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When you balance your checkbook you may discover that you have a large
discrepancy. You may be missing money or you may discover that you have
extra money. This does happen, and it is important to address the problem
quickly. You may also find that you have withdrawals that have not been
authorized, and it is important to address those issues as well. You can also put
a stop payment on a check that has been stolen. You need to handle these
matters as quickly as you can, and in a professional manner.
Here's How:
1. First, you should gather the information that will support your claim. If
you are missing a deposit, you should find your receipt for it. It is a good
idea to hold onto the receipt until your deposit is posted online. If you
are questioning specific transactions you should highlight them on your
statement. Often you can go online and find out more about the
transaction, as well.
2. Second, it is important to address these matters in person if possible.
You can call a customer service line, but generally speaking people at the
branch are more willing to work with you. When you speak to the
person at the bank you need to be very calm. The customer service
agents and account representatives are there to help you resolve any
problems. However, if you come in very upset, they are not as likely to
go out of their way to help resolve your concerns and questions.
3. Third, you need to be patient. If there is a missing deposit or an
unauthorized transaction, it may take the bank awhile to track it down.
Your initial meeting may simply start the research to resolve the
problem. The bank will have to go back through and see the teller’s
transactions for the day and then determine what went wrong. If you
made a deposit at the ATM, then the ATM records will need to be
accessed and analyzed.
4. Fourth, follow up with any paperwork or other steps that need to be
taken. If you have unauthorized transactions, you may need to file a
police report before the bank will do anything. Additionally, you should
close the account to prevent any future occurrences of this happening. If
you do this be sure to change all of your automatic transfers and
payment options, as well as your direct deposit.
Tips:
1. Be sure that you balance your account to your statement regularly. This
helps you to track mistakes and find the errors much quicker. Many
banks allow you to download the information straight into your money
management software and it does it automatically for you. There really
is no reason not to do it.
2. Additionally, you should keep a running total of your account. Never go
off of the balance that you receive at the ATM or on a deposit slip. It
does not including outstanding debit card transaction, and checks. If you
just assume that you have money you will likely overdraw your account.
3. If your bank continues to have discrepancies and problems, then
remember you are not trapped at your bank. You can switch banks and
find a bank that does not have any problems.