Rude Service Costs Bank Of America Yet Another Customer

Jim over at Blueprint for Financial Prosperity closed his Bank of America account after a teller forced him to fill out a deposit slip. Jim doesn’t care for deposit slips, calling them “a wasted branch on a tree we’d otherwise like to keep around,” and likes tellers to double-check his math. Even though Jim yielded and started to fill out a slip, the teller tapped a reserve of rudeness that inspired him to close his account.

So she pulled out a deposit slip and told me to fill out my name and address on the slip (useless!). Then she put a calculator in my face and told me to add up the checks. All of this was pretty terse and borderline rude but I was content to let it go. As I added up the checks and showed her the calculator, she proceeds to read out the numbers really loudly over and over again. Is there no sense of privacy? I can understand her reading them back softly, but she was speaking more than normal indoor voice.

Okay fine, whatever, at this point the interaction hadn’t gone great but it was hardly worth closing an account over. Then she looks at my balance and tried to sell me on a certificate of deposit. I politely declined. She persisted by saying I was losing money by putting my money in a regular checking account. She’s right, but I still politely declined. Then she proceeded to start talking to the customer waiting behind me! No good bye, no thank you have a nice day, nothing.

That, Bank of America, was the proverbial straw. Keep that lousy $6 you got for giving me an interest rate of 1.0%, which is essentially paying an annual fee anyway, and keep your other worthless products. We’re outta here.

Bank of America is like goatse. You hear the stories, but don’t really believe it will be that bad. How could anything be so repulsive?

And then you open an account and discover that it’s even worse than you thought. Sorry you had to learn the hard way.

Bank of America Is The Suck [Blueprint For Financial Prosperity]
RELATED: Round 25: Bank Of America vs Toys R’ Us
(Photo: meghannmarco)


Edit Your Comment

  1. jodles says:

    hey, lets not talk about goatse….

  2. JmoneyGangsta says:

    My experience with BoA has been quite the opposite. I’ve read all the bad stories and what not, but my wife and I chose BoA (back in January) because we will soon be moving away from Knoxville, but we didn’t know where until just recently (due to potential job placement) and wanted a national bank (Knoxville’s options aren’t exactly huge in that respect). Our experience with them has been quite nice actually. Maybe it’s Knoxville, but all of the employees downtown (the only reasonably close bank location) are extremely nice and helpful and even know me by name. They are always more than helpful and it’s actually quite refreshing. I’m afraid, however, to see what happens when we move to Chicago…

  3. SuffolkHouse says:

    LaSalle Bank in Chicago is now owned by the Bank of America. I thought LaSalle was terrible! Bank of America will show them that they were consumed because they were just too polite, an anachronism in banking these days.

  4. timmus says:

    In 2002 I closed my commercial accounts at Bank of America because no one at the local branch would lift a finger to help after someone used our routing & ABA numbers to buy porn via iBill and CCBill. Unbelievably, the porn billing companies were more professional and helpful than Bank of America in reversing the charges. I went down the next day, closed the accounts, got a big ol’ cashier’s check, and went to our downtown regional bank and have been there ever since. When I left Bank of America I asked whether our accounts were really closed or if more porn charges would hit our account, and everyone I talked to there, including the managers, shrugged and had no idea.

    And of course my regional bank isn’t constantly asking whether I’m in Georgia on their telephone and websites… something Bank of America seems to always do (or at least did back in 2002) for some inexplicable reason.

  5. Exek says:

    Then this is will be the same guy that complains that his deposits got lost or posted late. I used to work for a medium size bank back in the days and the deposits are not handle at the branch itself it gets sent out to a proof department. Now the proof worker who is processing the deposit can’t look up account numbers like the tellers can when you come into the branch what they do is just go by whatever number is posted on the ticket. Now let’s say they are having hard time deciphering what the number is they just put it on the side for later processing (delay in your account being credited properly.) now not having your name and address on the ticket screws things up since they use that info to do a search and verify that they are posted it to the right account. If they cant find it then they will call the local branch to see who’s account was it supposed to go to which adds another day or two for the account to be credited.

    I don’t know about you but i rather spend the 30 seconds and write my name and address than having to call customer service and be stuck on a 30 minute call wait que to find out where is my deposits.

  6. FreeMarketGravy says:

    Unless BoA is different from every bank I’ve ever been in or heard about, you have to fill out a deposit slip in order for the transaction to be completed.

    The rest of the story sounds like a typical “horrible customer service” story (even if Jim does come across as difficult and rude himself at points), but his refusal to fill out a deposit slip as though it’s a voluntary thing and his self-righteous justification on top of it is silly.

  7. MaelstromRider says:

    While there is no excuse for rude customer service, arguing about filling out a deposit slip is just stupid. Don’t argue with a low-paid, low-level employee about not following the bank’s rules.

  8. thirdbase says:

    Listen, do your own math and fill out the deposit receipt. Problem solved. You want special service. She’s a bank teller not a concierge.

  9. Falconfire says:

    pure hostile customer story. Those deposit slips are there for a reason. While YOU might think they are stupid, its there so the people BEHIND THE SCENES can do their job.

    If you REALLY didnt want to use a deposit slip, you should have done it at a ATM, which while you dont realize it, generates a deposit slip it’s self for you.

    What, did you think the teller actually did the deposit?

    Are you on drugs?

  10. mayrc87 says:

    I have had an account with BoA for 6 months, and had only good experiences. Can’t say the same for Citi Bank, which I had an account for over 2 years and closed for bad costumer service.

  11. Buran says:

    @Falconfire: I think the problem was the rude teller, not the deposit slip itself.

    That said, rude employees are everywhere. This isn’t something you can escape by changing banks. I have to wonder why the OP didn’t complain to the manager or call in to customer service to file a complaint.

    It’s understandable when someone might be unhappy with a business and want to change to another one, but something like this (and the existence of deposit slips) isn’t something that you can run and hide from.

    I haven’t been using deposit slips with my BofA ATM deposits, though. I think the ATM stamps the envelope with your account info when you insert it, and if your name and address isn’t properly attached to your account, you have far worse problems than rude tellers and deposit slips.

  12. Johntastic says:

    I can’t believe that for once in my life, I am actually siding with BoA!

    I haven’t been a teller in a long time and everytime we tell stories like this, we tend to make ourselves look a little better than what the reality was. Depending on just how forceful you were in declining a deposit slip, yes, the teller might have gotten a little rude back to impress upon you the importance of filling one out.

