Kina (kiss_katrina) wrote in bad_service,

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bank business

It's a Friday, so there was a fair bit of a line of people cashing their checks. I knew I would have to wait, and I was perfectly fine with that. I waited patiently, watching the TV monitor as it scrolls some news. They have two out of four windows open, as the other tellers are probably on lunch breaks. No problem, the line isn't that long, and I'm not in a hurry. Nobody else has complained/groaned loudly/whatever. When I get to the front of the line, ODTT opens a new window.

ODTT: Overworked drive-thru teller
ROT: Random other teller
BET: Busy experienced teller

ODTT calls me over to the newly opened window, and I explain that I have multiple transactions that I need to do. I tell her I would like a $500 cashier's check first, then I need to deposit part of a paycheck. She says okay, asks who to make the cashier's check out to, and takes my paycheck and deposit slip to the back with her.

Now, I have a weird quirk of always keeping my checking account rounded to an even $20. I don't my debit card anymore, really. Anyway, I didn't know how much the fee for the cashier's check would be, so I didn't finish filling out my deposit slip -- once I knew, then I intended to deposit the proper amount to keep the account at a rounded $20. Therefore, I did not fill out the "cash received" and "total deposited" lines of the form. I would do that after I knew how much I needed to deposit... which is exactly why I told her I wanted to do that part AFTER the cashier's check.

While I'm waiting, ROT comes back from lunch or wherever and proceeds to get back on her computer at the window I'm at. She gives me a weird look (a perfectly legit. why the hell are you at my window when it was closed?) and asks if someone was helping me. I said yes, and she went in the back for something. ROT tells me to go to the other closed window and wait there.

ODTT comes back with cashier's check in hand, and has already deposited my paycheck.

Me: Ummm, I didn't want all of it deposited -- I wanted some cash back. I like to keep my account even, so once I knew what the fee for the cashier's check would be, I was going to put that much in.
ODTT: I guess I can cancel it, but you didn't WRITE that on here.
Me: I know, I didn't fill out the bottom "total deposited" yet because I didn't know how much the fee would be.
ODTT: It's $6.
Me: Okay. (does quick math to balance it, knowing I had an ATM fee to count in also, writes it on deposit slip)
ODTT: *BET*, can you help her with this? I just came up from the drive-thru for a minute, and I don't have time for this.
BET: I'm with someone right now.
ODTT: ...What name did you want on this, again?
Me: *tells, spells the last name while she writes it down, then disappears into the back again with the cashier's check*

While she's gone, I decide I'll just do a separate withdrawal to balance the account, instead of having her cancel/reverse the previous transaction. That SHOULD be easier, right? She returns, I tell her she doesn't have to cancel the original deposit, I'll just do a separate withdrawal. She tells BET to help me again, BET says she'll help me after the guy she's working on. ODTT then says she forgot to charge the fee on my account, but BET can try to fix it, then runs off.

After a couple minutes, BET wraps up with the other guy. I get up to her, show her the cashier's check and tell her that ODTT didn't charge me the fee for it yet. She grabs my paycheck and says I can't do a cashier's check out of it. (Duh, the cashier's check was for $500 and the paycheck was only $400!) Before I can respond, she asks how I intend to pay for this cashier's check. ...I explain that I have an account with this bank and there is more than enough money in my account to cover it. She flips the paycheck over for my account number, punches it in, checks her computer, says the $500 has already been withdrawn, and shoves the cashier's check back at me, saying she doesn't need it. I explained that ODTT hadn't charged me the fee for it.

BET: "I don't care about the fee!"

...Okay, excuse me for being honest. I then showed her my deposit slip for the paycheck and asked if she could see if it was deposited yet. She pointed to the number stamped on the bottom and said yes, of course it has. I mentioned that I had not gotten a receipt for it, so I was unsure.

BET: "Well, she kept your check, didn't she?"
Me: "No, she gave it back to me. It's right here." (gestures to check on counter between us)

BET then snatches the check and the deposit slip, angrilly prints a little receipt for me, and tosses both in a pile with other papers. Then, finally, I got a withdrawal slip and withdrew the amount I had calculated. She was very curt with me for the rest of the transaction, but I thanked her and apologized for being complicated. Her reply?


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