Dump Bank Experience

[SFBayArea]

It's been a while since I posted but I wanted to share with you my dump bank experience today. I dump at this bank frequently but not in large quantities. The reason why I dump here so lightly was because one of the original head tellers a while ago gave me a Franklin Half Dollar long ago for face value. She was super nice and so I promised her I would never dump more than two bags there a week. Of course, she retired. I liked going there because they would just give me cash on the spot for the bags of coins I turn in. I and the bank have never had issue with the coins I dump here. I'm always accurate with what I bring in.

Now, they changed the rules with the new regime that is the same as other banks. No more getting cash on the spot for what I bring in. They have to do a deposit first and a withdraw from my account for cash. The deposit would take a week to process. Oh well, the benefits for coming in for exchanging fast cash and dumping lightly are gone.

I always ask for the old portrait design bills when I get cash. A month ago, the teller showed me she had a 1934 $100 but refused to give it to me. The only reason why she showed it to me was because I asked for older bills. I thought at the time, this is my dump bank for coins and they give me cash on the spot which is a benefit. No paper trail on my end but the policies have changed. I know that old currencies have little value but I think they're still cool and a 1934 bill has some value over face. I just would like to build a currency collection just from going to banks despite knowing they are mostly not worth much.

Fast forward to today, I asked for old portrait bills and this other teller starts to pull them out. She had a few $100's. But midway, she stopped and pulled one of them back. I could tell from the light green serial numbers and font that it was probably a 1934 $100. I told her to give it to me. She came up with the excuse that she's saving it for someone else since that person said he wanted that specific bill. I said that the person should've gotten it that day. I found her actions hard to believe and I think she was lying. She changed her description of who the guy was that was asking her to save older bills half way in our conversation. She swore that she would save them for me next time. I doubt it since the other teller who was working right beside her was the same one that showed me her 1934 $100 bill a month ago. People talk at banks especially when there's down time.

I thought about complaining to their manager because they shouldn't be doing coin or currency collecting on the job. My take is that if they're going to keep stuff for themselves, don't show it to the customers. What I don't see, I can't ask for. I told the teller that I've been nice to them by not dumping so hard on them in the past but I'm really considering changing my mind. I've been nice to them in the past and other tellers in the past have thanked me for not bringing in too much coin since it's pretty much all women that work as tellers and they hate having to carry heavy bags of coins. Since all the benefits of dumping lightly there are gone, I'm seriously considering using them as a primary dump bank since it is closer to my residence anyhow. I could do a large order and dump there all at once. LOL

When the female tellers start moaning about the coins I bring in, I could just say, "you can thank teller XXXY because she was doing personal money collecting on the job and would've give me what I asked for". LOL. I doubt by me saying that it would change anything there in terms of them holding onto older bills for me but I think people would get angry at that teller behind the scenes.

Just wanted to see what other folk's experiences are and whether a strategy like this or any other strategy can work to persuade them to not allow their employees to withhold coins or currency from customers. Just wanted to see how people's use of banks to dump on have been sweet revenge on an unhelpful teller. If this works at all.

 

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[SFBayArea]

Yeah it's funny. People got so worked up over this. They keep saying they're not going to comment anymore but yet keep coming back.

 

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[Liu21]

Tellers don't have time to search all bills in some back room before they "work". They see something they want to save during a transaction, then it's their perogative. You can get mad all you want, have words with her, or throw any type of hissy fit you want. Bottom line is they aren't going to give you that bill. Your better off making an offer to buy it from her at a price that your both happy with. If they refuse then oh well. Better luck next time.

why search for something for someone that you wont give up when you find it? A simple I dont have any would have suffice. I never expect tellers to search for anything in any backroom or such, but during the down time when No customers are in line, I would believe they should use that time to "count" their drawer inventory... Bottom line is, Dont honor a request, if you Dont want to fulfill it.

 

[mxh5891]

I think it would be funny to be a fly on the wall to first hear what your going to tell the manager what happened, and secondly hear what the manager says to herself after you leave. I'm sure she will just shake her head and laugh. I know I would be laughing if I were her.

 

[SFBayArea]

why search for something for someone that you wont give up when you find it? A simple I dont have any would have suffice. I never expect tellers to search for anything in any backroom or such, but during the down time when No customers are in line, I would believe they should use that time to "count" their drawer inventory... Bottom line is, Dont honor a request, if you Dont want to fulfill it.

