I wrote the open letter to USE Credit Union this morning, as it developed out of an actual e-mail I was writing to the hotline address. It had apparently been irritating me for a while, because it really flowed. Bad web design is not a felony, but all the interfaces for handling money should be optimized for the actual user. That includes in-person tellers.
I deposited a check yesterday. I also made a small withdrawal, just $20. As I was walking to pick up bagels, I checked my account on my phone. It didn’t reflect my deposit, nor did it reflect my withdrawal. Since it was a personal check, I thought that maybe it would take a couple of days to clear. And because it was Saturday, maybe my withdrawal would register in full until Monday. I made a mental note that modern banking really sucks, and went along my way.
After I wrote that letter this morning I went to a café with Susan and Clover. As Clover was waking from a nap and I was sipping tea, Susan read something on her phone, looked up at me and asked, “Did you transfer me $500?”
My jaw dropped. She continued, “And… withdrew $20?”
What. The. Fuck?
I don’t give tellers my member number, I hand them my debit card, so there shouldn’t be a verbal misunderstanding. I didn’t tell them to deposit that into Susan’s account, which allows me to make deposits. And I certainly didn’t ask them to give me money from Susan’s account, which is insane.
I am so done with that credit union. I know of another one nearby that friends use, so I will try it out. I am going to close my account at USE as soon as possible.