r/TalesFromYourBank

Hi Everyone, my wife is currently a branch manager and recently her bank is requiring her to show up to the branch when the alarm goes off anytime during off hours. I am not in the banking industry, however, I have never heard of this and see so many things wrong with it safety being the primary. Her branch is also roughly 45 minutes away and we have a toddler. I was under the assumption that banks have a dedicated security team for this.

What do you guys think and what has been your experience with this? Thanks!

I am currently working as BOA with edward jone .previously worked as a relationship banker just 6 months.. i applied for 30 hr associate at Chase .. Should I take this offer? Or let it go .. Coz recruiter clearly told me that this role will be part time but you can always apply for full time roles.. I want to build my career in banking my current role is very boring and very slow... how soon can you apply for full time at chase ?.... PLease Advice..i am really confused

The bank I used to work at gave out guaranteed approval credit cards as an employee perk. I thought that was neat so I got one and used it responsibly, I never charging it up more than a few hundred dollars.

At the end of a month, I went in to pay my credit card off and learned that my balance was a CREDIT of $2300.​​​​​​​​​ I thought the teller was making a mistake but she printed up my statement balance and lo and behold, someone had paid $2500 on my card.

I of course immediately let them know that someone had paid my card in error and wanted the issue taken care of. The banker told me they would submit a claim, but a week went by in the credit was still there. I went in and learned that that Banker was fired the next day, so I escalated the issue to the branch manager, who said she would look into it.

At this point two more weeks had gone by, and I still had a multi-thousand dollar credit on my credit card , so I called the back office and got handed around until I found out what was going on. Apparently a customer had come into the branch and paid their card off in cash. The teller had (I assume) hand typed the card number into the system and been off by a couple digits. She did not follow policy and make the customer fill out a payment slip, nor did she fill one out herself or​ have the customer swipe their debit card. At this point enough time had passed that there was no security footage of this person retained and essentially no evidence of who the hell this even was. ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

The lady told me not to touch it and to just wait until another customer filled out a claim asking what had happened to their $2500 payment. At this point I stopped using that card and waited.

That was 7 years ago. The card has since closed due to dormancy, and now my state has a check in their unclaimed properties division made out to me for $2,300.

Seriously, at this point do I just file an unclaimed property claim and take the money? I reached out to the bank again and because the card went dormant and I don't have any other business with them, they don't even know who the hell I am and they seem to have no record of the claim from 7 years ago.

TLDR: somebody paid thousands of dollars on my credit card by mistake at a branch, leaving me with a significant credit. Everyone involved in fixing it has been completely incompetent and it's been sitting 7 years unresolved, eventually going to unclaimed properties in my name. What do? ​​​​​​​​​​​​​​​​

EDIT: Okay, okay. I hear you. I'm going to fill out a claim form for the money and probably just invest it. Thanks for the sanity check!

I’m a banker and helped my client open a big big CD account a week ago. However, today I found out that the lead teller (teller manager) mistakenly deposited this huge check to someone else’s account by entering one digit wrong , and that check was already partially withdrawn by that person. My bank didn’t require an override or approval for this transaction im guessing cause the client is a private client and has high limits. And the wrong account happen to be a different CD that’s maturing too! While the check was supposed to be in my client’s CD, the rate has already dropped meanwhile; and I’m losing a big ticket sales. Talked to my manager and he’s making calls to fix this.
What is going to happen? How’s the process going g to be?

I’m asking this because I once got yelled at by a dude depositing $20k check and was complaining why I was asking due diligence or protocol questions. ONG it really took the joy out of me for the day but whatever.

I guess it's finally my turn. I worked for Wells Fargo back in the 2010s right in the middle of the fake account scandal. I got out of there fast and have gotten far more experienced since then. I have worked for both CUs and another big bank since then and am now ready for management. I've always been stronger on operations than sales so on paper this role seems like a really good fit.

Understandably, though, I am quite wary of going back to Wells after what happened. Has the environment improved? Before, sales was everything and you got it however you could. I preferred the environment of the CUs much better than the banks, with the far lower sales pressure and focus on doing what is right. There just isn't room for me to get promoted where I am at.