    As for the upsell? It’s her job. You declined and it was her job, again, to make another attempt.

    Could she have been nicer about it? Yes. Did you start things off on the wrong foot? Probably.

  13. pssshwhatever says:

    I’ve just about had it with Bank of America. A few weeks ago, I overdrew my account because of admittedly some math errors on my part, but also because none of the hundred alerts I signed up for through BoA worked at all. I go to college away from home, so I don’t live where my bank statements go, which is why I opted into email alerts, cell phone alerts, everything I could get that didn’t go to my physical address. All these alerts assured me that they would notify me at soon as I overdrew my account, if I ever did, and I took them at their word.

    Well, I overdrew my account for the first time EVER in the 4 years that I’ve been with BoA (I’m not blaming them for the initial overdraw, it was my fault, I thought my rent check had already been deposited since I had turned it in three weeks prior, but my landlady got lazy last month apparently) and nothing worked. None of the alerts. No emails, no phone calls or text messages, nothing. I continued to do this for 4 days until my mom called me and said that she had received a notice in the mail that I had overdrawn. I look at my bank account, and I had $600 in overdraft fees for transactions that totaled less than $100. I never debit anything more than $25 because I have a credit card with rewards, I just carry a debit as a cash substitute for small things since I don’t like carrying cash.

    I call their customer service to complain about the alerts, since obviously I would have STOPPED debiting and used my credit card if I had been notified as I had requested to be notified (and BoA had assured me I would be notified). Or I just wouldn’t have made those purchases period, because it clearly shows that they were usually for a meal here and there. I didn’t expect them to refund all of my fees, because the initial overdraw was indeed my fault, but I thought it was fair that they should refund the fees incurred after the point where their services should have notified me as I was promised they would. That was an error in their system, not on my part. The whole point of signing up for those alerts is so that you don’t have to check your account every day, correct?

    I usually check mine once a week, which I think is perfectly reasonable since I don’t spend very much money, and their system allowed me to overdraft for 4 days without sending me any notification or putting a hold on my debit card. The lady at customer service that I spoke to was very rude, condescending, and refused to acknowledge that it was indeed the bank’s error that the requested alerts were not sent, even though she acknowledged that her system indicated I was signed up for pretty much every alert they offer and that it was completely illogical that I would ignore them, given that I also have a credit card with BoA that I would have obviously used to make those purchases, had I been alerted that I was overdrawing.

    I ended up getting only $100 of the fees back, but the whole thing seems a bit fraudulent to me – promise customers you’ll alert them as soon as they overdraw to give them a false sense of security, completely fail to alert them for 4 days, refuse to refund the hundreds of dollars of fees you charged them because the customer trusted that they’d be alerted if something was wrong with their account.

    Like I said, I understand that overdrawing was my fault and didn’t expect to get all the fees back, but they didn’t fulfill a single promise they made as far as their account monitoring goes, so I expect them to at least make that part right.

  14. Buran says:

    I also want to note that acknowledging other people waiting is just plain good manners. I don’t like being totally ignored, especially if the person in front of me is taking forever. Way too many clerks just pretend you aren’t there until you get up to the counter.

    I’m not asking much. I just want a polite “Hi! Just be a moment” or something. Not a discussion of War and Peace.

    If you can’t handle someone shifting their attention to someone else other than you, you have ego problems… there’s no description of what she said to someone else, but if it was just a hello or something, my sympathy is gone.

  15. ClayS says:

    It really doesn’t seem to take much to anger Jim; it might be his ego or maybe he’s just very tempermental. Asked to fill out a deposit slip at a bank?…who ever heard of such a crazy requirement! Obviously the teller was picking on him.

  16. macinjosh says:

    @pssshwhatever: Why don’t you have your bank account statements go to your college address?

  17. Copper says:

    @pssshwhatever: You should set up overdraft protection with that BoA credit card.

  18. dweebster says:

    There are a lot of reasons to hate BofA, but I don’t believe that their crazy bookkeeping process of requiring a deposit slip be filled out to deposit something is one of them. If the OP’s true intent was to save a deposit slip’s worth of tree, posting this story probably burned up more fossil fuels than that.

    I hate BofA for another reason, and it’s somewhat the opposite of the OP’s. Their ATMs promise to give you a receipt for your transaction, but AFTER you agree to pay them their $2 fee (I use another bank for my checking) and they spit out your cash – the ATM will say “oh, I don’t have any receipt paper” and viola! – no receipt. Now I’m not a big fan of funding the cocaine habits of my banker’s upper management with $29 overdraft fees and such, so I prefer to receive a written receipt with each transaction to be sure I account accurately for withdrawals (and deposits).

    So, when it comes to the CUSTOMER’s accounting needs – Bank of America could give a royal shit. Those “superfluous” ATM receipts have just as much validity to me as the damn deposit slips that the tellers require, but BofA runs their “bank” like a friggin’ flea market when it comes to taking care of customers. Glad I don’t normally bank there.

  19. friendlynerd says:

    I’ve forgotten to fill out deposit slips at Commerce Bank before.

    You know what the teller did? Filled one out for me. Not hard, didn’t take more than 20 seconds, an made me a happy customer.

    Everyone saying it’s the customer’s fault need to be checked for Stockholm syndrome

  20. NYBanker says:

    Being a bank teller is an underappreciated and difficult job. It’s important to be fast AND accurate, while looking for fraudulent transactions, being friendly, and referring customers to customer service reps when appropriate. The LEAST a customer can do is have the deposit ready BEFORE reaching the front of the line, including a properly filled out deposit ticket and checks that have been endorsed. That’s what the checkwriting stations are for, and it’s also respectful of the customers in line behind you waiting for service. Lastly, it is not the teller’s job to add up your checks and check your math, and if you want him or her to do that it would make sense to ask nicely for help rather than acting like a spoiled brat!
    The author of the post needs to grow up and learn some manners. Perhaps if he had been more prepared and polite, the teller would have provided better service. We will never know……..

  21. microbreak says:

    There are many reasons why a teller requests you fill out a deposit ticket yourself:

    – If there is a line, this reduces the time it takes to complete a transaction because the ticket is filled out in line instead of at the beginning of each transaction.

    – It helps reduce the chance of error if your name, account number, dollar amounts, and signature are on the check. If you write it, the teller reviews it, then processes it…there are two people that actively reviewed the transaction before sending off to be processed. Had the teller written everything in themself, there could likely be an error since they most likely know you less than you know yourself.

