Pay Attention to Bank Transactions

Pay attention to bank transactions immediately and especially within an hour.

I went to the bank and deposited a large check and took a bit of cash out. I hit to email me a receipt of the transaction. I assumed it was for the cash I took out. I didn’t really look at it because I had always trusted the bank.

I wondered about no 2nd email receipt, but it was a fleeting thought. After I later looked at the email, after I logged into the bank app, I saw the check was deposited missing a couple of zeroes.

I called the bank national number, and they looked at the image to see the mistake made and started a claim but told me to go to the branch for perhaps a faster resolution.

I went back to the branch, and they told me it will take as long as the other person told me over the phone. I was told if I had gone back in the first hour, they could have fixed the mistake but then it “took” after an hour, depositing only the amount missing a couple of zeroes.

So, pay attention to bank transactions immediately and especially within an hour. When in the bank, verify what they are doing. Then check your bank receipts and pull up images of the check that was deposited.

Often there is up to a 10-day timing to resolve a case. So, your account won’t reflect the correction for at least a day up to ten.

Now that our accounts are compromised by a Treasury breech (we do not know if the information was downloaded to another server or whether the tech kids took some data), watch your financial activity to make sure it isn’t going to have any fraud or withdrawals that you did not make. You might want to log in daily just to make sure.

Compound this with the dissolution of the Consumer Financial Protection Bureau, which investigates fraud and helped victims recover their money. If you get scammed, you may not have this agency to help and protect you, nor help recover the losses.

Call your bank as soon as you see something that looks “off,” even a small amount. Scammers might be testing a small transaction to verify the account, then later a larger amount. You should change your bank account number and/or debit/credit card number (whichever way the charge came in) so no more is taken out.

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Pay Attention to Bank Transactions

Pay Attention to Bank Transactions

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