Originally, I just went to the bank to make a simple transfer, but I didn't expect it to cause an accident. This bank is not the one I frequent, but because my husband's salary card is here, I chose the branch closest to my home. However, things turned out more than I expected.
I explained to the female teller in detail what I needed to withdraw 49,900 yuan and deposit 50,000 yuan, and handed her husband's bank card and my ID card. Normally, I would have folded it up and put it in my wallet as soon as I got the withdrawal receipt, but this time I noticed some issues.
First of all, the female teller did not hand me a withdrawal receipt, which is different from the operation process of other banks. As someone who used to work in a bank, I know how things go on in the back office, but this time it's an unusual twist.
Secondly, except for the basic information of the machine, the rest of the deposit slip is blank, and there is no blue seal of the branch automatically printed by the bank, and there is no manual red seal. I couldn't resist asking the female teller why their certificates of deposit were not stamped with the bank's seal and why they didn't give their customers withdrawal receipts.
The female teller was a little impatient, called her companion and told me that there was a record in their computer system and that there was no need to stamp and provide a receipt. I continued to ask if their operation was in line with the banking system, and the female teller's supervisor joined the conversation, saying that there was no problem with their operation, and invited me to come back tomorrow and re-open my account.
In the face of the resolute response of the bank staff, my anxiety and doubts became heavier and heavier. If this deposit slip is involved in a lawsuit, is it valid to get it to court?Will I be able to withdraw my deposit after 3 years?Can such a certificate of deposit without the seal of the branch and teller really guarantee the safety of my rights?
I insisted on closing my account and re-applying, why do I have to do it again tomorrow?This was obviously a mistake on their part, but it cost me trouble and time again. The female teller always pretended to be innocent and was indifferent to my doubts.
As someone who has worked in the banking industry, I understand the pressure of working as a bank teller and branch, and the importance of assessment indicators is obvious. Therefore, I did not take action lightly, but this time I felt that my rights were threatened, so I decided not to compromise again.
Finally, one of the people in charge offered to take me to another outlet to re-open the account. In this way, a simple transfer business was carried out, but it took more than an hour to go back and forth.
This encounter made me think deeply, whether it is going to the bank to handle business or deposit, etc., we must carefully check the documents after processing, such as deposit receipts and withdrawal receipts. These documents are valid evidence of the business exchange between the customer and the bank, and if there is a defect, even if the bank makes a mistake, if the customer fails to detect it in time, it will eventually pay a heavy price. Therefore, we must not be careless, but always be vigilant.
In this bank deposit business, I encountered a small storm. Originally, it was just a simple rollover business, but due to the misoperation of the bank teller, there was a problem with the deposit receipt. However, what disturbed me even more was the bank's response and attitude after I raised my questions.
This experience made me deeply aware of the vulnerability of being a client in the financial sector. As a financial institution, it is very important for banks to operate in a standardized manner and provide high-quality services, but at the same time, we also need to be vigilant as customers to protect our legitimate rights and interests.
When encountering similar situations, we should express our doubts and concerns in a timely manner, rather than passively accepting the risks caused by wrong operations. As a customer, we have the right to protect our legitimate rights and interests, and we also have the responsibility to report problems to the bank and ask for solutions.
At the same time, banks, as financial institutions, should strengthen internal supervision and operational norms to ensure the safety of customers' funds and the protection of rights and interests. In particular, in key links, such as the compliance and sealing of deposit receipts, as well as the provision of customer receipts, the regulations should be strictly implemented to protect the rights and interests of customers.
Overall, this experience made me question the operational processes of bank tellers and branches. I would like to remind everyone that no matter what kind of business you handle, you must carefully check the vouchers to ensure that your rights and interests are not damaged. At the same time, they should also actively protect their legitimate rights and interests, express doubts to the bank and ask for solutions.