The fact that BAC has no regard for its customers became obvious when I was faced with an unhelpful teller at the Gainesville, VA branch. I went in to complain to the manager, who was equally unhelpful. I would have complained about the manager (a young boy named Jonathan) to BAC, but BAC conveniently has no customer service contacts on their website.
All we wanted to do was deposit 3 checks for $89 and get cash out. The checks were in my name and endorsed on the back by me. My wife tried to cash them using a deposit slip (we have a joint account) and her ID.
The teller insisted that I needed to show my ID (which I didn't have) for them to cash the checks. My understanding is that endorsed checks are bearer instruments (i.e., whoever has them owns them) unless they are endorsed to someone specific. In any case, we had money in the account so if my wife had signed the deposit slip, all they would be doing would be combining a deposit and withdrawal on the same piece of paper. I asked the manager what sense it made to not give us the money using the deposit slip if we could get the money by filling out a separate withdrawal slip. He really couldn't explain but suggested that we use the ATM to deposit the checks and get money. We ended up doing this, so a dumb machine could do what two paid human beings couldn't! I think BAC needs to follow RedBox and BlockBuster's examples and close shop and just set up automated branches in front of 7-11's! The customer service is likely to improve!
It is sad to see how far the banking industry has fallen (especially the large banks). Walmart or 7-11 would have cashed my checks, but a bank that I have extensive financial ties with, wouldn't!
It is sad to see how far the banking industry has fallen (especially the large banks). Walmart or 7-11 would have cashed my checks, but a bank that I have extensive financial ties to wouldn't!
Product or Service Mentioned: Bank Of America Banking Service.