Mood:
downTopic: ramblings
Well...let me start out by saying I need to start looking for another job now more than ever...
...and secondly, I hope what happened last Wednesday doesn't get me fired.
I'm assuming you want an explanation now? lol
Well...last Wednesday I was tellering. A shared branch member (shared branch = other credit unions around the country who can come to our branches to perform transactions) came in to deposit a check and get cash back. I can remember the guy like it was yesterday...faces I'm not too good with but I definitely remember him. He handed me a check for $4185 and some change...he told me a good story (I know now it was just a story) about getting into a car accident months ago and finally getting his settlement check. The bottom of the check even listed "Memo: Insurance claim pay-out" or something along those lines...I hadn't noticed that the issuer was a doctor's clinic and put two and two together: a doctor wouldn't pay out an insurance claim, that's what insurance companies are for. So, the issuer of the check should have been an insurance company.
As if that oversight wasn't enough, Shared Branching rules usually state if the check isn't guaranteed funds (i.e. cashier's check) or payroll (next best thing to guaranteed) that a hold is to be placed on the check. Well...this guy told me a good story about needing the money desperately because he's been without a car and he's found a good deal on a new car (also a complete fabrication I'm sure). I made the deposit and asked if he would like any cash back. "Oh...well...I was wondering if I could get $4,000 of it?" he asked. The answer should have been no. The mere fact I gave him so much cash in and of itself could get me into big trouble...regardless of the fact that he was a shared branch member.
Well, I gave him the $4,000 left the other $185+ in his account and left it at that. He had a good story and he didn't want the whole thing cashed out so I figured it was a good check. Well, needless to say, it turns out the check is counterfeit. And it turns out that a teller at our other branch deposited a check in his account for just under $4,000 that turned out to be counterfeit. But what's the big difference? When I went into the shared branching system I accidentally pulled up the wrong members' account. As if the day wasn't bad enough, I come to find out that our credit union might have to eat the $4k loss because I put it in the wrong account! Needless to say, I feel pretty crappy right now.
And, to top it all off...the same guy who deposited two bogus checks with us and got $4k in cash back came into our other branch and cashed a payroll check. Normally not a big deal, but for a guy who owes us $4k and is known to conterfeit checks, those funds should have been held regardless of any permission that his branch (Barksdale CU in Louisiana) gave (and they did give permission believe it or not).
So yeah, it's 3:15pm...and I wanna go home...
