I'm Testing Bank of America (Page 4): I had a similar experience in 73 where I opened and account with BOA and then was transferred back to the east coast, didn't get back to the west...

marine73 Loc: Modesto California

I had a similar experience in 73 where I opened and account with BOA and then was transferred back to the east coast, didn't get back to the west coast for for about 6 years and when I asked about the account they said I never had an account with them. I had a savings account with them and also was cashing my pay checks every two weeks with them. Don't remember how much I had in the savings.

bikerguy

Morry wrote:

I had an incident that happened way back in the 50... (show quote)

Banks are required to escheat dormant account balances to the state after 3 years. You need to file a claim with CA for your account. It is not the bank's fault that they no longer have your funds, it is the law.

JohnSwanda Loc: San Francisco

bikerguy wrote:

Banks are required to escheat dormant account balances to the state after 3 years. You need to file a claim with CA for your account. It is not the bank's fault that they no longer have your funds, it is the law.

The bank should have told him that.

RoswellAlien

Be aware of what all the account switching might do to your credit score.

nimbushopper Loc: Tampa, FL

jerryc41 wrote:

I use a credit union - no charges for anything.

bobmcculloch Loc: NYC, NY

jerryc41 wrote:

Bank of America is awful. A few years ago, I was ... (show quote)

We've let the BofA card go dormant, their tellers are the worst,

SteveR Loc: Michigan

JohnSwanda wrote:

You must not have read my post. I said I did have a list of the checks, who they were from, and the amounts. That's probably the only reason they gave me access to the funds. My objection was that they said it would take up to four weeks to confirm the deposit when they would find the checks when they next opened the ATM.

All I can say, John, is, that this has not been my experience. We are in a major banking hub, however, Dallas. Maybe it's different where you are. When we deposit checks into the ATM they show up immediately but are actually available in to be used after midnight. I don't think opening the ATM and physically verifying the checks has anything to do with it. At least here.

In the last few years, BOA has done everything they can to encourage patrons to bank either online or through the ATM rather than by coming into the branch offices which would require more personnel.

kufengler Loc: Meridian, Idaho 83646

I have never had to open an account when cashing a check, no matter what institution the check was from.
All my credit cards are from different banks, one we use the most is from Chase, and also a Chase Amazon Prime credit card used for Amazon purchases, 5% back for points at Amazon. On the other Chase card we've gotten back $1000 each year over the last 3 years. I use 2 different credit unions for my usual backing needs.

JohnSwanda Loc: San Francisco

SteveR wrote:

All I can say, John, is, that this has not been my... (show quote)

When I deposited my checks into the ATM I didn't get a receipt. So there was something defective with the ATM, and the checks were not credited. But I knew they were in the machine, and would be found when they opened the ATM. But they told me it wasn't that simple. Why not?

Longshadow Loc: Audubon, PA, United States

JohnSwanda wrote:

When I deposited my checks into the ATM I didn't get a receipt. So there was something defective with the ATM, and the checks were not credited. But I knew they were in the machine, and would be found when they opened the ATM. But they told me it wasn't that simple. Why not?

Evidently if they don't understand the process, it's not simple?

Fredrick Loc: Former NYC, now San Francisco Bay Area

jerryc41 wrote:

Bank of America is awful. A few years ago, I was ... (show quote)

Receiving a B of A offer of a credit card with no interest until 2015 sounds about right for B of A.

Merry Christmas!

jerryc41 Loc: Catskill Mts of NY

DirtFarmer wrote:

If they're going to charge you interest since 2015 you're in the hole already.

Whoops! That should have been 2025. I don't know why they had to put the "1" and the "2" so close together on the keyboard.

JBuckley

I've had several mistakes made by B of A on my checking accounts.

I was the overseer of my Dad's B of A accounts for years, and they (4 times), made deposits and
withdrawals from my account and, likewise, deducting money from my father's account, instead of
my own. Sometimes the mistakes were not found until the "monthly" bank statements came in the mail.
The fact that our first and last names were the same, should not have made a huge difference.
Our bank accounting number were not the same, and we were 20 years apart in age.

The mistakes were (clearly) human errors by the bank tellers, and we realized that we are all human.
My father never knew of the errors, so he didn't think anyone was trying to sneak off with his money.

So, if you have new sons (or daughters), that you want to name after yourself, "Don't do it".
I'm sure that we were not the first people to have such a problem with I.D. in banking.

(Always check and recheck, your account numbers on deposit and withdrawal slips.)
Life can be interesting......

clint f. Loc: Priest Lake Idaho, Spokane Wa

Morry wrote:

I had an incident that happened way back in the 50... (show quote)

They are required to close inactive accounts after a period of time. The money goes to the state where it is held for a period of time. There is a state agency that administers the unclaimed money and if you inquire they will send you your money IF, I repeat, IF it’s within the time limit that the state is required to keep the money. Once that time limit has passed the money is added to the general fund. The fund isn’t just for bank funds but also refunds from retail businesses, unclaimed stock dividends and such. Not exactly sure how the bank is at fault for following the law after you forgot to withdraw and close the account. Consider it a donation to California, god knows they need it for some moronic program or project.

JBuckley

Amen.

I use two banks, but my monthly, retirement checks come into B of A.
I've used this process for over 40 years, but lately, I'm wondering if
it's time to have my government checks forwarded to my other bank?

The one reason that I don't change, is that trying to make any changes with the
federal government is dangerous. I don't know how many months it would take
for the Treasury Department to get their records straight.

I've heard too many horror stories about the government (assuming) that you have
died, and discontinue sending retirement check to your bank.

I guess I'll hang in there until B of A goes bankrupt........and hopefully, they do it
after I've withdrawn all of my savings and checking.