    – Reduces the chance that they can be blamed for screwing up a transaction. If you write that you want $100 back and $200 in the account, but actually wanted the reverse…you can only blame yourself for the mistake because the teller followed your orders.

    – Reduces the chance to allow a dishonest teller from ripping you off. If you deposit a check and want no cash back but do not completely fill out the ticket nor line out the line for cash back, you run the risk of a person filling in the blanks and taking money from your account. If you fill all this in, you reduce your risk from having this happen to you.

    – Not that you are a criminal in any way, but another reason banks want you to fill out the slip is to get fingerprints and handwriting on something in case you decide to rob them.

    With all that in mind, I don’t think it is THAT big of a deal for a teller to fill out some of their customers’ tickets some of the time. If that is the reason a customer keeps their account with a bank, it is a very cheap benefit to accommodate to keep the customer.

  22. FilthyHarry says:

    I quit working for BofA over 2 years ago, and to this day when I call for a service they say they can’t help me because they need to xfer me over to employee support. I tell them I’m not an employee anymore, they tell me the employee support people can fix that, they send me over to employee support, they help me with my original problem and then tell me they’ll update my account to reflect I’m not an employee anymore and sure enough next time I call, same thing over again.

  23. jefffromNY says:

    I loathe BofA I cancelled my account for the same type of shoddy service, but nothing is worse than goatse.

  24. DeepFriar says:

    One branch has rude tellers, so I’m supposed to hate the whole company?

    Name the branch and we can hate on that, but let’s put it in perspective here.

  25. GearheadGeek says:

    @NYBanker: while I would agree with the overall idea of your comment, I’d say that the BIG reason to prepare your deposit in advance is as a courtesy to those who may be waiting behind you, not so much to the teller since it is in fact their job to handle deposit and withdrawal transactions.

    Your comment that’s really wrong is “Lastly, it is not the teller’s job to add up your checks and check your math…” It is in fact the teller’s job to assure that what you present for deposit is accurate. This isn’t to protect you, it’s to protect the bank and the teller. If your math is off and the teller just blindly accepts what you put on your deposit slip as accurate, the teller’s till won’t balance and more work will have to go into figuring out why.

  26. BugMeNot2 says:

    @friendlynerd: It’s the customer’s responsibility to fill out the deposit slip. It’s nice if the teller helps you if you forgot, but it’s not blaming the consumer when the consumer refuses to do it. The teller’s also not required to help you wipe your ass, just so you know. :P

  27. SOhp101 says:

    People should stop whining about how he didn’t fill out the deposit slip. Guess what, nearly every bank I’ve been to, if you forget to fill out your slip they just simply ask you to slide your ATM card, put in your PIN number, and they verify all numbers with you before completing the transaction.

    But the OP probably didn’t have much money in his account(s) for the branch manager to give a shit. No wonder it was closed without a hitch.

  28. retroleum says:


    In your case, I would personally go down to the nearest BoA branch and speak to the employees personally. Jim might not have had a good experience, but I’ve personally found the employees at my local branch at home AND the larger branch at school very helpful and understanding.

    Their phone lines, on the other hand, have never done a thing for me. They couldn’t help me with a problem at all, whereas the branch employees solved it for me in 5 minutes (incidentally, it also had to do with refunding overdraft fees).

    Generally, though, I’m with DeepFriar on this one… one branch (much less, one employee) says nothing about the whole company. I’ve even run into incredibly helpful and knowledgeable Best Buy employees before (but I could not steal his pot o’ gold).

  29. azntg says:

    Part bad customer and part bad employee, if I have to make a judgement.

    First, it looks like Jim did not follow standard bank procedures and expected things to be done automatically. Environmental concerns are not exactly a legit excuse if the service revolves entirely around the paper in concern.

    I’m not sure what Jim is referring to when he says “double check my math” even though he didn’t initially count out the amount. Double check what math? One that’s in your imagination? Come on! Even to me, that’s pushing it!

    I’m sure the teller would’ve been more than happy to verify the sum after he filled out an initial deposit slip.

    On the other hand, the bank teller was not a professional either. She could’ve discreetly handed over a deposit slip and a calculator, ask the man quietly to fill it out and come back as soon as he’s done. And reading out the numbers out loud for all to hear? Sound the buzzer!

  30. landsnark says:

    Worst. Bank. Ever.

    Signed up with BoA in 2004 – the person who opened the account assured me the account was free, 2 weeks later I notice a $5/month charge. They were surly every time I called them – should have canceled then, but didn’t.

    Fast forward a year, overseas – I needed a lot of money, so I first withdrew a small amount of money from an ATM as a test. $5 fee, okay, a bit steep, but whatever. Withdraw a much larger amount, they charged me a $110 withdrawal fee!!!

    After several phone calls with more surly CSRs, they absolutely would not refund any of this, so I closed the account just to stop the hemorrhaging.

  31. Everyone seems to focus on the deposit slip, which I filled out without any complaint after she asked me to, and I also added up the checks, after she asked me to and put the calculator in my face, but it was the reading aloud of the numbers, repeatedly, and then dismissing me without as much as a good bye that bothered me.

  32. outphase says:

    @jefffromNY: I have 2 girls and 1 cup who would like to disagree with nothing being worse than goatse.

  33. MaelstromRider says:

    @friendlynerd: There’s a difference between forgetting to fill out a deposit slip and refusing to fill one out.

  34. NYBanker says:


    Bank tellers do not routinely check addition on deposits consisting of checks only. That is the customer’s responsibility, or the bookkeeper’s job. They do look for checks that are endorsed properly, made payable to the person who is depositing the items AND that that person owns the account they’re being deposited into. It’s only for CASH transactions that they have to balance their drawer by the end of the day. For example, they DO add up all checks being cashed, or when they give cash back as part of a transaction. But this author’s post says nothing about cash. Moreover, addition and/or transposition errors should be caught by back office reconciliation, that is their primary function. Bank tellers do not run a tape or use a calculator to add up a stack of checks being deposited by a customer. They should however make sure that the number of checks listed on the deposit slip matches the number of checks that the customer hands to them, because a check may be listed but not deposited due to a customer oversight. Your misconceptions about teller duties are very common, by the way.

