Around nine times out of ten, if I am being verbally assaulted by a client, it is because I had the audacity to ask the client to provide a picture ID during a check cashing transaction. While I can understand feeling defensive if you think I am falsely accusing you of something , or being annoyed that you have to go back to your car or make another trip, I am blown away by how many of you seem to want any ol’ person with one of your checks to have access to your money. The two reasons most frequently cited for not wanting to present ID are…
- You maintain large balances in your accounts. Despite all of the warm fuzzy things your financial institution tells you, so you’ll keep your money there, having over a certain dollar amount in any account does not guarantee instant recognition and/or special treatment. There is no “Most Important Clients” or “How to Tell Who is Wealthy and Who Isn’t” course included in new teller training. If anything, your financial institution should be extra diligent in protecting your assets instead of slacking off with identification requirements. Yelling any variation of”DO YOU SEE MY BALANCES!?!” ” HOW DARE YOU ID ME WHEN I HAVE MONEY IN THE BANK!!” or “I’LL BE IN TOUCH WITH MY PREMIER BANKER!” at me won’t help me realize that I shouldn’t have asked you to properly identify yourself, but it will make you look ridiculous, and may result in a dishonest onlooker targeting you in the future.
- You have had a relationship with your financial institution for a long time. I don’t have to input your ID if I can match your face to your name before you make it to my window, but when is the last time you memorized between 50-100 faces and names after a single, minute long, interaction with each one? I still haven’t. Tellers and bankers are required to do everything they can to know their clients. but building that relationship takes time. Especially if you are aware of new hires to the bank, you should always plan on needing your ID regardless of the length of your banking relationship.
I am not accusing you of anything, suggesting something is wrong with your transaction, or trying to keep your money away from you; I just want to know for sure that I am giving your money to you. So, please just take a deep breath and hand me your ID.