Caution - Alabama Credit Union (Especially OOS Families)

TxNewCollegeMom
Thu, 07 Aug 2014 03:59:23 +0000

Worked as a teller for 10 years from high school thru college and a few years after.
There are several things that teller could have done by simply looking at the check being deposited:

1. Check number? If it is a high number that is typically going to be a long standing account. Granted, nowadays w/ internet banking we don’t use as many checks as we once did.

2. Name on the account. Should have been it was pretty obvious it was mom/dad putting into students account.

3. Even if she did feel like putting a hold on the deposit that is a LONG time for a hold in todays world. 3 days should have been plenty!

We bank at 2 local independent banks w/ several branches here at home. I’m not a fan of big banks, just did not care for some of their practices be it towards employees or customers. I’ve never had a problem making a deposit of any amount. But, we also have large commercial accounts at both banks in addition to our personal checking and mm accounts. They know us very well at the 2 branches closest to us. They have been known to call us just to make sure a charge may be uncharacteristic (out of state or country), but, they pretty will know our patterns, SAD in a way. If they told us they were going to put so much as a 3 day hold on a check, uh, no.

We just had D open an account in Tuscaloosa at Capstone Bank. We have been working with them for the condo we are purchasing there. Have never met them but they have been way beyond helpful. Can’t wait to meet them next week to thank them for all of their help. They have a free students account and very close to campus on University Dr.

I used to be a fan of credit unions until the local one we used for a few years started pulling stunts like that and lost that personal service, seemed they didn’t care. They would put holds on payroll checks even if it was drawn on the bank down the street.