
They still have the check. Go to the bank and ask for it back
Got my first ATM card in Seattle around 1974. It was nicknamed “TABBY” — Totally Automatic Banking By You.
43 years and I can count one malfunction — the machine gave me an extra $20 bill. I went into the bank and returned it...not so much as a smile or a “thank you.” For 20 years, I’ve wanted that 20 back.
A few times the machines have been down. Overall, the accuracy, reliability and convenience of those things is just incredible.
BoA just paid millions in fines for slamming people. Why do you bank there?
First time I got a card I fell into the same trap that I have seen many fall into, paying off the “minimum” each month because I sure needed that money for something right now. I had to discipline myself and before there was on line I made a point of going to the bank at least once a weak and transferring the balance. When I got on line I was used to that and it was always a little irritating by then to see a balance and I checked it, still do, daily, bank and card, so I just got into the habit of making that line =$0. I don’t get into trouble that way.
I had a similar situation with our bank here in Mayberry. Wife went to deposit refund check I had endorsed into her account. Inquisition starts. I said, that’s all fine, but I am standing here telling you I know about the check and I approve of depositing it into her account. End of problem, but they explained that the government forces them to be extremely cautious about depositing joint federal checks in anything other than a jointly held account.
99% chance they will clear your deposit through quickly, blame the gov’t, and KYA if you do the following:
1) Easiest: take your paperwork and your wife with you to the bank and make the same statement I made.
2) If your wife can’t attend, have her give you a signed letter that says she has seen US Treasury check #_____, dated ____ in the amount of ____ (copy attached); has endorsed it over to you; and, desires that it be deposited in your BOA account # ____ without further delay. Include her contact data, and invite them to contact her immediately if any questions or further requirements.
Attach a copy of whatever they sent you about debiting your account, including the copy of your check. Keep copies of everything.
Approach one of the business types most banks have rather than waste time with a teller. Be nice — you are frustrated, and need their help getting a deposit completed. Tell your story concisely, while presenting the letter.
I’m a BofA Retiree.
Like every Bank, they are hamstrung by the same odious Procedures and Regulations of their Competitors. The complaints made about them are made about every other big Bank out there.
My Wife also worked for them way back when. I used to laugh when were at a Party or get together and someone we didn’t know overheard us talking about Work.
If I heard “you know what BofA did to may Account?”, I heard it a hundred times. When my Wife worked for another Bank, the same story.
When the Government let Financial Service Companies like American Express get into the Banking game, things only got worse.
As far as the ATM bashing, I starting using the original “Versateller” ATM’s when they were installed at our Data Center in Los Angeles. I would guess that was over 40 Years ago. In all that time, we had ONE issue with a Deposit not Posting correctly and that was with a very old Technology Machine.
Turns out the mistake happened at our ATM Processing Center, human error. Their Procedures helped track it down and it was resolved. With today’s Image Processing System, that error would have never occurred.
As far as the OP’s issue, I have never heard of a properly endorsed Check being rejected unless there is a special requirement from the Federal Treasury requiring the Account holders to match those on an Official Check.
Of course that seems a bit extreme considering all the Illegals going down to Walmart to cash their EITC Tax “Refunds” without a problem. #;^)
My wife and I were loyal Bank of America customers for over ten years, until they tried to swindle us out of more than $2.000.
I had deposited a check from a customer for about $2.700 back in 2006. This was done at the teller inside the bank. My documentation clearly showed the full amount of my deposit, but later we discovered that BofA had only credited our account the $700.
Calling the branch manager did no good. She promised me she’d resolve the problem by the next business day, but nothing happened. Our account still showed a $700 credit, only.
I went into the branch to handle it face to face, and was told that I needed to provide further documentation to back up my claim. This, despite the fact that I showed the assistant manager their own photographic record.
I was forced to obtain a notarized copy of my customer’s personal bank records to prove that BofA had debited that exact amount from their bank account, and showing my business as the payee.
It was a complete nightmare, and caused a cascade of NSFs for us, as we’d already written checks against the full amount.
As soon as they restored the full amount to our account, and had waived the NSFs, we were gone.
“I was forced to obtain a notarized copy of my customer’s personal bank records to prove that BofA had debited that exact amount from their bank account, and showing my business as the payee.”
—
That would have tipped me right over the edge.
Outrageous treatment.
.
Not likely. No bank is going to accept a photocopy of a check. You're going to have to do this the hard way, and prove to BofA that they screwed up.
Why aren’t you capitalizing letters that should be capitalized? Is the Shift key on your keyboard broken?
I've been depositing payments from my customers to my business account, via ATMs, for two decades, and never once had a problem.
Funny enough, the one and only time I ever had a kerfuffle with a deposit, was when I walked it into the bank. Go figure.
I agree with you, Arthur. That's the only way to go.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.