Tweet
So I work at a bank, a very large, well known bank to be exact. My job is to supervise the tellers to ensure that they are processing transactions correctly, which includes approving large checks and taking care of more complex transactions.
Anyone who has worked at a bank will tell you that some checks have to be held, that's just the way life is. For example, if your account has only $800 in it, and you're trying to deposit a $35,000 check, we'll more than likely hold that check. We look at things like account history and average balance to make sure we're not holding funds from someone who does this as a normal part of their banking. In short, I'm very well-trained and I know what the hell I'm doing when I put a hold on someone's check.
This is where SC comes in. He's an older man, about 50-60. His account and transaction are very similar to the one's mentioned above ($800 in his account, average balance of $1000, and a $35,000 deposit that is not normal for his account). He comes into the bank and proceeds to do a deposit with the teller (a girl who's been doing her job for over a year and is very good at it). She informs him that there may be a hold, but she'll check with a supervisor to make sure (me). I inform the customer that Teller is correct, because of the amount in the account and the fact that said check is well above his average balance, we'll have to put the check on hold to allow time for it to clear.
Cue Stupid Behavior by SC
SC: You're a moron. I've got millions of dollars with this bank and you can't hold that check.
Me: Sir, I can see all of your accounts, and none of them warrants me taking the hold off of this check. You can get a cashier's check from the maker and if we can verify that there will be no hold, or you can bring in cash. This check, however, must be held until it clears.
SC: You can't do your job. Why do they hire people like you? You're just stupid. I want to talk to your manager.
Me: Sure thing.
SC: You're damn right sure thing (because apparently me getting him a manager pissed him off too... who knows).
Manager: Sir, we need to put this check on hold because your account is new and the balance isn't high enough to warrant immediate credit.
SC: This is outrageous, I want to talk to the manager!!!
Manager: I am the manager sir, and you need to stop yelling. This is a place of business and you can't act like that.
SC: I can act however I damn well please. You people are a bunch of idiots.
Manager: Sir, you need to stop talking to my employees like that or I'm going to ask you to leave.
SC: You can't do that, I've got millions of dollars and I can act however I please (which I think is probably true in our society because we've bred the backbone right out of humanity).
Manager: You need to leave, sir. NOW!!!
SC: You can't make me. (At this point he walks into the lobby and sits down in a chair and refuses to leave until the President and CEO of our bank talks to him. We're a national bank and the CEO works in San Francisco, a few hundred miles away)
Me: Sir, we've asked you to leave. We're calling the police and I suggest you leave the bank before they get here.
SC: What time do you get off?!?!?! I wanna meet you in the parking lot (because apparently we're back in high school now...)
Me: 6:15 jackass... (I'm about 6'1", 250, and I have a concealed weapons permit... I'm not worried in the least)
SC: I'll be here!!!
To make a long story short the guy obviously never came back that night. Might be a good thing, who knows. I'm pretty sure I could have made a good case for self defense, but the jury may not have seen it that way after I reloaded and emptied another clip into him. We called corporate security and told them to close this guy's account.
Anyone who has worked at a bank will tell you that some checks have to be held, that's just the way life is. For example, if your account has only $800 in it, and you're trying to deposit a $35,000 check, we'll more than likely hold that check. We look at things like account history and average balance to make sure we're not holding funds from someone who does this as a normal part of their banking. In short, I'm very well-trained and I know what the hell I'm doing when I put a hold on someone's check.
This is where SC comes in. He's an older man, about 50-60. His account and transaction are very similar to the one's mentioned above ($800 in his account, average balance of $1000, and a $35,000 deposit that is not normal for his account). He comes into the bank and proceeds to do a deposit with the teller (a girl who's been doing her job for over a year and is very good at it). She informs him that there may be a hold, but she'll check with a supervisor to make sure (me). I inform the customer that Teller is correct, because of the amount in the account and the fact that said check is well above his average balance, we'll have to put the check on hold to allow time for it to clear.
Cue Stupid Behavior by SC
SC: You're a moron. I've got millions of dollars with this bank and you can't hold that check.
Me: Sir, I can see all of your accounts, and none of them warrants me taking the hold off of this check. You can get a cashier's check from the maker and if we can verify that there will be no hold, or you can bring in cash. This check, however, must be held until it clears.
SC: You can't do your job. Why do they hire people like you? You're just stupid. I want to talk to your manager.
Me: Sure thing.
SC: You're damn right sure thing (because apparently me getting him a manager pissed him off too... who knows).
Manager: Sir, we need to put this check on hold because your account is new and the balance isn't high enough to warrant immediate credit.
SC: This is outrageous, I want to talk to the manager!!!
Manager: I am the manager sir, and you need to stop yelling. This is a place of business and you can't act like that.
SC: I can act however I damn well please. You people are a bunch of idiots.
Manager: Sir, you need to stop talking to my employees like that or I'm going to ask you to leave.
SC: You can't do that, I've got millions of dollars and I can act however I please (which I think is probably true in our society because we've bred the backbone right out of humanity).
Manager: You need to leave, sir. NOW!!!
SC: You can't make me. (At this point he walks into the lobby and sits down in a chair and refuses to leave until the President and CEO of our bank talks to him. We're a national bank and the CEO works in San Francisco, a few hundred miles away)
Me: Sir, we've asked you to leave. We're calling the police and I suggest you leave the bank before they get here.
SC: What time do you get off?!?!?! I wanna meet you in the parking lot (because apparently we're back in high school now...)
Me: 6:15 jackass... (I'm about 6'1", 250, and I have a concealed weapons permit... I'm not worried in the least)
SC: I'll be here!!!
To make a long story short the guy obviously never came back that night. Might be a good thing, who knows. I'm pretty sure I could have made a good case for self defense, but the jury may not have seen it that way after I reloaded and emptied another clip into him. We called corporate security and told them to close this guy's account.
)
Comment