A few nights ago, I went to my credit union's automatic teller machine (ATM) to withdrawal $40 in cash. I noticed that the machine had been replaced with a new one with different graphics..."Insert your card...Press one for English, two for Spanish...Insert your pin number..."
At the completion of the transaction the $40 cash came out along with a receipt. I usually would toss the receipt, but instead I looked at it..."You have subtracted $43...Your balance is $7,765." I didn't remember hearing that the credit union was imposing fees for automatic withdrawals and I didn't remember having that much money in that account. When I got home, I checked my register, and after deducting the $43 I showed a balance of $765!
The following morning I stopped by the Credit union. "You again...what did we do wrong now?" "When I used the ATM last night, I noticed that that it was a new machine, it charged me a $3 transaction fee, and that's OK if it is adding $7,000 to my balance!" "We replaced the machine so there should be no problems with it, and with one that meets the new Federal Guidelines of having to ask first if you understand English, and meets the American Disabilities Act requirements. We charge non-premium members a $1.50 transaction fee, not $3, and you have a Premium account so there should be no charge. I'll have to inquire with the Miami home office about your balance addition."
Minutes later, there was a consultation online with the assistant manager to determine that with my card, my transaction had been processed with another member's account! My online records showed the correct withdrawal of $40 and the correct balance. The things that make you say huummmm...
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