Very True. For some odd reason mxh5891 keeps putting in imaginative assertions that are not close to reality. He doesn't go to this branch, I do. I've spoken to other tellers there at the very same branch before about CRHing. They have time to do it. They have downtime there. A couple years ago when I spoke to a male teller (before they went to all female crew) there about CRHing. He told me how he spotted 6 silver quarters through the plastic wraps in a Brinks box. I just said "cool man, it's rare to see 6 silver quarters in a box".

Funny that mxh5891 still makes imaginative assertions just like he knows it was a male branch manager and how now he knows how the female manager will react. Sigh.. But then again you did say you were snowed in. I'll have to excuse myself for a bit and do some CRHing.

 

[mxh5891]

Very True. For some odd reason mxh5891 keeps putting in imaginative assertions that are not close to reality. He doesn't go to this branch, I do. I've spoken to other tellers there at the very same branch before about CRHing. They have time to do it. They have downtime there. A couple years ago when I spoke to a male teller (before they went to all female crew) there about CRHing. He told me how he spotted 6 silver quarters through the plastic wraps in a Brinks box. I just said "cool man, it's rare to see 6 silver quarters in a box".

Put yourself in the tellers place. I guarantee that you would be saving every silver coin or old bill for yourself weather you see it on your break or if you spot it during a transaction. Bottom line her is that you have no conerol as to if she gives you what you request. You can get as mad as you want and talk to any branch Manger you want. It's not going to change any rule or policy about what she did. This whole post has been as pointless as the OP going to bank manager. He is not the first person this has happened to and it's certainly not the last time it will happen. If it bothers him this much that he feels the constant need to be right, maybe it's time to hang up his CRH shoes.

 

[SFBayArea]

Put yourself in the tellers place. I guarantee that you would be saving every silver coin or old bill for yourself weather you see it on your break or if you spot it during a transaction. Bottom line her is that you have no conerol as to if she gives you what you request. You can get as mad as you want and talk to any branch Manger you want. It's not going to change any rule or policy about what she did. This whole post has been as pointless as the OP going to bank manager. He is not the first person this has happened to and it's certainly not the last time it will happen. If it bothers him this much that he feels the constant need to be right, maybe it's time to hang up his CRH shoes.

I did put myself in her shoes. While it sucked to lose it, I would think that I do work at a busy branch that gets currency all the time. My co-worker also found a 1934 $100 bill not long ago. I have more opportunity than normal people to find old currency. Yeah, is it worth getting a customer upset that I didn't hand it over? No. I will find another since I deal with cash all the time for my job. Yeah, I should just keep the ones that I want off to the side so that no customers can see it and ask for it.

If you never speak up, nothing will get changed. Might things change? Maybe or maybe not. If no one says anything, the status quo continues.

 

[mxh5891]

I did put myself in her shoes. While it sucked to lose it, I would think that I do work at a busy branch that gets currency all the time. My co-worker also found a 1934 $100 bill not long ago. I have more opportunity than normal bank goers to find old currency. Yeah, is it worth getting a customer upset that I didn't hand it over? No. I will find another since I deal with cash all the time for my job.

Haha that's the funniest thing I heard all day. By your logic you shouldn't be upset then. You get money all the time too and will have lots more opportunity to get another old bill.

 

[SFBayArea]

Haha that's the funniest thing I heard all day. By your logic you shouldn't be upset then. You get money all the time too and will have lots more opportunity to get another old bill.

You don't get it since again you're not reading. I was speaking as though I was the teller (speaking from point of view of teller). You said put yourself in her shoes. Well, if I was the teller, that's what I would have thought. PLEASE this time, I'm asking nicely for you to actually read the posts before replying.

How do I get cash (currency) all the time as though I'm a teller? Explain. Only cash I get is from the bank in getting it from dumps. It's only a few thousand a week, usually all 100's. Tellers go through as many bills as most of us go through coins.

 

[Yinzi50]

Well, I am an oldie and today is my 8th anniversary of Crh. I did experienced many situations. I had both dump and buy banks shut down on me. I found several 1934 $100 bills without looking hard. I completed a full set of Franklin halves. I remember OP a few years back as a very sharp CRHer.

