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pinkdalek

Old_Wrinkly wrote: »

Could those who favour the use of machines for cheque deposit kindly tell us how they can argue with said machine if a receipt fails to materialise?

Errr yeah you go and speak to a staff member!! 9/10 the machine will have a problem with receipts eg run out, jammed. The cheque would show on your account which they can show you or print off a statement. (If the bank is closed well use your !!!!!! and speak to them the next day)

If it was stuck in there then the cheque can be retrieved, but this rarely happens and tends to happen when there is a staple on the cheque or the cheque has gone in all folded.

JuicyJesus

DrSyn wrote: »

May be you have not noticed the banks are also laying off staff in retail banking section to give large bonuses to those at the top
and the gambling (sorry investment section )of the banks.

By" helping customers" do you mean like:-
When they did so much damage the taxpayer needed to bail them out? Or the PPI selling scandle or putting some of the old people into inappropreate investment?

None of that is even slightly relevant to the topic at hand. So my point still stands.

Even if it was relevant, which it isn't, I'd be interested to know how a bank misselling PPI or needing taxpayers money mandates them to open more counters rather than install machines.

Cmdr_Bond

casper_g wrote: »

The other excellent feature of the cheque paying-in machines in HSBC is that the receipt includes a scanned image of the cheque(s) you've paid in, so you have a record of all the info on there including the amount. The machines I've used elsewhere (and the ones they used to have in HSBC) only list the total amount the customer claimed to have deposited, which is much less useful in the event of a dispute later.

Have to say a machine I paid a cheque into in an ex A&L Santander scanned the cheque and printed a copy on the receipt. Was well impressed as I was used to putting it in an envelope and typing in the amount.

Will have to say, the one reason I used to pay cheques in over the counter was the extra day they took to clear if paid in through the machine. that is not so important to me now, as I get my wages paid by electronic payment. But when it was a weekly or monthly cheque it was VERY important to save that day.

DrSyn

JuicyJesus

1.You where the one that brought up the subject of "helping customers" intead of using tills not me. I was merely pointing out that that the banks where "helping themselves" to the customers money and not the customers through the various mis-selling scandels. The courts agree!

2. I still remember the time when banks where thought of as a service industry. Now it they think of themselves as "sales and gambling stores", banking being an add on. May be you where not old enough to have a bank account 20 years ago.

3. If they did not lay off so many in the retail section. Then there would clearly be more staff to man the tills. Obvious if you think about it!

rb10

DrSyn wrote: »

3. If they did not lay off so many in the retail section. Then there would clearly be more staff to man the tills. Obvious if you think about it!

I believe that RBS/Natwest is the only bank that has made branch staff redundant recently. So there's clearly more to it then just that.

DrSyn

As I wrote in my original post.

"From my own pesonal observation, its mainly due to all the banks reducing the number of staff at open tills which people can use. I seen more staff doing nothing on the customer side of the tills!"

Seems to me now less a "service" more a "selling & gambling industry".

JuicyJesus

DrSyn wrote: »

JuicyJesus

1.You where the one that brought up the subject of "helping customers" intead of using tills not me. I was merely pointing out that that the banks where "helping themselves" to the customers money and not the customers through the various mis-selling scandels. The courts agree!

2. I still remember the time when banks where thought of as a service industry. Now it they think of themselves as "sales and gambling stores", banking being an add on. May be you where not old enough to have a bank account 20 years ago.

3. If they did not lay off so many in the retail section. Then there would clearly be more staff to man the tills. Obvious if you think about it!

Or maybe the customers could just use the machines.

Your points are, again, irrelevant.

knightfox

Many years ago a business associate worked in an office above a bank. He went downstairs to do his banking walked in and saw everyone lined up. Walked out because of the que that he thought he saw. He was going to try later. In fact the bank was been raided. The robbers had lined everyone up whilst they tried to help themselves. He just walked out he is lucky he wasnt shot.

Sharon87

I usually queue up at the counter to pay in money, usually I have coins as well. I wish my HSBC machine would have a coin machine, wouldn't need to wait till I had a whole bag to put it in!

I used the HSBC bank on Oxford Street (Tottenham Court one) and the automated machine wouldn't accept 2 of my notes! That's the only problem with automated machines, if you have an old note that's a bit crinkled machines don't always recognise them.

samwsmith1

Sharon87 wrote: »

I usually queue up at the counter to pay in money, usually I have coins as well. I wish my HSBC machine would have a coin machine, wouldn't need to wait till I had a whole bag to put it in!

I used the HSBC bank on Oxford Street (Tottenham Court one) and the automated machine wouldn't accept 2 of my notes! That's the only problem with automated machines, if you have an old note that's a bit crinkled machines don't always recognise them.

And if it won't a member of staff that's on hand will always happily exchange them for new ones for you - or at least they always have done with me, or send you upstairs to the counter.