Bank won't let someone put money INTO my account?

Question

My fiance went to my bank's branch (Bank of America) and asked if he could put cash INTO my account. I gave him my debit card so that the bank could swipe it and he could deposit at the teller's window. My fiance offered to let them talk to me on the phone and ask all the security questions they wanted, but they refused and told him he could use the ATM.

Admittedly, we could see how it would be shady for him to have my debit card. But delicate financial matters are settled on the phone all the time (i.e. calling a bank representative to settle account issues, calling Experian to cancel a credit report subscription, etc.). In fact, today, I gave out my SS number and DOB over the phone to 2 different financial institutions.

Before I go further, I want to say that I really do appreciate when I'm asked for ID before someone swipes my debit card, etc. because it means that I'm being protected. However, I really am confused as to why asking me security questions over the phone would be illegitimate, or even why my fiance wasn't allowed to deposit money INTO my account. It's not like he was withdrawing. Does anyone have any ideas?

Answer 1

If he had simply filled out a deposit slip and gone up to the teller then he could have done so. They did not want to give him the account number tied to the card. Why did you not simply give him your account number so he could fill out a deposit slip?

Answer 2

I've never used my ATM card to make a deposit at the bank. Why didn't you just tell your fiance your account number and have him fill out a deposit slip?

Answer 3

Your first mistake is banking with Bank of America. There is no reason whatsoever for them to deny you a deposit into your husband's bank account. I don't think it's shady for your husband to have your debit card at all. I think husbands and wifes (and children) do it all the time. Bank of America simply does not believe in customer service and they were just messing with you because they could. If I were you, I would go into the same branch, hand over the check/cash you wanted your husband to deposit, fill out a deposit slip and hand it to a teller. Do not offer your ID or ATM card -- they do not need it. See if they accept it for deposit. If they accept it for deposit without ID, then "call them" on why they refused to accept the deposit the other day, esp. since they don't apparently need your ID to do so. Make sense? In other words, see if their policy is consistent or not. If it's inconsistent, you may have a good case to at least write them a nasty letter to make you feel better.



Just my thoughts -- worth what you paid for them!

Answer 4

WHY did you give him your debit card? All you/he needed to do is fill out a deposit slip and present that and the cash to the cashier.