    Separately, customers should use pre-printed deposit tickets, not the blank counter deposit slips. It is too easy to fill out the wrong account number on a blank slip, or to mis-read someone’s handwriting (my 2s sometimes look like 7s, for example). Asking for a teller to fill out the slip for you is also leaving the customer vulnerable to either an honest or dishonest mistake caused by the teller. And never forget to ask for a receipt! That is the most reliable proof you have that you made a deposit, and it’s helpful to have the date, time, amount and teller # on the slip in case there is a dispute. These suggestions protect both the teller and the customer.

  35. @MaelstromRider: I didn’t refuse, I just hadn’t ever done it before and no one ever told me it was required. That being said, I didn’t have a problem filling one out.

  36. NYBanker says:

    Ultimately, she went out of her way to be rude rather than going out of her way to please you. That part is unacceptable, and she should not be in a customer-service position if she cannot handle demanding customers.

  37. nycdor says:

    Definitely worst bank ever!!

    I signed up for B of A the week I was moving away from California. I told the guy who helped me (several times) that the only reason I was signing up for B of A was because I was going to be traveling all over the country for six months and wanted the ability to make cash deposits AT ATMS in various cities all over the country.

    Come to find out California is on a totally different banking system and there was no way for me to make cash deposits in ATMs. Cut to me having to stand in line every time I wanted to do anything but simply withdraw cash. Every time, the teller would be all “OH YOU HAVE A *CALIFORNIA* ACCOUNT? Well you have to call this number, we can’t pull you up here….”

    MADDENING. The guy knew he was opening up an account for me I would be going thru inconvenience after inconvenience just to be able to use.

    As soon as I settled in NYC I got the hell out of there. WaMu has never pissed me off half as badly.

  38. johnva says:

    I hate to become known as the resident BoA apologist/BoA victim blamer…but…

    This doesn’t seem like a serious complaint to me. Is it really that big a deal that they made you fill out a deposit slip? It’s for YOUR protection as well as theirs. Of course they shouldn’t have been “rude”, but like people have said there are rude employees everywhere.

    And I’ve never had a serious problem with BoA in the 10 years I’ve banked with them. No rampant fees, etc, and the few times I had a problem with my account I just sat down with someone in my branch and they fixed it with no trouble. Just don’t overdraw your account, as they are pretty brutal in that case.

  39. eben56 says:

    My bank (credit union) does not want you to use deposit slips any more. None are sent with your checks and they make a point of advertising about being green.

    When you deposit, you are asked your account number. If you night deposit, they just request you sign the back “for deposit only account #xxxxxxx.

    On a BOA sidenote, When my father-in-law sold his house, he deposited a $185,000 check in his BOA account. The held it for 14 days, “to make sure it cleared”. FIL was not happy as he had contractors, etc expecting payment for his new house work. Reasonable? The kicker was that the check he deposited was a bank check issued by BOA. They knew 10 minutes after the deposit whether the check was good.

  40. KogeLiz says:

    I like Bank Of America.
    In the last two years, I don’t think I’ve gone inside to do any banking (useless), but when I did, it was amazing how nice everyone was.

    I also have no ideas what fees people are talking about.

  41. Joe S Chmo says:

    You should have put your deposit in the ATM if you are trying to save paper. (Although trees ARE a renewable resource).

  42. chrisgeleven says:

    Never had a problem with Bank of America. Been with them (and Fleet before they were bought by BoA) since 2000.

    The BoA ATM down the street from my apartmentn is perfect for me to do all of my banking needs. I never have to go to a bank branch.

  43. APowerCosmic says:

    I have to agree with a few of the others here. If you insist on banking in the bank instead of the ATM, you might as well learn that you have to write a slip. I mean everytime I go to the bank, I already know the figures simply because I trust no one else with my money more than me.

    Seems to the customer service was rude, but sounds like Jim came in with a chip on his shoulder!

  44. BugMeNot2 says:

    @pfblueprint: Everyone seems to be focusing on the deposit slip because so much of the OP focuses on the deposit slip: “Jim over at Blueprint for Financial Prosperity closed his Bank of America account after a teller forced him to fill out a deposit slip.”

    Having said that, the teller did seem rather rude from your side of the story. Of course, you’re bound to run into rude employees in service industries. Unfortunate fact of life.

  45. GearheadGeek says:

    @MRsteve: I never make deposits via ATM if I can avoid it, and never EVER deposit anything via ATM but checks endorsed with my account number, because the “receipt” you get from ATMs really just proves that you shoved an envelope into the thing, not what the contents of that envelope were. I’ve heard that some banks have “scanning” ATMs for deposits but neither of mine do, and I don’t trust ATMs beyond giving me cash if I can avoid it.

  46. TPS Reporter says:

    I have a credit union and the tellers in there recognize my wife and I. So I have actually never used a deposit slip, and I’ve been there for 13 years. But that is a credit union. And apparently if ther customer habeen with BofA for awhile, other tellers he has deposed with must NOT have asked for a deposit slip, otherwise why would he be indignant? Unless the was the very 1st deposit on this account thru a teller. He might have been rude, but being rude does not matter really, as she is apparently paid to try to sell CD’s as well as be professional with the customer.

  47. pssshwhatever says:

    @macinjosh: Because I’m in a college town and most people here move every year and the post office here is notoriously terrible at following change of address requests. I get bank statements for people that used to live here all the time, and I’ve lived in this apartment for almost a full year. I don’t want my bank statements (and the loads of personal information they contain) to be delivered to strangers that live here after I do. And trying to get BoA to accurately process a change of address request is next to impossible. At least I know my parents aren’t going to steal my identity, eh?

  48. spinachdip says:

    @NYBanker: That was my takeaway. yeah, the OP was unreasonable in his expectations, but part of working in customer service is being courteous and professional even when dealing with difficult (though obviously not dangerous or disruptive) customers. Both sides are losers in this story, I think.

    @nycdor: This happens with Citibank – I opened my account in California and that confuses the crap out of NY branches sometimes. When I make large deposits, Just to be safe, I make sure to write “ACCOUNT OPENED IN CALIFORNIA” on the slip.

  49. Sarge1985 says:

    @NYBanker: I’m glad I don’t bank with your bank. The tellers at my financial institution ALWAYS double check my math on the deposit slips, even when it is only checks. I watch them do it and I am glad they do because sometimes the client makes a mistake even when using a calculator.