Currently I am employed at PNC. About a month ago I had a manager and assistant manager that were horrible. This had me looking for a new job. Well both these idiots were fired and I got a new manager who is great and I am happy with my position now. I had a interview with US Bank while I was looking. This turned into a job offer. This job offer is a LOT more money than I make at PNC, more money than I have ever made and more than I thought I could ask for. They offered me a higher position than I originally was told by the recruiter so I could be paid more. I use the guild program through PNC currently. Before I accept any job offer I want to know more about US Banks tuition reimbursement program because even if they pay more hourly if it costs me more in tuition this wouldn't be worth it. The recruiter can't seem to give me any information like what the cap is and stipulations or partnered schools. So if anyone has any information I would greatly appreciate it since they want an answer from me by Thursday.

More so venting than anything.

Clients came in to do a wire on Friday morning. Put in all the info, amount of the wire, etc. After we put in all the info, we print out a document, have them review all the info to make sure it's correct for the to where it's going, coming from, all that jazz, before we officially hit the 6 buttons to send the wire out to be processed. They noticed I misspelled the name, okay, easy change. Go in, change the name, reprint the documents, they look over it. They say everything looks good, sign off on both, their copy and my copy, I then sign off on their copy and my copy, and send the wire through, boom, done.

They call back 4 hours later saying the opposite side didn't recieve the funds because the account number it's going into was wrong on the document and they realized that when they got a call from the other side they were sending the money to. Okay. Tell them I will try to see if I can rectify it for them ASAP since it's getting close to the cut off for any wire transcation things and closer to when the department closes. Takes me 15 mins to get through to my wire department, ask for help, they guide me on how to remedy the situation and I get a confirmation saying they have submitted the adjustment. Call the clients back, tell them "hey, submitted the correct account number, should be taken care of. I'm not confident if it will be there today, it might be Monday, if not, then the wire would bounce back, the funds would be rejected by the bank, and the money would be back into the account.

They call today saying the money still wasn't received and they're doing a closing on a home today. Told them similar, I'm not sure of the entire process for the correction, that's a different department but I was informed that it was completed for changing the account, there's not much I have the ability to do from my side. Wife is partially understanding that it's not my fault fully because she shouldn't have missed the 1 single digit that was off, and I explained that I understand and take partial blame for it too since I put in the incorrect number (I of course didn't mention it's just as much their fault as mine for not catching it but she understood that portion without me articulating that). The husband then asked the wife to hand the phone to him and called me incompetent and being rude. He asked to speak to my manager, told him I can provide you their info as they aren't working out of this location at the moment (don't have a manager at the moment so is my regional manager by default). Fast forward, let my RM know, pass their info to them and the situation after I reach out to my wire department again for status on it, get bombarded with calls from the clients and the agent their supposed to be closing the home with and just got annoyed because that was my whole afternoon and it put me behind all afternoon.

Am I saying it's not my fault? No, I will 100% take some blame for it for putting in the incorrect number. Is it ONLY my fault? FAR from it. They looked over it and confirmed it was all correct and signed off on it. This is just as much your fault, if not, more. Human error is human error and being insulted on the phone because of an error by the husband, who just sat there in my office when we did the wire who's just equally part of this entire thing, isn't going to remedy the situation. I know you're upset and probably pissed, but don't take it out on me.

TL;DR: Wire transfer, they checked and confirm info, signed off, called saying wrong info, I completed a request to fix info, got confirmation, they called back today, got insulted by husband, wife takes partial blame for not noticing incorrect info, I take partial blame myself for putting wrong digit, bombarded with calls from their real estate agent and them, got regional manger involved.

I’m feeling impatient and trying to determine my next step. Got into branch banking a year ago and I have lots of leadership experience, also many years of cash handling. I took a teller supervisor/lead position just to get in, but had I waited I could have started as an assistant manager. Would it benefit me more to move over to a banker position or to teller supervisor in a larger branch? I am also looking for assistant manager jobs with other institutions. Have you seen many people move into management from a teller supervisor role? I know people have been hired into management roles with out previous banking roles but just feel like I have not seen anyone go from the teller side right into management roles. How long did you wait between each step? Any advice or any personal paths are appreciated. My current manager isn’t doing much to help me develop a path or really grow at all, hence the impatience.

