The drive-thru at my bank opens an hour earlier than the lobby. During that time, a man came though the drive to cash a check. The teller explained that, since he didn't have an account with us any more, we couldn't cash the check. But if he wanted to open a new account, we could.
This was during our Friday morning meeting, so we all saw this customer come though. The branch manager mentioned that we had had trouble with his account before he closed it. The teller who helped him said that she didn't think he had a driver's license.
So he comes to my desk after the lobby opens, and I explain that since he no longer has an account with us, we have to treat him as a new customer. I need two forms of ID, and one has to be a photo ID. I also explain that we pull credit reports for all new customers. He pats his pockets and says he doesn't have his ID with him. He gets up and leaves before I can say anything else. I figure he won't be back.
But he does come back, after only a few minutes. He has a state ID (clearly marked "NOT A DRIVER'S LICENSE") and his birth certificate. I explain the process of pulling his credit report and tell him that there will be a 9-day hold on the funds, since he's a new customer. "Well! Forget that!" He grabs his ID and storms out the door.
FOLLOW UP: He must have gone out for coffee and complained to a buddy, because less than half an hour later, one of our local retired fellows brings the check down to the bank and deposits it into his checking account, then withdraws the same amount of funds to give not-a-drivers-license guy. The teller explains that, if the check is returned for any reason, we'll have to take the funds back out of his checking account. IOW, he's taking the liability instead of the bank.
This was during our Friday morning meeting, so we all saw this customer come though. The branch manager mentioned that we had had trouble with his account before he closed it. The teller who helped him said that she didn't think he had a driver's license.
So he comes to my desk after the lobby opens, and I explain that since he no longer has an account with us, we have to treat him as a new customer. I need two forms of ID, and one has to be a photo ID. I also explain that we pull credit reports for all new customers. He pats his pockets and says he doesn't have his ID with him. He gets up and leaves before I can say anything else. I figure he won't be back.
But he does come back, after only a few minutes. He has a state ID (clearly marked "NOT A DRIVER'S LICENSE") and his birth certificate. I explain the process of pulling his credit report and tell him that there will be a 9-day hold on the funds, since he's a new customer. "Well! Forget that!" He grabs his ID and storms out the door.
FOLLOW UP: He must have gone out for coffee and complained to a buddy, because less than half an hour later, one of our local retired fellows brings the check down to the bank and deposits it into his checking account, then withdraws the same amount of funds to give not-a-drivers-license guy. The teller explains that, if the check is returned for any reason, we'll have to take the funds back out of his checking account. IOW, he's taking the liability instead of the bank.
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