<p>OMG!! My DS deposited $1300 into the ATM at PNC Bank. My worst nightmare happened and the machine read “error”. Did not give an receipt and did not return the money. All he got was an error receipt. The bank wouldn’t count anything that day and said they would open the ATM the next day and count the money and call him. They never called so he went back to the bank and they said the ATM was only $700 over. They said they were putting in a dispute and it could take 45 days to resolve. What is he supposed to do? He is out $1300 and they are saying it’s only $700. How do we know the person who counted it didn’t pocket the rest. Please help!!</p>
<p>Rule #1 - Never, ever, deposit cash into the ATM. </p>
<p>The bank will have cameras all over the teller of the ATM funds, so unless they know magic tricks the cameras will alleviate the worry that the teller took the $. </p>
<p>I feel bad for your S. Is there a way for him to substantiate his claim that there was $1300? A deposit slip he filled out might be a start.</p>
<p>It was one of those new ATMs where there is no deposit slip, you just put the money in. These days a lot of banks charge you to use a teller. They want you to use the ATM but this is ridiculous. He has no way to substantiate the amount of money he deposited.</p>
<p>This is strange to me. I’m not familiar with these types of ATMs. The ones that I’m used at PNC count your money and then ask you whether or not that’s correct. If yes, then it deposits. If not, it spits it back out at you.</p>
<p>Is this what his did? Did it count it correctly and then have an error or did it just eat the money?</p>
<p>It sucked his money in. Then, instead of counting it, the machine read error. It wouldn’t spit the money back out and it didn’t ever show as counted. I’m telling you, this is my worst nightmare with ATMs.</p>
<p>I had a problem with a PNC ATM where I was withdrawing $250 the day we were leaving for our college visit trip, so I would have cash on me (I rarely carry cash) and the machine made the noise of counting the money but never spit it out. It gave me a receipt as though I had gotten the money but I didn’t. I waved like crazy to the girl at the drive through and she held up a sign saying there was no speaker in the ATM lane and I had to come in the bank. So I went in and a teller was working on the machine because she realized it had gone haywire. They told me they had to file a dispute and it could take up to ten days to get my money. I made noise and spoke to the manager who set up a temporary deposit of my $250 until the dispute was resolved. I was nervous about that because they could potentially turn around and say that I had gotten the money after all and take that money back. It did work out ok though. I would be very concerned about them saying the machine was only $700 over. I think that’s a situation where I would go to the bank with my kid to talk to a manager about it. </p>
<p>I’ve decided I’ll never withdraw more than $40 in one transaction again. I’ll do several transactions if needed. Those new ATMs they have can be nice because you can withdraw money in $1 increments, but at the same time, these kinds of errors are scary for customers. Having all the money in one envelope together with a name on it erases any questions.</p>
<p>Our credit union uses those ATM’s. You tell it before you even feed the money in how much you’re depositing. Wouldn’t the bank have a record of THAT? And I agree with the above-my niece was a teller at one point and they absolutely keep a very close watch on bank employees. Even if you count wrong and then find the discrepancy and correct it you can be let go. I can’t figure out why there is such a difference in what your DS says he deposited and what the bank found. I’ve never had a problem depositing to our CU, but I’ve never deposited large numbers of bills. Hope he gets it worked out.</p>
<p>With the PNC one by me and the Chase one like it, near me, it counts the money and then asks you if it is the right amount. It doesn’t ask ahead of feeding the money.</p>
<p>Most banks have a team of 2 people who open/balance/report on the machine. Dual control for exactly the situation you describe.</p>
<p>Was this a newer machine where you load the cash in one bill at a time? Did you check his account to make sure he didn’t get partial credit for the deposit?</p>
<p>No partial credit. I checked. He is in Delaware, I am in NJ. He is going to try to speak with the bank manager again tomorrow. I will go to my PNC here to get advice as I know the people. If I have to I will drive down there. I’m just not sure how you resolve this when he says one amount and they say another. He knows for a fact it was $1300 because he counted it again before depositing.</p>
<p>The bank needs to go to the video to verify the amount deposited into your son’s account.
So you’ll have to wait.
Hopefully, he fed the ATM machine one bill at a time so the denominations will show up on the video.