  50. samurailynn says:

    @Exek: It may be true that a deposit slip needs to be filled out, but it’s not as though the teller can’t do it. The couple of times that I’ve taken a deposit into my bank (Wells Fargo) and not had a deposit slip prepared, they just filled one out for me. If I’m getting cash back from the deposit, then they’ll have me sign it, but otherwise they don’t even ask me to look it at it, they just stick it with the checks and hand me a receipt.

  51. johnva says:

    @spinachdip: I think some of this sort of problem is caused by the fact that a lot of the big banks have grown by acquiring many regional banks. Thus, they may have many different semi-incompatible computer systems. For the record, I’ve never had this problem with BoA. The routing number tells them which state your account was opened in (they publish the list of different routing numbers on their website). But how well that works may depend on which particular states you’re dealing with. It SHOULDN’T be an issue, but sometimes it is.

  52. spinachdip says:

    @johnva: To be fair, the confusion over the California account rarely happens, not enough to make me switch banks or anything. But for whatever reason, it’s happened with large deposits so I just try to be safe.

  53. mac-phisto says:

    i had a similar issue with bank of america. i know you have to fill out deposit slips, so for a long time i did. then, one day i went in & as i approached the “slip counter”, the teller waved me over & said i didn’t need one. this happened a few separate times before i just started bypassing the slip counter.

    about a week ago, i walked in, waited my turn in line & approached the teller window. i asked if i could deposit my cash – “do you have a deposit slip?” i didn’t need one when i came in yesterday, so no, i don’t have one. “please fill out a slip – you’ll find them on the counter behind you.”

    fill out the slip, get back in the queue (wait another 5 minutes for service) & make my deposit.

    friday i stopped in, proceeded to the slip counter & a teller asked if she could help me. i told her i needed to fill out a deposit slip. “don’t worry about that, i can help you.”


    i don’t mind filling out a slip – i know it is for my benefit, but either require it or don’t require it. don’t pull this crap of selective slippage – if i want to deal with that, i’ll find a reason to go to the dmv.

  54. itsgene says:

    When I fill out a deposit slip at my local Wells Fargo, I never put my address on it. Just my account number. Somehow, my deposits still manage to post within a day or two. I guess the behind-the-scenes people at WF have better systems than the BOA people.

  55. johnva says:

    @mac-phisto: Personally, I would think it’s more important to fill out a deposit slip with a cash deposit (since there isn’t the built-in paper trail provided by the canceled check). So maybe that’s part of the inconsistency, though not all.

  56. Jeff asks: "WTF could you possibly have been thinking? says:

    Sorry, guys. I side with the teller on this one.
    This asshat rushes into the bank (probably crowded and busy), unprepared, expects a busy teller to waste her and other customer’s time doing his legwork,and then gets all huffy because she tells him to do it himself?
    That’s why they have that little counter on the other side of the bank with deposit slips and calculators and pens so if you happen to have left your checkbook at home or didn’t get a chance at work to fill out a deposit slip you can still conduct business.
    He probably cut in line too……..
    5 minutes before closing…..on a Friday……

  57. kc2gvx says:

    Maybe I am missing something here major, but every bank requires customers to complete a deposit slip to deposit cash or checks into their accounts. Without it, your checks will get lost in processing. As for the rudeness and lack of privacy, there is no excuse. The bank I am a manager for also does not require the tellers to add your checks. We take whatever total the customer writes, and put it through. The processing center verifies everything, and adjusts customer accounts as needed the next business day.

  58. PeteyNice says:

    It is the upselling that would make me cancel the account. If I was aggressively upsold like that every time I went into my bank it wouldn’t be my bank anymore. First Union/Wachovia has never even mentioned to me that they do anything more than checking accounts. That is the way it should be. If I were interested in a CD or a savings account or whatever I would ask.

    The whole “California Account” thing reminded me of when I was in college in CT and there was one person at the local First Union branch that could deposit checks I got from my campus job into my NJ-based checking account. Before I learned of the magic that is direct deposit I would have to call ahead to make sure she was there before I went to the bank.

  59. Angryrider says:

    Heh both sides amuse me. The customer is touchy about not filling in his deposit slip, something that could be done in mere minutes, and the clerk is just being an ass.

  60. Roxie says:

    Are you kidding me? What planet has Jim come from? Does he think that bank work gets processed by magic, and bank people print and provide deposit slips to customers for their health and they don’t actually need them to get their work done? And how did he come up with this idea that he can save the planet by not using deposit slips? What Jim doesn’t realize is that HE might not be wasting paper by using deposit slips himself, but the bank will have to waste paper on HIM by filling out their own “credit memo” or “missing deposit” slips. So that’s my first problem with all this–Jim himself thinks he isn’t getting his pretty little hands dirty in the name of saving the planet. But someone else will waste their paper on him anyway, on his behalf, so what he’s doing (or not doing) is useless. Secondly, it’s downright rude to show up at a teller window with a bunch of checks and say “Deposit this into my account!” and have no deposit slip to go along with it. If you don’t have a deposit slip, a teller’s going to assume that you’re not prepared at all and you have no idea of how much you’re actually depositing into your account, and that means you’re not even ready to go up to the teller to make your deposit to begin with. Depending on how many customers are waiting in line behind you and how many other tellers are available to help them, you end up making them wait longer in line, and for what? So one person can save the planet? Please…. *rolls eyes*

    If you want good service from a teller, then you have to be a good customer. Aside from being pleasant and polite, a good customer also has to be prepared. Be sure to endorse all your checks PROPERLY (signature, account number, and “for deposit only” in the space provided on the other side of the check) and fill out a deposit slip completely, so that all the teller has to do is process the transaction, no questions asked, and keep the line of customers moving. That’s all there is to it. Jim didn’t do that, and he hassled the teller by not having his deposit fully prepared beforehand, so he got EXACTLY what he deserved. I’m usually not so fond of BoA myself, but in this case, I’m totally siding with the teller and the bank, and it’s his own fault that he got treated badly. Good riddance to him, though I’d feel bad for the next bank he’d want to do business with in the future if he pulls this same BS on the tellers there.

  61. I enjoy reading how people are reading into my psyche but aren’t reading the words I put down on the screen. I never meant to insult anyone by not filling out a deposit slip and I don’t feel any sense of entitlement.

    One thing I am surprised by is how significant the deposit slip is. I submit, had I known it was an insult to not do it, I would’ve certainly done it. I fully admit that not filling out a deposit slip was my error but I didn’t know that it was crucial in the banking process because I had not filled it out in the past and it wasn’t a problem.