Hi everyone. I just wanted to hear a couple feedbacks about whether it’s worth staying in my position as a new teller.
I’m getting paid $20 an hour as a part time teller in CA. As a part time teller, I am expected to hit a quota of 16 referrals a month. At this small credit union, we are to handle all the transactions such as opening a CD, closing an account, paying off a car loan, deal with deceased member accounts, account maintenance, you name it. I believe tellers at chase doesn’t handle as much transactions as we do. Anything that has to do with loans goes to the banker on the platform.
Another questions is, im struggling to meet the sales quota. I’ve been here for over a little 3 months & I have not been taught about any of the products that the CU offers but I am expected to just read what’s in the book & try to sell those products. Is this normal or did your bank trained you on these products? If so, how did you succeed on meeting your goals?
I think another reason that makes me question this position is the members that come in regularly.
Omg, these members are so nasty and rude.
I dreaaaaad going to work everyday bc of these rude regular members. Maybe im just not fit for this position. 😫 please no rude comments, I literally think I’m going depressed bc of this job LOL. Thanks!

Hi everyone,

So previously I was working with Chase as an associate banker then I got to work from home in ach since I did the Covid package after that I was unfortunately laid off at that time and could not find another job in the company or banking and I was living in another state where mainly community banks were used. Prior to that I was in retail (5years). So weird…(was with Chase for a year)

So fast forward I got into the education field and became a Special Education teacher to have stability and fulfill a dream I once had. However, I am no longer doing that and currently managing a a program and staff. I recently applied to a Regional bank nearby as a senior personal banker and the recruiter was impressed by my background and everything. I had a phone interview with the branch manager told him my background etc n the next step he said is I go in for an interview person interview at the branch.

However, I wanted to ask for advice. Recently I had applied to several jobs at BOA and got rejected for all the relationship banker jobs Don’t know why… I also applied to the consumer investments trainee and the VP personally reached out to me via email letting me know the cohort dates and asked if I were interested I responded back immediately and let him know I was interested he never responded I followed up with him through email and received no response. That was in like March and April now it’s May I looked at the application n it was recently updated as not selected. However, the job has been reposted for this month. Should I reapply or reach out to the VP again?

I also had a bad experience with Wells Fargo interview process because I went to the interview and the managers were 30 minutes late (for personal banker) and I still didn’t get the job. Got rejected for many other personal banker jobs in my state with WF I don’t know why… also, I had a great rapport with the recruiter and she helped me out a lot as well. After that I just didn’t even think to apply again in my state because that bs. I applied in another state for the Branch operations coordinator and I was selected for an interview passed it with the recruiter then it was sent to the branch manager, the recruiter said they’d reach out to coordinate a date and time with me. The branch manager just reached out and told me the date and time without even speaking with me which I thought was kind of because it was so short term notice and I was actually sick at that time so I had to cancel but I ended up canceling it because I was just so fed up with Wells Fargo anyway.

My questions:

Is BOA a good company to work for? What was ur interview process like there?

Is Wells Fargo a good company to work for? does their interview process just suck? What was your experience there? I ask because I was considering reapplying for that role at a different location

Are community and regional banks better to work for? I have a good feeling about this community bank I recently interviewed with

Hey everyone, I've been a part time Universal Banker for about 5 years now. I work for a big bank at a very busy location. Basically clients all day. I have an opportunity to take a full time UB position, but I genuinely hate sales. I don't even really mind the client side of things, it's just the sales part that I've always hated. With the full time position, it will mean my numbers will have to double and if I had any plans to get a degree, it will make it much more difficult.

