Bye bye to our local credit union...
We opened our accounts with a credit union initially because there were no fees. After we had been with them maybe 6 months they announced that they would start assessing fees on their checking accounts. They were going to offer a free "self-serve" account though, which meant the branch and contact center services would be limited. As part of this deposits were intended to be made at the ATM with your debit card, or by use of a mobile phone app. Since we hardly ever went to the branch anyhow, this seemed perfect.
A couple months after switching over, I changed my last name. I went to the branch with the necessary paperwork to have the name on my account changed. At that time I inquired as to their policy on any checks I received made out to my previous name, and was told that that wouldn't be a problem at all, because my previous name was still in their system.
Maybe a month after that I received a check made out to my previous name. I endorsed the back of it "by mobile deposit", and scanned and deposited it from my mobile phone app. A couple days later I got an email that the deposit was rejected because the name didn't match the name on my account. So I went to the branch to get it taken care of, and they fixed it but gave me a lecture about how I had a self-serve account and wasn't supposed to come into the branch. They didn't have an answer for how I was supposed to make a self-serve deposit when their system was rejecting the deposit...
At some point in the last couple months they also decided that as a "security precaution", any time you tried to login to online banking from an "unrecognized device" they would call or text the phone number they had on file for you with a security code. Often they would not recognize a previously verified device, even if we were logging in from the same network, and had not cleared our cookies.
All of this led up to today's total frustration. DF is out of the country right now, has been for 3 1/2 weeks and won't be back for another 10 days. We recently found out that there was going to be an unexpected charge posted to his account. We couldn't log in to his online banking to check if there was enough money in the account to cover the charge because the bank wanted us to provide them with a security code, and his phone (the only number associated with the account) won't work in the country he is in. I can't make a mobile deposit for him because his account isn't set up on my device, and we can't get it set up without verifying the device with that security code that we can't receive. I can't make an ATM deposit because his debit card is with him 4,000+ miles away; he asked the bank for a duplicate card before he left and they said they couldn't do that (my previous bank was happy to provide me with a spare card, FWIW). So I went into the branch with a deposit in hand, figuring any "convenience fee" for using branch services was going to be a lot better than a potential NSF charge. But no, I was informed that I couldn't make a teller deposit at all
, for any reason
, because "It isn't [the teller's] fault that [your fiance] decided to sign up for this type of account."
In the end, I contacted the source of the upcoming draft, and was able to make a pre-payment to prevent the draft from occurring.