  62. @Angryrider: I wasn’t touchy about the slip, it was the reading of my deposit amount and the dismissal that bothered me.

  63. james1844 says:

    I am with Pfblueprint on this one.

    First, off I hate filling out deposit slips. In my view, they are asking customers to take some of the work that should rightfully be done by tellers. Paperwork should be the banks job.

    Second, its very rude to read the customer’s account amounts out loud. Its a de facto violation of privacy. For that matter, what if the person behind you in line is a thief? Then they will know how much money they can steal from you.

    Third, trying to sell a CD after being rude to a customer adds insult to injury. Its crass and suggests the teller is not very sensitive to the needs of customers.



  64. @pfblueprint: Jim, if the customer service was subpar or you disagree with the bank’s practices or policies, then it is certainly your prerogative to cease doing business with BofA.

    I have no doubt the teller was rude, but I also seems the teller felt you were being difficult (because truthfully, I have never HEARD of someone make deposit without a slip being filled out by me or the teller –and the latter I know is a courtesy) and thus, gave you an attitude. And that was wrong. Perhaps in the future it might serve you better to take up such issues with the branch manager, rather than boycott the entire bank?

    And as for the CD Offer, you must know the tellers are commanded to spout verbiage about the bank’s weekly promotion, right? Think of it as similar to McDonald’s ‘Would you like to SuperSize that?’ script.

  65. lukobe says:

    I’ve never had trouble with BoA….

  66. SeaKaySea says:

    When BofA starting going after the business if illegal immigrants by not requiring SSNs to open an account (only for the illegals, not me those who actually have SSNs) I pulled all my accounts, closed all credit cards associated with them and called it a day. As far as I am concerned, they are now the Bank of Mexico.

  67. DwightIsMyCopilot says:

    I used to be a bank teller as well as a proof operator, and I can tell you that deposit slips are there for a reason. At the very least, proof operators need them there to check your math in the system. That simple. And no, it’s not her job to fill out a deposit slip for you. It’s her job to double check, but not to just do all of your work for you in your account.

  68. hadmatter says:

    first post here on consumerist. i signed up just to comment on this forum.

    i am a teller. we are liable for mistakes with our work and our cash drawer. it is not the most challenging job in the world. if it is busy, filling out your ticket work is not only courteous to everyone in line behind you, but it also reduces the risk of error.

    i personally do not want to lose my job because you think you are above basic accounting practices. it is not only advisable, but intelligent to take a personal role in your finances. i can barely comprehend the number of young people that are incapable of filling out a deposit slip. if you don’t want to fill one out, use the atm. i am a person not a machine.

    if thirty seconds to a minute is too much time for you to spend making sure the money goes into your account, then i propose you piss off.

    i bet the author of this here letter also talks on his cellphone when in line at starbucks/the bank/etc.

    i don’t understand why people think they deserve the privilege of going through life without having to perform the same basic routines as everyone else.

    i can barely collect my thoughts this makes me so angry.

  69. Buran says:

    @GearheadGeek: BofA does have scanning ATMs. My now-ex boyfriend has them in his area (33073) but I do not know of any here (63144). He told me in the past that so far he has not personally had any problem with them.

    They also spit out a scanned image of the check(s) deposited on the receipt you are given.

  70. BugMeNot2 says:

    I bet Jim’s going to be filling out his deposit slips from now on. ;)

  71. sean98125 says:

    I deposit all the time at my credit union without a deposit slip. I just endorse the check and put the account number on the back “for deposit only”. The teller gives me a receipt for the deposit amount. The slip is a waste of time for face to face deposits, unless you also want to take some cash out of the deposit that you’re making.

  72. @sean98125: Every bank has different policies. My credit union or ING accounts don’t require slips, my BofA and WaMu accounts do. I fill out slips all the time because people are human and make mistakes and I want to have as much evidence of my deposits as possible. I’ve had to fight banks about credits a few times and trust, a deposit slip helps reduce the hassle greatly.

  73. @BugMeNot2: Ahhh excellent point, I didn’t notice that.

    For the record, I have no problem filling out deposit slips! :)

  74. @Buran: Oh… I LOVE those. The check clears almost immediately and they accept cash bill by bill.

  75. @DwightIsMyCopilot: Great point. I think few people realize that the deposits are validated by a third invisible party, not just the teller.

  76. Binks says:

    Huh… all this talk of “deposit slips” is pretty out there.

    I was with Canada Trust (now TD Canada Trust), and never in my life have I filled out a deposit slip. I (with my parents) opened up an account when I was 8 years old, and even way back then a deposit slip was NEVER required.

    You hand them your money, they enter it into the computer, a slip is printed out so you can verify all the amounts, you sign it and hand it back to them. No fuss, no muss.

    The result? A paper backup copy, with a real signature, and the opportunity for you to catch any errors on the teller’s part.

    Sounds like a great system to me. I donno what’s up with American banking…

  77. FishtownYo says:

    For the Philly people!A house on Girard ave directly across from a bank of america branch has a banner that states: “I HATE BANK OF AMERICA!”, in bright yellow. This would be in Fishtown. It’s nucking futs!

  78. azntg says:

    @pfblueprint: Listen. It’s very simple… if you don’t want people reading into your psyche (whether sarcasm was intended or not) and focusing more on the article itself, don’t make posts that expose yourself as a jerk along with the bank as well or at least can be construed in that manner. Some people will never read the article in its entirety, if not read at all, but the bandwagon effect remains

    You got your excuse to leave BoA and you got your 15 minutes of fame.

    @Binks: Now that’s not a bad idea at all!

    Do they also hand you a receipt or another copy of the slip for you to keep for your own records?

    @teahead215: Sweet! Pictures say more than words though…

    Must be as funny as that cardboard poster over a veranda that says in large font: “Hello Verizon. We’re definitely at home. It’s the doorbell on the left” (and a red arrow pointing to the doorbell)

  79. lainykai says:

    I have been a BoA customer for over four years and I have to say I am very pleased. Very rarely do I have to go inside. Just recently someone used my debit card number fraudulently. I made a call and within 30 minutes my card was reported stolen, all the money was put back in my account and my new card was on its way. When I went in the next day to withdraw some cash everyone was very polite and friendly. I agree that no company is perfect and I’m sure that the teller could have filled the slip out for you. I just don’t see it as a reason for me to hate on BoA. Especially since they have always done right by me.