I've always wanted a back office position, but since I don't have a degree, how feasible is it to transition from a UB position to any type of non sales/ back office position without one?

i am currently a teller at my bank and i have been so for over a year now. my job requires you to be at your position for at least one year before internal transfer or promotion.

i have been scrolling thru the internal career page everyday looking thru all the relationship banker positions in my area and have been considering applying.

i have also been keeping an eye on back office roles as well.

i have decent product knowledge and my manager is telling me i have really good potential to make the step to a desk.

how jarring is the shift from cashline to desk ? how stressful are the goals and making outbound calls ?

Im still new about 6 month to the company. We have 4 RB, everyday we have at least 3 RB work. But im the only one in teller line, everyone else either walk to break room at working hours or sit on office without helping customer, or chat with each other. Leaving me alone at the teller line besides lunch time. Unless there is a long line. So I’m extremely tired everyday. I don’t know how to keep doing this job.

Im exhausted from this, and if I ever go out they would ask did I get any DAS? Yeah of course I am selling and helping every customer. Like they pressure me, maybe they know each other better than me? But im really exhausted, tired. They are all have closer relationship even with manager.

I’ve been training at other branch, so I know this isn’t how it is.

How do you guys talk to kids who are opening their first checking accounts? I feel like I either get kids who want to sit on their phones the phone time and let mom do all the talking or kids who are super interested. I almost never know where to start with the kids who are interested, and end up just asking the uninterested kids a few questions here and there that they reluctantly answer.

What are the things you always tell them and what gets them excited to talk?

Had a random customer call today saying he was on the way to close out his savings account, and he wanted all $200k in cash. I let him know we do not even have that much money in the branch to give him, but that I would happily provide a cashier's check. He demands to know how much I CAN give him, and after speaking with my manager, she and I decide on $10k. After telling him this, I am told that he can walk into a branch in Oklahoma and get $40k right now! Well sir, I tell him, I don't know what the cash stock looks like at other branches, but at this one, we can do $10k. He yells "I WANT MY FUCKIN' MONEY!!" and hangs up on me.

We do not have an unlimited stock of cash in the back, sir! That would require a much bigger vault, lmao.

Hi all! I was recently laid off for the first time ever after 10 years at the same company working as an entertainment journalist. I'm taking this as my sign that my time in the journalism field has ended for good (it's way too unstable, and while I thoroughly loved my job, the constant stress of looming layoffs and seeing my peers being laid off left and right just isn't worth it). I'm looking for something with a bit more stability, opportunity for career growth, and decent entry-level pay. And my search has led me to banking, as there are several bank teller positions open nearby.

I was just curious to know what it's actually like being a teller. What do you actually do? Is it constant customer interaction, or do you have some down time? Do you generally enjoy the job? Is it soul crushing (the past year at my previous job was pretty soul crushing)?

Any tips/advice for someone possibly considering applying for a teller position?

I greatly appreciate anything you have to offer. I've sort of been spiraling since being laid off and struggling to figure out what's next, and despite knowing that it's time to move on from journalism, I've found myself having a difficult time accepting that and actually applying to jobs outside of the field. Just kind of hoping that hearing from people who work in banking may help quell some of my concerns and give me a better idea of the job.

How do yall decipher if you should place a hold on a check? Every time I get a check that I’m not sure of I bring it to my head teller. I want to be able to decide for myself whether or not I should place a hold but I get anxious every time and second guess myself.

Hello. I'll be transferring to the Call Center for my CU after being a full time teller for 2 years. I was told to just be a good listener and am aware of how bold people can be over the phone. Looking for any other tips people may have besides that!

Most of the time it’s fine being the only notary in the branch. I helped one lady notarize her signature on a document to affirm she had Italian ancestors so she can apply for Italian citizenship. That was pretty cool. I enjoyed hearing her stories.

I also had another cool couple notarize a basic invoice/contract for a guy to chop up some wood on their property that landed there during a storm. That led to some interesting stories about property they own in another state.

But man, every time an old guy comes in alone it’s always the sketchiest thing he wants.

In 4 weeks I’ve had 2 different old rich white guys try to get me notarize a document that they refused to show me. It’s not a lot but it’s weird it happened twice.

Anyone can stick a notary page on the back of an illegal/non-legitimate document. I refuse to notarize anything I can’t even glance over. And that makes them pissy.

Anyone else get issues like this?