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Is your Bank Deposit slip any better than a Thank you ? Part II

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Is your Bank Deposit slip any better than a Thank you ? Part II

Old 08-20-2011, 08:11 AM
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Default Is your Bank Deposit slip any better than a Thank you ? Part II

In a recent thread I posted my situation with Suntrust bank. I deposited a check for 2k,three weeks later received a statement telling me that the check is lost and to subtract that amount from the deposit. Numerous visits to the mgr and letters to the bank Pres.,some from my lawyer even failed to budge them. Their only point was that "I was not cooperating" since I couldn't give them the name of the maker. Of course they wouldn't consider the logic that if I knew the name of the maker,I'd get him to stop the check and issue a new one, of course.
Long story short, I filed suit in Small Claims and had the case heard last week. The other side sent a company lawyer and the branch mgr. Again,their only points were that I didn't cooperate and "maybe I got the money anyway sent by the maker in this elapsed time" That was it. BTW,Yes I have the deposit slip,and yes it clearly shows the 2k deposit !!!
The Judge finished with I'll consider the case and let you know my decision. Judgement day comes and the answer is: "Since I failed to prove, with a preponderance of evidence,my case, than I get no money "
What other evidence can I provide ? should I have future bank deposits videotaped as I walk in ? No law requires a customer to copy a deposit,yet I lost !!!! The only conclusion I can draw is that a deposit slip is no more proof than a handshake and a thank you,if the deposit is later lost by the bank !!!!!!
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Old 08-20-2011, 08:21 AM
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How could you receive and deposit a check for 2 Gs and not know who it came from?
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Old 08-20-2011, 08:43 AM
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Make photos of all checks paid to you. If you get a lot of checks, get one of those check reading machines for your office and then archive the checks.
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Old 08-20-2011, 08:43 AM
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Went to small claims court once. I did win the case but the "judge" awarded me half of what I had spent. What a rip off.
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Old 08-20-2011, 08:43 AM
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Oh did you go into the branch? Summon the video tape from that day,
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Old 08-20-2011, 08:52 AM
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Originally Posted by bellsisland View Post
Oh did you go into the branch? Summon the video tape from that day,
surly its gone by now...
This is bullshit.. you make a deposit and they lose the check and you are out the money? WTF!!!

And I too would like to know how you can have a check for 2k and not know who the "maker" was...
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Old 08-20-2011, 09:07 AM
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I moonlighted as a wholesaler before. I never copied checks or cash for that matter received from customers. I just kept a balance ledger of monies received.

Maybe it's time to search for a new bank?
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Old 08-20-2011, 09:08 AM
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Bank of America can provide you a copy of each check you deposit on the receipt. Time to switch banks? I need to make sure I get a copy from here on out because I usually trust my bank enough not to have issues and never even get a receipt.
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Old 08-20-2011, 09:09 AM
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dont switch to BOA they suck monkey nuts... My girl and I have both moved out of BOA after several bad very bad issues with them.
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Old 08-20-2011, 11:20 AM
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As with the previous thread, we (and the judge) would all love to know how you get a $2000 check from someone and three weeks later have no idea who it was from.
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Old 08-20-2011, 11:40 AM
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Originally Posted by Flot View Post
As with the previous thread, we (and the judge) would all love to know how you get a $2000 check from someone and three weeks later have no idea who it was from.
Yep.. but setting this aside, it is still bullshit they lost your check and you got screwed out of the money.
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Old 08-20-2011, 11:46 AM
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Originally Posted by Flot View Post
As with the previous thread, we (and the judge) would all love to know how you get a $2000 check from someone and three weeks later have no idea who it was from.
I agree. There is something going on here that the OP is not being
honest about. Did he find the check on the sidewalk?
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Old 08-20-2011, 01:06 PM
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I just learned another valuable lesson from THT.
From now on I'll make a photocopy of each check in a deposit and keep it with the deposit slip.
Up until now I always thought that the deposit slip itself was proof of the transaction.
I use quickbooks, and could probably figure out who contributed to each deposit - but the photocopy idea seems much more certain.

Give the guy a break on doubting where the check came from. From the screen name of Skindr I'm going to guess he is a dermatologist. Figure an established dermatology practice with an MD and a PA or two would easily gross over a half million dollars per year. That translates into a weekly average deposit volume of close to $10,000 per week. He can probably guess which check is missing, but figuring out exactly which check (or checks) went missing could be a bit tougher. Nice problem to have.

Last edited by Wicked Awesome; 08-20-2011 at 02:31 PM.
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Old 08-20-2011, 04:20 PM
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I deposit my checks through the ATM....press the "receipt with check images" button...I get a receipt with the image of every check.
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Old 08-21-2011, 06:22 PM
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Originally Posted by Parthery View Post
I deposit my checks through the ATM....press the "receipt with check images" button...I get a receipt with the image of every check.
Don't count on it buddy.
I did the same to until about 2 months ago when the atm "ate" my checks and the branch said they couldn't open the machine. It took Chase bank 2 friggen weeks to find the checks that the machine ate and I was sweating the whole time that the checks would be unreadable or lost. I had no idea who wrote the checks, I own a retail business and it would be impossible to track the maker. From now on I'm using my phone camera to get an image of each check and only using the atm to deposit during bank hours and if it breaks again I'm not leaving until they open the atm up matter what they tell me. lesson learned! I wonder if a credit union would be a better bet.
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Old 08-21-2011, 07:34 PM
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Go into the bank and go to a teller when you make deposits. And buy a receipt scanner for $150 or so.
FIFY.
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Old 08-22-2011, 05:50 AM
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Simply make note on deposit slip where check is from. Use back side of deposit slip if necessary. The judge took the position that depositor should have been able to perform accountabity given the time that elapsed. Most particularly, if it was a doctor's office, there should be accounting/paper trail. I don't care if you have a billion dollars in your checking account, you should be able to account for where a $2000 check came from given that you had weeks to figure it out. Otherwise, the claim loses credibility.
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Old 08-22-2011, 07:14 AM
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Working with banks on their foreclosed homes we wait for 90 days + for a check... Needless to say it would be a PITA to get another check cut from the bank in a reasonable amount of time or at all.
Those guys and gals at the banks are a bitch to deal with sometimes
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Old 08-22-2011, 07:28 AM
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Agreed. However, burden of proof is the subject here. You might think BofA is stinkeroo, however, the same will happen at any bank or credit union. There is a reasonable expectation of accountability and a deposit slip is only part of the story. There is also a place on a deposit slip to record the bank number the deposited check is drawn from. This is there for a reason.
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Old 08-22-2011, 08:22 AM
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I could deposit cut up newspapers into an ATM and get a receipt for $10000. It means very little and is certainly not proof of deposit. Even certified checks can be easily forged and are no proof of funds.
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