  80. joebloe says:

    I hate all banks. May they go down with the mortgage mess.

  81. witeowl says:

    Since such a big deal was made about the deposit slip (and the idea that they waste trees), let me point one thing out: If he’s so concerned about trees, he should use the deposit slips from the back of his check book. Those trees have already been killed.

    Also, if she handed him a deposit slip, I think it’s safe to say that she expected him to step aside until he finished completing the slip, allowing her to help other customers in the meantime. The fact that he didn’t probably helped escalate the situation and explains (though doesn’t necessarily excuse) some of her behavior.

  82. @pfblueprint: You keep saying you didn’t have a problem filling out a deposit slip, but on your blog you write: When I walked up to the counter with my checks, the first thing the teller asks me is if I had counted the amount. I responded “No” because I wanted them to double check my math, as they always do. The responded with a bit of a roll of her eye and then asked me if I filled out a deposit slip. Again I said no, deposit slips are useless anyway. When she counts them up, she’ll print out a slip that goes with the checks and the deposit slip is just a wasted branch on a tree we’d otherwise like to keep around. This is what has happened the other half dozen times I’ve gone in to deposit a bunch of checks (and didn’t want to you the mechanized paper-cut maker of an ATM they have), the teller simply adds them up for you and you’re on your way.

    How is this NOT a refusal?

  83. chocxtc says:

    I hate BofA now. Was a customer for 23 years, opened my very first bank account with Crocker Bank, which later became BofA. They treated me like a second class customer, dinged me for fees up the wazoo, and when I tried to resolve the issue I noticed in the branch they treated non-english speaking customers with more respect than me. Who knows if those customers were legal, but they should be treating all customers that way. Especially those that have been with them that long.

  84. vietkangta says:

    My BOA works great. As a matter of fact, they have the new machine where you can just deposit your checks and cash outside and it automatically counts it for you. No need for customer service interations.

  85. @jodles: amen!

  86. freejazz38 says:

    I STILL haven’t figure out why ANYONE has an account with these scumbags. They offer the WORST customer service, they regularly lay off employees, and the HIGHEST fees. They are ALWAYS first to the fray to come up with a new fee to bilk customers. They are the PIG of the banking industry. Their slogan: Bank of America, Higher Fees.


  87. freejazz38 says:

    I have yet to figure out why ANYONE banks with these scumbags. They are the WORST of the industry. Highest Fees, WORST customer service, most employee layoffs. Their slogan: Bank of America, Higher Fees. WHY does anyone use them???

  88. Somebody please photoshop some golden arches on that BofA sign. They’re the biggest McBank out there. My wife and I were the experimental group/control group with them for awhile. She switched because we had tenants in a house we owned out of state who needed to go electronic transfers and they swore it was easier with McBofA, and our credit union didn’t reach out that far. So she opened an account with McBofA, which had nationwide reach. I stuck with my trusty credit union.

    Well, over the next year or so, I was enjoying really good customer service. She was cussing and fuming over McBofA on a regular basis. Occasionally, I had to do a deposit over at McBofA, and it was uniformly a royal pain in the ass, pretty much like the original article. The tenants moved out, we turned the property over to a manager (money well spent, IMO), and she couldn’t wait to fire McBofA – and never looked back.

    Moral – if you have access to a credit union, don’t even think of McBanking. It’s really like going to Emeril’s vs. grabbing a bag of cheeseburgers at the Mickey D’s drive-thru. Bigger doesn’t mean better. Ask your neighbor the Time/Warner Cable customer.

  89. witeowl says:

    @ceejeemcbeegee: That brings me to another point. If Jim says that he didn’t count the amount, how can the teller “double-check” his math?

  90. gamin says:

    I hate when I go to BoA to make a deposit i will have to actually fight with tellers about refusing to put my address. that is solely reason I stay from them ohh the fact they force me to have direct deposit

  91. etherealclarity says:

    I’d like to point out that the employees aren’t just TOLD to push accounts (such as CDs)… they get reamed out if they don’t get enough referrals. Yes, this woman was rude and probably shouldn’t have been, but the mention of the CD offer is gratuitous.

  92. johnva says:

    @freejazz38: Because they don’t charge ME any of those fees people are talking about constantly? And all my interactions with them have been good customer services?

  93. KogeLiz says:

    @Roxie: woah! right on.

  94. KogeLiz says:

    @SeaKaySea: That’s funny. That’s what made me WANT to bank with them. And I am American.

  95. mobilehavoc says:

    The reason I stay with BofA is their online account management site has a great application which lets you track all your accounts, credit cards, loans, etc. and run reports/create budgets. etc.

    It’s like Mint but from BofA and 100% free…also feel safer going with a big bank than a startup

  96. arkitect75 says:

    It seems that many people do not like filling out deposit slips. They are a good way our us, the customer, to verify what funds we are depositing, plus it gives the bank a hard copy of the deposit.

    The thing that bothers the hell out of me, are the people who run to the line, wait in it, then when they get to the teller, begin to fill out the deposit/withdraw slip. Or there are the ones that jump into line, and once they get close to the front, they ask someone to hold their place in line and go retrieve a slip.
    Banks supply those little counter tops for a reason. So next time, fill out you damn slip, THEN get in line like the rest of us. (It’s like the people who get in the express lane at the supermarket, set their items down, then run off to pick something else up).

  97. Rectilinear Propagation says:

    How is this NOT a refusal?


    From the way he has written this it’s hard to tell how much of what you’ve bolded was said out loud and how much of it is just what he was thinking. The way I read it he only said “No” and the rest of that was just his explanation to us as to why he hadn’t done it.

  98. Rectilinear Propagation says:

    As I added up the checks and showed her the calculator, she proceeds to read out the numbers really loudly over and over again.

    I don’t see how anything the customer did could have justified the teller informing the entire bank about his deposits.

  99. ehlaren says:


    I know bank deposit slips are sometimes a good thing to have but banks should have a processes in place where you can simply give them funds and they deposit the full amount straight to your account without the need for paperwork.

    You should know how much you’re putting in and every bank I’ve ever had hands you a printout of how much that was just deposited. So, you know how much just went in. If you didn’t know how much was SUPPOSED to go in then you are a moron.