I remember OP's prediction about silver price going down and wish I acted on it.

Now to share some of my experience to respond to OP's situation

my main buy bank closed my accounts last year without telling me a reason. I have about 0.5 million assets
in this large chain bank, CD, 401k, direct deposit, stock accounts, two credit cards and many direct pays tied to my checking accounts . It gave me one month's notice because of my deep relationship with this bank.
I am 95% sure it because of an over-zealous teller. I don't have any evidence because it came from the top.


She was a lowly teller 4 years ago and she was the one to lug the boxes for me. After a couple times she decided that was too much for her so she persuaded the assistant manager to tell me no more boxes. But the manager liked me more and overruled her and the assistant manager. However I had a better relationship with another branch manager who would order me 6k every week so I tried to avoid forcing her to lug the boxes as best as I could.

She moved to another branch to be a sales rep soon after and I also bought box from this branch but no direct interaction。Last year she moved to a third branch to be the assistant manager which I also occasionally bought boxes too. This time she got power. She was able to persuade this branch manager to stop ordering me coins. I guess that she finally found the way to reach their internal QC department to persuade them to close my accounts (at least 95% sure). A damn snitcher！Every large bank has a QC or cost control (or whatever you call it) department to analyze if a certain customer is a liability. I always bet on my assets at this bank against her wounded ego. I lost but there are no shortage of banks in this part of country anyway.

I spent at least $300 to buy chocolate each year and I gave compliments (kissing asses) all the time. A few of the branch managers love very much. She is the only bad vibe in this whole region.

So my point is: you never know what a lowly teller will become down the road. To me it's a hobby anyway. I have my 9-5 job.

Another point is: I won't double dump last amount of coins to that lady tellers only branch because that branch becomes no good to my CRH. Putting several ladies under duress for my hobby will bother my conscience. Not on a moral high horse here just because I grew up with only sisters.

To a presecutor, criminals lie to get away crime; but to a defense lawyer, sometimes innocent people will lie under duress situation.
I bet OP works on the prosecutor's side of law. To OP, innocent people never should will or did lie. If someone lies, that people is dead to OP.

 

[mxh5891]

You don't get it since again you're not reading. I was speaking as though I was the teller (speaking from point of view of teller). You said put yourself in her shoes. Well, if I was the teller, that's what I would have thought. PLEASE this time, I'm asking nicely for you to actually read the posts before replying.

How do I get cash (currency) all the time as though I'm a teller? Explain. Only cash I get is from the bank in getting it from dumps. It's only a few thousand a week, usually all 100's. Tellers go through as many bills as most of us go through coins.

I totally understand that you put yourself in the tellers shoes. That's why I wrote what I did. It's funny that you can apply that logic of "oh well i'll find another and give it to this nice customer" if you were the teller. But you are unable to apply that logic to yourself. That's very hypocritical.

By the sound of your logic though that teller would have to be the nicest person in the world to give something away that she will most likely never see again. " Oh here is this 20 dollar gold piece for face value" "I deal with money all the time and get plenty of these in all the time" See how silly your logic sounds?

I never said you get cash like your a teller. You do get thousands of dollars a week. You could get it all in dollar bills and search those for older bills. All I am trying to point out to you is that you will have an opportunity as well to find another 1934 Hundred dollar bill.

Since missing out on this bill is bothering you so much. I would think you should get a part time job as a teller. Then you can cull all you want. I'm sure though that when I come to your line and get cash out, you will give me that old 1934 bill you have in your hand that you just found. You know, you see money all the time and will surely get another one.

 

[mxh5891]

Well, I am an oldie and today is my 8th anniversary of Crh. I did experienced many situations. I had both dump and buy banks shut down on me. I found several 1934 $100 bills without looking hard. I completed a full set of Franklin halves. I remember OP a few years back as a very sharp CRHer.

I remember OP's prediction about silver price going down and wish I acted on it.

Now to share some of my experience to respond to OP's situation

my main buy bank closed my accounts last year without telling me a reason. I have about 0.5 million assets
in this large chain bank, CD, 401k, direct deposit, stock accounts, two credit cards and many direct pays tied to my checking accounts . It gave me one month's notice because of my deep relationship with this bank.
I am 95% sure it because of an over-zealous teller. I don't have any evidence because it came from the top.


