Hurr, I hate when employees decide to be difficult like that. The other day at the bank I had to go through one of those, except that I maintain an ok balance and have enough investments that I know they're able to be a bit flexible for me.
I was depositing wedding cheques, most of which were made out to my and nyxie
's names together, plus one of which was made out to her and I as if she'd taken my last name. But we don't have a joint account yet.
Bank employee says she can't deposit them unless we open a joint account.
I point out that they accept them fine when I put them into the ATM, except that I had enough to deposit that I didn't want to sit at the ATM doing it all.
Still no luck.
I point out that they're endorsed, and that that's all that they legally require, and that the person who endorsed them is standing right beside me. Nope. Have to open a joint account.
I explain that we both already have accounts at that bank and that we're going to open a joint account eventually, it's just that there's some consolidation to do first, and we're doing that later, not on the day we have between wedding and honeymoon...
(nope, still no luck)
... either here or at another bank.
Oops, suddenly maybe she can make an exception. So away we go, she checks our ID to make sure we're both of the people on the cheque (fine by me), and so on. And then when everything's done she tells me that she's only able to make that exception once, so next time we have a cheque made out to both of us we need to have a joint account.
Now, I know that there's no "you get one deposit" policy, because an endorsed cheque is an endorsed cheque, and because there's no way the next teller would know what happened in the last transaction. So I ask her if that's the bank's policy that we're only allowed one, and why, if that's the policy, did she tell us we couldn't do it at all at first?
Oh, ok, it's not the bank's policy, she just wanted to make sure we knew that the next person we talk to wouldn't be able to do it for us. I observed that at least there's always the ATM and away we went. She didn't seem happy. At least I didn't point out that the next person would go ahead and do it for the same reason that she just did, I guess.