Who here is in Banking/knows how to work with them?

[Brock Landers]

Ok, simple question/rant here about banking, specifically National City..<?xml:namespace prefix = o ns = "urn:schemas-microsoft-comfficeffice" /><o></o>
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my wife and I got a check for 14K from Prudential Retirement and the bank will Automatically want to put a 7 business day hold on the fvcker, as if Prudential is in the business of writing bad checks.<o></o>
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It doesn't seem to matter that we have been customers for years and have nothing but an excellent record there, we don't bounce checks or even go into overdraft. So why they do they treat customers as if we are "high risk" and or we are there to rip the bank off...<o></o>
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Sorry for the rant, but their rubber stamp approach just sickens me<o></o>
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Any advice or approach i can take, could talking to a branch manager help with this hold?<o></o>

[Brock Landers]

JJ, you know banking, help me out here pal.

Do i need to duke an employee there to release their retarded holds they like to place on checks?

[Richkas]

Ok, simple question/rant here about banking, specifically National City..fficeffice" /><o>></o>>
<o>></o>>
My wife and I got a check for 14K from Prudential Retirement and the bank will Automatically want to put a 7 business day hold on the fvcker, as if Prudential is in the business of writing bad checks.<o>></o>>
<o>></o>>
It doesn't seem to matter that we have been customers for years and have nothing but an excellent record there, we don't bounce checks or even go into overdraft. So why they do they treat customers as if we are "high risk" and or we are there to rip the bank off...<o>></o>>
<o>></o>>
Sorry for the rant, but their rubber stamp approach just sickens me<o>></o>>
<o>></o>>
Any advice or approach i can take, could talking to a branch manager help with this hold?<o>></o>>

Talk to the branch manager, they may let you draw a dime or two off of it. But lets say they let you have the whole thing and it did bounce. They can do nothing to you but ruin your credit. They couldnt have you arrested or anything. I know. I have run scams on banks before.

[Richkas]

currency exchange might cash it for 10%


they usually call to verify first then cash right away. I know this also. At one point no bank in the USA would do buisness with me.

[Brock Landers]

fuk that richie, no way i give a penny away to a check cashing place, this is a legit check. Anyway, i'll talk to a branch manager. These clowns should treat 8+ year customers with impeccable records better though. this is no scam, and like i said, They can 1)contact prudential to verify the funds if needed and 2)do they actually experience bounced checks from businesses like Prudential????<O</O

[durito]

the bank can "clear" the check whenever they want. it can still go bad.

with a decent banking relationship you should be able to get your fund instantly. this doesn't mean of course that the check can still not go bad and you owe. of course i'm talking more about sportsbook type checks, but these days those are probably more solid companies... lol

[SlickFazzer]

Brock, this happened to me in June with Wells Fargo.

I deposited a large check from a client into my personal account. They put a hold on it due to the fact that it was a "larger than normal deposit"...blah, blah, blah...This is a client I had done much business with in the past and knew their check was good.

It took me two trips to the bank, to talk with banker, and then office manager.

I basically told them I could not have this 7 day hold, as i had automatic bill pay/ect. being taken out of this account. I needed these funds released, and I knew the check was good.

After harrassing them enough, here is what I had them do:

Your bank can call the bank that the check is issued from and find out exactly when it clears. When you deposit the check, they do a scan, which is saved and they can pull up on their computer. On the check there should be the phone #, of the issuing bank. If the issuing bank says the funds are good, then the hold can come off.

All these holds are triggered by a computer, yet a pain in the ass to get overturned. Do not leave until you get the hold released..I found out that they can do it, be firm with them. Get a human to override the computer which puts the hold on in the first place.

Hope this helps,

Good luck.

[SlicWilly3]

Hey Brock.......Before I got into Telecommunications, I worked in the banking industry....
I've had this exact situation come up before as well. It is honestly the banks discretion. They do have the right to hold the check as their doing.... BUT, the bank manager can also make the call, and release the funds immediately if they choose.
I would definitely go in "in person" and ask to speak to the bank manager.....And if he/she is not willing to release the entire amount, which hopefully they will...... They may also meet you half way and release half or so up front and hold the other half for the 7 days.
Go in with a smile on your face my friend, and let him/her know that you need the money for christmas gifts for your children How could someone say no to christmas gifts for kids??

Best of luck..... I think you will at least get half if not the entire thing.... The only thing I can think of that may hurt you is if you have a history of overdrafts, or your account being in the negative.
But as long as your account is always in good standing, you should not have a problem.... But keep in mind that it's really their discretion.

[durito]

my suggestion would be to get a better bank

national city is ****ed anyway

i use www.everbank.com

it's all online. top 5% pledge of interest paid on checking accounts. they clear my sportsbook checks instantly -- though i always keep the funds in there

[Brock Landers]

Well wouldn't you know a minor miracle happened, the branch manager actually used some common sense, we called Prudential together to verify the check/funds were good and boom, 7 day hold was erased. 14,997 available at midnight tonight/tomorrow morning. Sometimes it pays to just talk to the people in charge. The thing that pisses me off is having to grovel to these cockfuks. But oh well, its Done and Done.

[compaqDikk]

brocky i hope you buy a new bedspread with that coin

that thing is a mess

[Brock Landers]

brocky i hope you buy a new bedspread with that coin

that thing is a mess

Thats a guest bedroom/office and is hardly every used. And my wife deals with that shit, i couldn't care less LOL

[MBENZ]

Unless you have sufficient funds already cleared to cover the amount,you might as well pack sand.If the bank manager lets you out with uncovered money and there is a problem,he is ex manager.The banking business is not on a friendly basis right now.

[Brock Landers]

Unless you have sufficient funds already cleared to cover the amount,you might as well pack sand.If the bank manager lets you out with uncovered money and there is a problem,he is ex manager.The banking business is not on a friendly basis right now.

the branch manager called Prudential to verify the check and the funds behind it, we have a significantly long relationship with the bank and after taking it all into account, all holds were lifted. Its the way things should be handled for your "good" customers. If they have a history of fvcking the bank over thats a different story.

[jjgold]

Just pay off a few guys off and your problems are solved

[Brock Landers]

Just pay off a few guys off and your problems are solved

i need to watch your Vid again about the art of Duking JJ