    The only thing deposit slips have ever done for me is allow the teller to punch in what I wrote on the slip in without checking the actual amount on the check. This just allows mistakes into the system, screws up your account, and creates more work for the bank since they have to correct it. We are all human it is easy to make a mistake once a year.

  100. hi says:

    I went to BOA to set up a direct deposit for my rent. None of the people including the manager at the bank knew how to do it. When I got back to work I called BOA’s 800 number and the guy on the phone set it up in 5 minutes. You would think it would be the opposite (the guy on the phone should have been the moron and the people at the bank should have been the smart ones).

  101. Bonnet says:

    Another ex-teller here. When I was a teller, I was a recent college graduate, clean cut, and well spoken. However, on a daily basis I was treated like an illiterate jerk that was personally responsible for all the policies that customers did not like. I would say that I was screamed at by an angry customer on a weekly basis. And yes, after that treatment, you are expected to upsell – you job literally depends on it. I had a supervisor tell me that it was unacceptable to take no for an answer until they had refused 10 times. Ugh. It makes my stomach turn just thinking of how anxiety inducing that job is. So, yes, her attitude stunk, but knowing the job, I understand why.

  102. flowerofhighrank says:

    I am looking for a loan to buy my first house. My credit union has the first shot, then maybe WaMu and Wells Fargo? BofA has been my bank since the mid-90s, I’ve had good and bad experiences with them. I still have a checking acct there, just for the ATM network. I drop a grand in every month and they have never overcharged me.

    This is going to be the biggest purchase of my life! I want to deal with a bank I trust. I’ll give BofA a shot, but I wish they’d get some good press once in a while.

    As far as the original poster’s problem? The teller was rude- long day? bad lunch? who knows. The OP should’ve totalled his checks. It’s just the smart thing to do. Better to use an ATM. The new ATMs at BofA actually scan the check and give you a receipt with the scan on it! Pretty good for evidentiary purposes in case of a screw-up.

  103. DwightIsMyCopilot says:

    @ehlaren: Deposit slips DO have another purpose. As I stated above, they go with the checks or cash-in tickets to balance out the credits to the debits by the proof operator. The proof operator works as a third party that encodes the bottom of the deposit slip as a credit, then encodes the bottom of the checks/cash-in tickets. It seems really difficult for everyone here that hasn’t worked at a bank to comprehend, but THERE IS A REASON FOR THE DEPOSIT SLIPS. I don’t understand what people think happens to your deposit once we get it and how they think we keep everything seperated without deposit slips. But now you know. And if a teller doesn’t make you fill one out, it’s because they don’t have any customers and are nice enough to go ahead and fill one out for you. But without the deposit slip, there is no deposit going through your account.

  104. HAHA, Go to a different bank and you will get the same thing. Every bank I know of requires you to fill out a deposit slip. In every company anywhere you are always going to encounter someone who is rude. I think consumers really need to disassociate the person they are dealing with from the company they are dealing with.

  105. Tonguetied says:

    I know Credit Unions are not the answer to all the banking woes of the world. However I have never used deposit slips for one of my Credit Union accounts (well except when I’m making a night deposit and that’s on the outside of the envelope they provide) and my wife told me the other day that the other Credit Union we have an account at is also doing away with requiring them.

    So there must be some system in place that removes the need for the deposit slip for backup.

  106. SeaKaySea says:

    @KogeLiz: Why? Is there some real benefit for a legal citizen to have an account at BofA with no SSN? Maybe I am missing some brilliant financial move of which I should be taking advantage. Please enlighten me.

  107. @Rectilinear Propagation: “No” sounds like refusing to me.

  108. Interl0per says:

    Ive had pretty good luck with BoA, my only minor gripe being that it takes ages to reach anyone at my local branch and they offer no form of Call me Back voicemail.

    I think closing the account was pretty rash and stupid considering, seems like speaking to a manager or other means would have been a lot easier than moving bank accounts.

    Big business is a game we all have to play, sometimes you get idiots, you just have to keep searching for good reps until you get one.

  109. Smd75 says:

    Just another reason why I left BOA a couple years ago. The branch manager was the reason they lost me as a customer

  110. Serpephone says:

    Deposit slips suck. Why do they even have check card scanners at the counter if they still make you fill out a stupid deposit slip???

  111. kittieflyn says:

    I loathe BOA.

    I have been a customer for 9 years. I used to make weekly deposits every Friday afternoon at the same branch. Every Friday they would try to sell me additional banking products and convince me that I should change my account from OR to WA (because their systems aren’t compatible). This would require me changing my account number which I didn’t want to do.

    The final straw was when the manager told me “I was making life hard on myself”. I wrote a letter to the “Market Executive” (over inflated titles to accompany huge egos) but I heard nothing in response and was continually badgered when I went in there. I haven’t moved my accounts for the very reason that I won’t change to a WA account number – I don’t want to deal with changing all of my automatic withdrawals and deposits. Also I don’t believe other financial institutions are any better service wise.

    To top it off, I used to work for this horrible corporation and they treat their employees even worse than their customers. Our department as a whole did not receive any raises, not even basic cost of living increases, for three years, despite the fact we were all given “exceptional” performance ratings.

    We couldn’t order more than one Bic Ball point pen at a time but the CEO received a nice $5M bonus that year.

  112. FightOnTrojans says:

    @Gstein: aggghhh… I can’t get the image out of my head now! Damn woot-off boards!

  113. efesus says:

    i had 3 BofA accounts when I was younger. (my mother made me do it) Once I got out of high school, and got a decent job, I would make my deposits via the ATM because, I really hate dealing with tellers. My weekly deposits at the time were $515.15, but, for some reason when I would check my account balance a few days later, the account would only reflect $51.51.

    Like a moron, I dealt with this for six months. I got of work early, went to the branch, talked to a manager, and even showed her my check, stubs, and statements. After that conversation all they could say was, “Well, you can call and have the deposit corrected”. Needless to say, I flipped out, told them off, took my money and went to Wells Fargo. They’re not perfect, but at least they get all the basics right everytime.

  114. VidaLondres says:

    I’m pretty shocked you chose to print this story instead of the one I sent you where Bank of America FINGERPRINTED ME.

    Oh look, they were rude. How interesting.



  115. Anonymous says:

    Due to the ecomony, my family is in a financial bind. I have consistently tried to work with Bank of America, instead I get harrasing phone calls, faxes to my work, calls to my boss, etc. MY tax dollars were given to BOA for a bail-out and they choose NOT to in-turn help they people who helped them.