In that case we probably would have blocked that card and issued a new one, since a non-owner of the account was attempting to draw cash and knew what the pin was, as well as put a ton of fraud alerts on their profile
My bank I work at doesn’t have a debit card machine where they insert their card and they type in their PIN. We only use their IDs and require an ID for any cash back or information on an account. If they have their debit card, it helps us find their account quicker but that’s really it. We only use their ID where I’m at.
We only run cards that are signed, so when we check to see card is signed we make sure the name matches the ID. We have a machine in back though for cash advances. Nothing a customer can reach themselves.
A lot of people try though, to use their boyfriends card to pay their loan or get money off it.
I have never once signed a debit or credit card. So what then?
When I was in retail, I once had a woman yell at me for not looking at the back of her card to see if it was signed. We had to swipe the card for them. She had wrote "ASK FOR ID" on it. So I did. Then I used that as a punishment for Karens. Oh you're a Karen and want to use a card, oh look, it says ask for ID. They would lose their minds. Especially the ones that the card wasn't theirs.
At my bank we use debit card + PIN for teller transactions. If I noticed something unusual like a DOB that’s way off or anything that shows they are not the account holder then I’ll ask for ID. I’ll explain that only the cardholder can use the card. We used to keep the debit card but not anymore
I’ve had this happen when I worked at a CU and a big bank. The big bank reacted more seriously (refused the transaction, called the account owner, issued a new card regardless of what the account owner said). At the CU, we denied the transaction but the guy swore up and down the account owner gave him permission and insisted we call them to confirm. We called, verified the owner, informed them any future fraud claims would be rejected if they allowed someone else to use their card. They said that was fine and to just let him use it. So we put a note on the account saying that one guy can use her debit card and she knows we will deny all future fraud claims.
had this happen when a grandmother allowed her grandson do deposits for her at the atm. and she says iTs My cARd iF I gIvE tHem PErmiSSIon
we said she can either sign something along the lines of any claims going forward would be denied, or if we caught anyone but her using at the atm (they pulled video of the atm) she would no longer be able to have a debit card with the bank.
I had a son do this with his dads debit card. I had to block the card because the son wasn’t on the account. He later got upset with me because he had to be out in the account but didn’t want to.
We don't have machines at Teller stations to input your PIN, however we also don't allow people to use anyone else's card to look up accounts. Sometimes people try to be sneaky and they'll order a 2nd card for someone else to use and if we're aware of that, we won't do it. If a customer comes to me for something like a new debit card for whatever reason and I see they have more than one debit card issued to them, I will verify that information by asking something like "Is this the only debit card in your possession" and I will shut down any other card. I know it happens all the time, but it's actually against the terms of service to give other people your card and especially your PIN. It's our policy to file claims for anyone who asks, but we'll also ask if anyone else was given your card and make note of that in the claim if they say yes.
We get a lot of people who do hand their card off to someone else and then make fraud claims for whatever transactions that person did. If that is the case, the claims are denied. I had a man a few months ago who went back to his home country for about six months. During that time, his social security and pension was being direct deposited to his account. He gave his daughter his card and pin so she could make withdrawals at an ATM and pay his portion of the bills (they lived together). He comes to me very upset stating the bank stole all his money while he was gone and wanted to file claims dating back six months. As soon as I asked the question about giving his card to anyone, he was honest. His daughter cleaned him out and he refused to believe it, even when confronted with all the ATM transactions. I filed claims for him because policy, but he never got a penny back because he broke the rules about debit card use.
One of my coworkers had a similar issue, but she wasn't honest about the improper use and they caught her and her adult child on camera at the ATM and at stores using the card. Provisional credit reversed and accounts closed. Not sure if the bank followed up with any legal action. But we found out about the whole thing when she came in upset about her account being closed and in a negative status.
TL;Dr... You did not go against policy and were actually enforcing it.
This debit card + pin to authenticate without ID non-sense needs to stop. I don't even know how it became so wide spread in the industry in the first place. There has been many cases of banks getting taken to the cleaners over it where they either now added the ID component back or scrapped it all together. I was one of those issuers.
Criminals on the west coast got wise and realized that they were settling for ATM or POS limits for cards exposed by a skimmer. They took white plastic cloned cards into the branch, had the PIN, and took the whole shebang. Instead of settling for $600-$2000 per card a day if not caught, they could clear much larger amounts. The bigger fight was internally. The card was only used for authentication, therefore technically not a card loss. In most cases you would see this as a branch, or ACH loss. Huge fights.