Did he count the money within view of the ATM camera?
Have your son make a copy of the ATM error slip, do not give the original to the bank.
They can see it, but he needs to keep it clean and crisp, in his possession.
Remember to use your most calm voice and tone when dealing with this problem.</p>
<p>Something similar happened to my mom. However when they went to count the money later, they found the exact amount she had lost. I can’t offer any suggestions, but I really hope everything works out in the end for you!</p>
<p>While not certainly in the same league, I had a situation happen earlier this week that made me aware of how much video is being used these days for verification of facts. Last week I purchased a number of items at Nordstroms Rack. When I looked at the receipt earlier this week, I saw I was double-charged for one item. I had to go back to the store anyway to return a pair of socks I’d picked up in the wrong size, so I had my receipt and approached a cashier at checkout. I explained what had happened and was told I would have to speak to someone in a certain department (I can’t remember the specific name, but something like customer services); she said they have video they review to determine whether a transaction was accurate or not. Unfortunately, she called that department and then told me no one was yet in for the day (it was around 11:00AM) and I would have to call back around noon when they’d be in. I was quite miffed at this information - I couldn’t believe that a retail store, with retail hours didn’t have the staff they needed during regular store hours - but she told me I didn’t need to return to the store, that I could call in the error. So a couple of hours later, I called, and provided the information they requested from the receipt (I’m guessing a transaction number), and was issued a refund to my credit card (they emailed me a receipt of the refund). The person I spoke to on the phone, however, denied that there wasn’t anyone in the store, and that the person who told me that was wrong. She apologized profusely and asked for the name of the cashier who had told me this, which I was able to provide since she’s the one who also issued the credit for the socks I returned. I have a feeling that person was going to get an earful when we were done on the phone. </p>
<p>However, it did make me more cognizant that, more and more, there are surveillance videos in all kinds of places we might not have thought about, and at least in my case, had it been needed to verify that I had indeed only purchased one blouse but two had been rung up, it would have been available.</p>
<p>We have debit cards and use them to get cash, and deposit checks (I would have to be really desperate to use it to make a big cash deposit; in fact, I’ve never done that). Whenever I pull up to a machine, the first thing I notice is, where is the surveillance camera. As soon as my money is dispensed (and while it is still inches in front of the machine), I immediately hold up the cash and count it, in front of the camera, so if there is ever any dispute, I can prove what I’ve counted out if I happen to be shorted. Both my personal trainer and cleaning lady prefer to be paid in cash, so I do need to keep a certain amount on hand for those reasons.</p>
<p>Ugh I hope that works out. My bank uses envelopes as deposit slips (though I usually fill out a deposit slip at home and just put it in the provided envelope). I type in the amount and it is immediately available for withdrawal (as are teller deposits). I guess they might remove that perk if I ever typed in the wrong amount but so far so good.</p>
<p>This is a regional bank in a small town they know my name when I go in, etc etc. I hope I never have to use a big bank ever again, I was a Citibank customer for years in NYC and it was horrible. I imagine PNC is much the same.</p>
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<p>I do the same thing. I pull it out of the machine and count it before I pull it into the truck. Normally for me it’s either 3 or 5 bills total…</p>
<p>I always check the receipt as it is being rung up or before I turn away, but Ive never thought to count my money from an ATM.
Im going to start.</p>
<p>H & I rarely ever have used ATMs. We prefer places where we can talk to and use tellers at no extra charge. H just doesn’t trust the security for finances. Our kids have never deposited cash into an ATM, and after note, this I don’t think they ever will. Please keep us posted as to whether you ever get a better resolution.</p>
<p>I only bank where I am not charged a fee to speak or see a human, and I never deposit cash in ATMs due to being afraid of what happened to your son. I hope the bank resolves the situation quickly and in your son’s favor. At least they found $700 of the $1300 and not any of the money.</p>
<p>Both my bank and credit union do NOT charge to talk to and use tellers and also have free phone in service and transfers. I use those. I expect I may have to use ATMs when we travel abroad. I used to use ATMs regularly decades ago before I met H–never had any problems with them.</p>
<p>Just curious how much do they charge to use a teller? I would switch banks if they do. I have never heard around here you have to pay to use a teller.</p>