She was a lowly teller 4 years ago and she was the one to lug the boxes for me. After a couple times she decided that was too much for her so she persuaded the assistant manager to tell me no more boxes. But the manager liked me more and overruled her and the assistant manager. However I had a better relationship with another branch manager who would order me 6k every week so I tried to avoid forcing her to lug the boxes as best as I could.

She moved to another branch to be a sales rep soon after and I also bought box from this branch but no direct interaction。Last year she moved to a third branch to be the assistant manager which I also occasionally bought boxes too. This time she got power. She was able to persuade this branch manager to stop ordering me coins. I guess that she finally found the way to reach their internal QC department to persuade them to close my accounts (at least 95% sure). A damn snitcher！Every large bank has a QC or cost control (or whatever you call it) department to analyze if a certain customer is a liability. I always bet on my assets at this bank against her wounded ego. I lost but there are no shortage of banks in this part of country anyway.

I spent at least $300 to buy chocolate each year and I gave compliments (kissing asses) all the time. A few of the branch managers love very much. She is the only bad vibe in this whole region.

So my point is: you never know what a lowly teller will become down the road. To me it's a hobby anyway. I have my 9-5 job.

Another point is: I won't double dump last amount of coins to that lady tellers only branch because that branch becomes no good to my CRH. Putting several ladies under duress for my hobby will bother my conscience. Not on a moral high horse here just because I grew up with only sisters.

To a presecutor, criminals lie to get away crime; but to a defense lawyer, sometimes innocent people will lie under duress situation.
I bet OP works on the prosecutor's side of law. To OP, innocent people never should will or did lie. If someone lies, that people is dead to OP.

Thank you for sharing your story. It surprises me that since the OP has been doing this so long he thinks that this could never happen to him. I have read countless threads where this happens to people such as yourself who are doing everything right. Anything is possible in the crazy hobby of CRH.

 

[Tnmountains]

I think this thread has run its course......

 

[ceeemeee]

I have 150+ K in the account. I doubt they would close it because of the fact that I complain to branch manager that a teller was collecting while doing a transaction with me.

Lost in all this: why do you have 150k in a non-business business account? Why not put your money to work?

 

[Vdubguy]

I find it amazing how someone else can post a thread about a dream box loaded with silver and it doesn't get as much attention as this. **shakes head in disbelief**

 

[FormerTeller]

Tellers don't have time to search all bills in some back room before they "work". They see something they want to save during a transaction, then it's their perogative.

No, but they do have time to see the bills as they're counting them - either when they buy them from the vault, or when they take them in as part of a deposit. I guarantee you this teller counted her hundreds before SF Bay came to her window. She should have set the 1934 aside and not had it in her stack. It's no better than leaving silver coins you know you're going to buy in your teller tray; it's just asking for trouble.

I'm not saying his reaction is justified, but it does tick some people off.

 

[mxh5891]

No, but they do have time to see the bills as they're counting them - either when they buy them from the vault, or when they take them in as part of a deposit. I guarantee you this teller counted her hundreds before SF Bay came to her window. She should have set the 1934 aside and not had it in her stack. It's no better than leaving silver coins you know you're going to buy in your teller tray; it's just asking for trouble.

I'm not saying his reaction is justified, but it does tick some people off.

I agree with you. I'm not saying SFBayArea was wrong in being mad. He just overreacted a bit in wanting to get a manager involved. I would be a little bummed out if it happened to me. Just like any normal person would be. Most people just move on and live to search another day.

 

[SFBayArea]

I want to thank Yinzi50 for chiming in. Good to hear from someone here when we used to have sensible discussions on this forum. This reminds me of the old days of this forum. For some odd reason, new folks are acting like their hobby is threatened based on this thread. LOL. You're correct that anything is possible. I really don't see this employee as becoming a manager but you never know. Your story is about an order bank? I would never do that to an order bank or any bank I perceive as a possible order bank. I go out of my way to have great relationships with them. As far as orders go, they can easily cut me off. They think I smell funny, they can cut me off right on the spot because they actually get charged for ordering coins and I'm lucky they don't charge the customer. As far as dumping goes, they have to allow me to do it because there is a company policy. They can't just violate their company policy and open themselves up to liability. There is contract signed when you open an account and everything is in the fine print. I do have a business account. After-all, laundry mat owners can bring in a ton of quarters to be counted as well so I can't see them justifying just closing down the account just because I bring in coins.

mxh5891.. so what if what I'm talking about is an over-reaction to you? Does it justify the level of over-reaction here? Yinzi50 is doing it right. He's providing reasonable counter points to the thread.