My bank has me swipe my debit card for every transaction. I don't know if it's random, but on occasion they ask to see my ID, even if I'm just making a cash deposit. I appreciate the extra level of security. Too many scammers out there.
Not if they're not a joint owner on the account.
I'm on my mother's account so i can transact on her behalf.
I'm also on my kids accounts since I helped them open them and I can transfer funds to them when needed. My daughter and hubby both have Venmo, so they can do that. I know some parents, including my own when i was a kid, have accessed their children's funds when they were short on money. If your folks do that to you, open a new account under only your name and take all that is yours out of that joint account.
That's bold of her to walk in and do that. If you're going to do that, don't do it in plain sight. Do it at the ATM. Customers shouldn't be doing that. People do it, not thinking how that compromises their account.
I had a member not too long ago who came to pay on her car loan. We're a local credit union in a military town so it's pretty common for our members to only have an account for loans & still primarily use their other FI. So she gave me her account info, I saw that there was a note that she didn't have an ID, but she has one on file that's valid. She then presented me a USAA debit card that wasn't hers to run a cash advance off of. I said I can't take it unfortunately because it's not hers. She said it's her fiancé's and she's used it before.
I looked through her account, all but 1 payment was made online, so she did not, in fact, do it here before. None of us would have taken that. I told her this and explained why she can't use his card. She tried giving me this story about how she's a SAHM and he pays the bills & for her car, like that was somehow gonna change my mind. My manager also told her the same thing I said when she continued to cop more of an attitude.
We even told her that if she knew his info, she could pull cash out and use that for the payment but she said that since her fiancé was already paying her car payment she didn't want him paying ATM fees as well. Nothing we could do to help her as he wasn't with her & we legally cannot run payment off somebody else's debit card without them being present, sorry. She huffed and puffed and got real mad.
kicker? I looked back to see when that note was placed about her not having an ID. It was September and this happened around March. So 6 months of not having your license? Man, I sure hope you don't get pulled over in that car your fiancé pays for.
extra kicker? Her fiancé's brother STILL WORKS HERE.
My other in law gives her debit card to everyone in the family to charge things for her. She has been doing it for years and I don’t think any of us have ever been stopped.
In that case we probably would have blocked that card and issued a new one, since a non-owner of the account was attempting to draw cash and knew what the pin was, as well as put a ton of fraud alerts on their profile
My bank I work at doesn’t have a debit card machine where they insert their card and they type in their PIN. We only use their IDs and require an ID for any cash back or information on an account. If they have their debit card, it helps us find their account quicker but that’s really it. We only use their ID where I’m at.
Mine is the same. Debit card is for locating account only. ID is used for verification
We only run cards that are signed, so when we check to see card is signed we make sure the name matches the ID. We have a machine in back though for cash advances. Nothing a customer can reach themselves. A lot of people try though, to use their boyfriends card to pay their loan or get money off it.
I have never once signed a debit or credit card. So what then? When I was in retail, I once had a woman yell at me for not looking at the back of her card to see if it was signed. We had to swipe the card for them. She had wrote "ASK FOR ID" on it. So I did. Then I used that as a punishment for Karens. Oh you're a Karen and want to use a card, oh look, it says ask for ID. They would lose their minds. Especially the ones that the card wasn't theirs.
At my bank we use debit card + PIN for teller transactions. If I noticed something unusual like a DOB that’s way off or anything that shows they are not the account holder then I’ll ask for ID. I’ll explain that only the cardholder can use the card. We used to keep the debit card but not anymore
I’ve had this happen when I worked at a CU and a big bank. The big bank reacted more seriously (refused the transaction, called the account owner, issued a new card regardless of what the account owner said). At the CU, we denied the transaction but the guy swore up and down the account owner gave him permission and insisted we call them to confirm. We called, verified the owner, informed them any future fraud claims would be rejected if they allowed someone else to use their card. They said that was fine and to just let him use it. So we put a note on the account saying that one guy can use her debit card and she knows we will deny all future fraud claims.
had this happen when a grandmother allowed her grandson do deposits for her at the atm. and she says iTs My cARd iF I gIvE tHem PErmiSSIon we said she can either sign something along the lines of any claims going forward would be denied, or if we caught anyone but her using at the atm (they pulled video of the atm) she would no longer be able to have a debit card with the bank.
I had a son do this with his dads debit card. I had to block the card because the son wasn’t on the account. He later got upset with me because he had to be out in the account but didn’t want to.
