I did a bank shop, used a preprinted deposit slip, and deposited cash into my account. I checked my receipt - my account number and my deposit appeared correct. The bank did "real time" banking. Got home. I always check the bank account before entering the report so I can honestly answer the question "was the transaction accurately and efficiently processed?"
This time, it was not. My cash deposit was nowhere to be found. Nowhere. I double checked my receipt against my account number. It was correct. Called the bank and they informed me I had NOT made a deposit and had nothing "pending." They also verbally verified that a cash deposit is immediately available and immediately visible online.
Yeah. I had to report that my cash deposit was missing. That was awkward! (And frustrating and concerning...and because this was a shop, the scheduler said to be quiet about it and give the bank a a chance to correct the mistake.)
Four days later, the cash deposit was still missing. Two weeks later, with proof of the deposit, I was able to get my cash back. I did it quietly at a different branch, in person, like "Hi, I was going through my receipts and maybe I am reading this wrong...but I thought I had deposited some cash into my account about two weeks ago..."
I no longer work for that company. I have no idea if the company actually reported the discrepancy to the bank or if they changed my report to say everything was done correctly. And being that it took me going to the bank, with proof of deposit, to get my cash back, I no longer have any financial transactions with that bank. If it had been a real, honest mistake, they should have caught the mistake that same day when they closed out their banking day. Unless the guy canceled the transaction and then redeposited the money into his own bank account, but even that should have raised a flag...cancelled transaction...him making deposits into his account...
In the last ten years, I have had three cash deposits go missing and one put in the wrong account (teller mistake and the cash still ended up in one of my accounts.)
Anyone else had bad banking experiences?