Regardless, FYI I've called corporate and complained about a bank manager before about not allowing me to dump. This involved a separate bank system all together and it was 5 years ago. This was when we used to have plastic wraps in the coin boxes out here which made searching boxes much easier. The manager would not allow me to swap out rolls for new rolls or cash even if I provide them with my account number and every piece of information they could want (including Driver License). One of the tellers mentioned that the person running the place is very strict and he didn't seem to care for management either. So after I pleaded my case to the manager to no avail, I called corporate and complained about his customer service since other branches allowed me to do it. I'm sure it didn't go anywhere but oh well. Nothing happened to me and I still have an account through this bank chain.

 

[SFBayArea]

I find it amazing how someone else can post a thread about a dream box loaded with silver and it doesn't get as much attention as this. **shakes head in disbelief**

It's extremely comical to me the level of over-reaction here. It caught such a frenzy that someone started talking about it on an another forum. Guessing folks have accounts in both. Like I said, in the old days of the forum, it wouldn't have been like this. So much attention, it should be voted banner. No banner finds for me but a banner thread instead. LOL. And I hope folks here can get the sarcasm.

 

[SFBayArea]

Lost in all this: why do you have 150k in a non-business business account? Why not put your money to work?

Read one of the prior posts on this thread. It'll explain it.

 

[mxh5891]

I want to thank Yinzi50 for chiming in. Good to hear from someone here when we used to have sensible discussions on this forum. This reminds me of the old days of this forum. For some odd reason, new folks are acting like their hobby is threatened based on this thread. LOL. You're correct that anything is possible. I really don't see this employee as becoming a manager but you never know. Your story is about an order bank? I would never do that to an order bank or any bank I perceive as a possible order bank. I go out of my way to have great relationships with them. As far as orders go, they can easily cut me off. They think I smell funny, they can cut me off right on the spot because they actually get charged for ordering coins and I'm lucky they don't charge the customer. As far as dumping goes, they have to allow me to do it because there is a company policy. They can't just violate their company policy and open themselves up to liability. There is contract signed when you open an account and everything is in the fine print. I do have a business account. After-all, laundry mat owners can bring in a ton of quarters to be counted as well so I can't see them justifying just closing down the account just because I bring in coins.

mxh5891.. so what if what I'm talking about is an over-reaction to you? Does it justify the level of over-reaction here? Yinzi50 is doing it right. He's providing reasonable counter points to the thread.

Regardless, FYI I've called corporate and complained about a bank manager before about not allowing me to dump. This involved a separate bank system all together and it was 5 years ago. This was when we used to have plastic wraps in the coin boxes out here which made searching boxes much easier. The manager would not allow me to swap out rolls for new rolls or cash even if I provide them with my account number and every piece of information they could want (including Driver License). One of the tellers mentioned that the person running the place is very strict and he didn't seem to care for management either. So after I pleaded my case to the manager to no avail, I called corporate and complained about his customer service since other branches allowed me to do it. I'm sure it didn't go anywhere but oh well. Nothing happened to me and I still have an account through this bank chain.

I'm not sure what you mean by people's overreaction here. All I read was people giving you an opinion that you obviously disagree with. Nobody is worried that your going to affect their CRH. People were actually concerned that you were going to screw something up for yourself. People only started getting a little nasty because YOU decided to play Devils advocate with every little thing a person said.

I love how you admitted to stirring the pot, and then you act so surprised by people's reactions. It was your intent this whole time make a controversial post and get this forum into a frenzy. Well it worked and now you can enjoy people's negative feelings towards you.

I am so glad your not in my area CRH. Calling Coperate over such petty things as not letting you swap out rolls. This is what people are talking about you acting like an entitled CRH. Of course it didn't go anywhere. You have to realize that CRH are a nuisance to every bank and they are allowing us to CRH. I never want to bite the hand that feeds us.