Thursday I went up to my local bank (the mega-institution BB&T) to deposit a couple of checks. As usual, I filled in the deposit form, signed the checks, and stuffed them in the deposit envelop.
I guess I should have realized something was happening when I got to the bank and saw two people in line to use the ATM. Both of them spent a couple of minutes at the machine before turning away with a look of sheer disgust and frustration on their faces.
My turn and I realize what's happened. BB&T has changed their ATM machines. I guess the concept was to make things easier for the customer, but they completely failed. Interestingly the switch out was done without any notice. I can see why. The new machines are worthless. The human factors design in these things is non-existant and I can see why people gave up in frustration. It took me three shots at it to deposit a pair of checks and the system managed to mis-credit a three hundred dollar check to my account as an eight hundred dollar deposit. Mind you, I don't mind them giving me an extra $500, but I doubt that's a good growth strategy for the bank.
Anyhow, the major change is that you no longer need to use the old fashioned deposit slips and envelops which I guess is a time saver for all involved. Unfortunately the on-line guides are confusing and having the machine beep every couple of seconds is a major irritation. Even trying to figure out which receipt you want is painful. When the system "read" my check value wrong ($800 versus $300), there was no apparent way to fix the mistake.
Out of frustration I ended up going through the drive through window. When I explained what had transpired, the ten year old bank clerk (looking like he'd just gotten to work after an all day rave), essentially indicated I was old and stupid for not knowing out to work their state-of-the-art ATM and there was nothing he could do about it. Okay, you just credited and extra $500 to my account. I'm fine with that.
I'd previously transferred my savings account to a different entity (go Navy Federal Credit Union) and this essentially pushed me within an inch of closing my BB&T checking account. Excellent customer service there guys. Ya should be quite proud.