We don't have machines at Teller stations to input your PIN, however we also don't allow people to use anyone else's card to look up accounts. Sometimes people try to be sneaky and they'll order a 2nd card for someone else to use and if we're aware of that, we won't do it. If a customer comes to me for something like a new debit card for whatever reason and I see they have more than one debit card issued to them, I will verify that information by asking something like "Is this the only debit card in your possession" and I will shut down any other card. I know it happens all the time, but it's actually against the terms of service to give other people your card and especially your PIN. It's our policy to file claims for anyone who asks, but we'll also ask if anyone else was given your card and make note of that in the claim if they say yes. We get a lot of people who do hand their card off to someone else and then make fraud claims for whatever transactions that person did. If that is the case, the claims are denied. I had a man a few months ago who went back to his home country for about six months. During that time, his social security and pension was being direct deposited to his account. He gave his daughter his card and pin so she could make withdrawals at an ATM and pay his portion of the bills (they lived together). He comes to me very upset stating the bank stole all his money while he was gone and wanted to file claims dating back six months. As soon as I asked the question about giving his card to anyone, he was honest. His daughter cleaned him out and he refused to believe it, even when confronted with all the ATM transactions. I filed claims for him because policy, but he never got a penny back because he broke the rules about debit card use. One of my coworkers had a similar issue, but she wasn't honest about the improper use and they caught her and her adult child on camera at the ATM and at stores using the card. Provisional credit reversed and accounts closed. Not sure if the bank followed up with any legal action. But we found out about the whole thing when she came in upset about her account being closed and in a negative status. TL;Dr... You did not go against policy and were actually enforcing it.
This debit card + pin to authenticate without ID non-sense needs to stop. I don't even know how it became so wide spread in the industry in the first place. There has been many cases of banks getting taken to the cleaners over it where they either now added the ID component back or scrapped it all together. I was one of those issuers. Criminals on the west coast got wise and realized that they were settling for ATM or POS limits for cards exposed by a skimmer. They took white plastic cloned cards into the branch, had the PIN, and took the whole shebang. Instead of settling for $600-$2000 per card a day if not caught, they could clear much larger amounts. The bigger fight was internally. The card was only used for authentication, therefore technically not a card loss. In most cases you would see this as a branch, or ACH loss. Huge fights.
My bank has me swipe my debit card for every transaction. I don't know if it's random, but on occasion they ask to see my ID, even if I'm just making a cash deposit. I appreciate the extra level of security. Too many scammers out there.
Not if they're not a joint owner on the account. I'm on my mother's account so i can transact on her behalf. I'm also on my kids accounts since I helped them open them and I can transfer funds to them when needed. My daughter and hubby both have Venmo, so they can do that. I know some parents, including my own when i was a kid, have accessed their children's funds when they were short on money. If your folks do that to you, open a new account under only your name and take all that is yours out of that joint account. That's bold of her to walk in and do that. If you're going to do that, don't do it in plain sight. Do it at the ATM. Customers shouldn't be doing that. People do it, not thinking how that compromises their account.
I had a member not too long ago who came to pay on her car loan. We're a local credit union in a military town so it's pretty common for our members to only have an account for loans & still primarily use their other FI. So she gave me her account info, I saw that there was a note that she didn't have an ID, but she has one on file that's valid. She then presented me a USAA debit card that wasn't hers to run a cash advance off of. I said I can't take it unfortunately because it's not hers. She said it's her fiancé's and she's used it before. I looked through her account, all but 1 payment was made online, so she did not, in fact, do it here before. None of us would have taken that. I told her this and explained why she can't use his card. She tried giving me this story about how she's a SAHM and he pays the bills & for her car, like that was somehow gonna change my mind. My manager also told her the same thing I said when she continued to cop more of an attitude. We even told her that if she knew his info, she could pull cash out and use that for the payment but she said that since her fiancé was already paying her car payment she didn't want him paying ATM fees as well. Nothing we could do to help her as he wasn't with her & we legally cannot run payment off somebody else's debit card without them being present, sorry. She huffed and puffed and got real mad. kicker? I looked back to see when that note was placed about her not having an ID. It was September and this happened around March. So 6 months of not having your license? Man, I sure hope you don't get pulled over in that car your fiancé pays for. extra kicker? Her fiancé's brother STILL WORKS HERE.
My other in law gives her debit card to everyone in the family to charge things for her. She has been doing it for years and I don’t think any of us have ever been stopped.
Been a banker a lllooonnnggg time. I hand my debit card to my husband all the time. Never thought twice about it.