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confused

Posted Thu August 6, 2009 6:40 am, by Patricia P. written to Bank of America

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On aug 2 I gave my daughter a check written to me with a deposit slip for my checking account, since she is on the road for work she stopped at the bank on main and cayuga. She made the deposit and they refused to give her the receipt, saying they would mail it because she was not the account holder, as of the 5th I still have not received the receipt have no idea if the money is in my account. Mind you there was no cash involved, just a deposit made and a receipt should have been given. She was told this is a bank of america policy.I am not comfortable not receiving the receipt and does that mean, I must only do my own deposits

I would clearly like to know their policy, since this never happened before and I think an apology is in order for the inconvienence. I also think customer service needs to be made easily available I am using this service because I have been all over bank of americas sites looking for their email


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by Jo23 Posted Fri August 7, 2009 @ 12:53 AM

I don't understand why they wouldn't give your daughter the receipt.
I've been with BofA for over 10 years and whenever I make a deposit
the receipt only shows the amount of the deposit that I just made. It
never shows my balance. If I ask for my balance they have to print a
seperate receipt at which time they will ask for ID. Additionally I
have sent my brother in another state deposit slips for my checking
account to make deposits in there to pay off a debt and when he makes
these deposits they provide him with a receipt for it. Anyone should
be able to make a deposit into your account and they should be given
proof of it.

Reply


It's not about the balance by MA Cunningham Fri August 7, 2009 @ 11:31 AM

by Teresa B. Posted Thu August 6, 2009 @ 11:47 PM

My bank (USAA) will not give out a reciept either, if I am not the one
making the deposit and I LIKE it. Sometimes I am uot of town and have
to have my CS checks deposited and I get a neighbor to do it for me,
its none of thier business what is or (more likely) what isnt in my
account.

You can log onto BofA and see your account or you can call and request
a bank statement sent to you.

Reply

by Nate. Posted Thu August 6, 2009 @ 8:54 PM

It may take more than 3 days for the receipt to come in the mail...
This is likely a security policy as others have stated. I also agree
you should phone them.

Reply


by fairywithfangs Posted Thu August 6, 2009 @ 4:53 PM

It is a issue of security and it is common at many banks. My mom has
been nice enough to make deposits for me, they will give a reciept,
but not the balance, this makes sense to me...why would you want
someone to have your account balance, especially since they already
have your bank info. You know they are family and trusted, but the
bank doesn't. Think about it...a stranger or someone non-trustworthy
now has your bank info...then they have your balance, and think of
what they could do with that.

If you are concerned about the deposit...simply call the bank. If
there are problems with the deposit the bank can easily track what
happened that day, but the sooner you do it the better. I know at BOA
no reciept will be given to a non account holder, but others are
different.

Reply

I guess by April S. Mon August 10, 2009 @ 4:25 PM

by PepperElf Posted Thu August 6, 2009 @ 4:15 PM

Come to think of it...

Mom use to make deposits and withdrawals from my BOA account. I don't
remember if she had a receipt given to her or not.

However in my case I had given her a General power of attorney, and a
Special POA specifically for the bank (in case they questioned the
General POA)


I would recommend going online to
http://www.bankofamerica.com/onlinebanking/

the transaction should be there, even if it's just pending.


if not you can always call them up
http://www.bankofamerica.com/contact/?statecheck=NY&page=


Or just drive to the local branch. There's a good handful of
locations in Buffalo.

Reply
by Just Jeffrey Posted Thu August 6, 2009 @ 1:08 PM

This makes me realize that there is a security issue at MY bank.

I usually make deposits by ATM. But, on occasion, I've gone in and
used a teller.

I hand them the check(s) and deposit slip. They never ask for ID and
anything. They then hand me back a receipt.

How do they know I'm authorized to make a deposit into the account?
And, as this letter points out, get a receipt (with my full balance on
it)?

Reply


oy that is a valid concern by PepperElf Sat August 8, 2009 @ 10:24 AM


by ST Posted Thu August 6, 2009 @ 1:05 PM

If you gave the check to her on August 2, that was a Sunday. She
would have deposited it on Monday, the 3rd. It takes more time than
that for them to get the receipt ready to mail, plus you need to allow
time for the postal service to actually deliver it to you.

As others have suggested, online banking, or a telephone call would
tell you immediately if the deposit had posted.

Reply

by RedheadwGlasses Posted Thu August 6, 2009 @ 12:46 PM

I have made deposits for a friend before, and the bank would give me a
receipt that showed I had made the deposit, but the receipt didn't
show the new balance in her account. Your bank should have the same
capability.

Reply

by RowdyRetailer Posted Thu August 6, 2009 @ 12:38 PM

Stick with community banks, they are much more people friendly and
often have better rates than the big boys


Good Day

Reply


by rxgirl Posted Thu August 6, 2009 @ 10:47 AM

sign up for on-line banking at www.bankofamerica.com. In my opinion
they have a great on-line system that is very user friendly. You can
manage all accounts (checking, savings, credit card, etc) from one
screen. They usually show deposits made but in pending status, with a
pending balance.

I get your point, but I also completely understand Bank of America's
position. It is a catch 22, potentially a customer could be upset
either way.

Reply


Also by rxgirl Thu August 6, 2009 @ 11:11 AM


They can provide by Donno Thu August 6, 2009 @ 12:49 PM

by Donno Posted Thu August 6, 2009 @ 8:56 AM

It sounds like most definitely a privacy issue. It used to be, you
were given a receipt, but not one that showed any balance information.
They may have made the policy stricter at BoA.

I used to make regular deposits at BoA for my mom, before I got on her
account, and I always received a receipt with a full account number on
it.

BoA customer service totally sucks, in my opinion. That is reflected
in your experience. Another poster suggested calling the bank. You
have to jump through hoops just for that, since they make you call the
800 number first, and wade through ridiculous a menu system. If you
are lucky, and divine all the right choices, you may actually speak
with someone.

Maybe your daughter can get the telephone number while at the bank.

Reply


you can call the local branch by fairywithfangs Thu August 6, 2009 @ 4:54 PM

by PepperElf Posted Thu August 6, 2009 @ 6:51 AM

they might be able to tell you

Reply




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