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Conference 7.286::dcu

Title:	DCU
Notice:	1996 BoD Election results in 1004
Moderator:	CPEEDY::BRADLEY

Created:	Sat Feb 07 1987
Last Modified:	Fri Jun 06 1997
Last Successful Update:	Fri Jun 06 1997
Number of topics:	1041
Total number of notes:	18759

964.0. "Sleazy BayBank ATM?" by MONTOR::KYZIVAT (Paul Kyzivat) Sun Dec 17 1995 13:31

The other day I took money from a BayBank ATM using my DCU card. I don't
often use BayBank, and their ATM seemed pickier than most. I think they
managed to screw me out of a transaction fee:

All I wanted was to withdraw money from checking. At the end of the
transaction it told me something about not being able to give me my balance
as part of the transaction, then proceeded to ask if I wanted the balance
separately. (I wasn't paying much attention to what it was asking so I
don't remember the exact details.)

I asked for the balance because it had not yet printed anything and I
wanted some verification of the transaction. But the end effect seemed to
be that it forced me to make a separate balance inquiry for with a separate
transaction fee is required.

Now maybe I just didn't understand the structure of the transactions at
this ATM and I could have done everything I wanted in one transaction, but
I certainly felt like I had been intentionally mislead to make an
unnecessary transaction. Is this just me, or am I right in being annoyed at
BayBank?

	Paul

T.R	Title	User	Personal Name	Date	Lines
964.1	Balances on non-DCU ATM	SLOAN::HOM		`Mon Dec 18 1995 00:16`	17
	When a non-DCU ATM sends an inquiry to the DCU computers to verify if there is sufficient funds to cover the withdrawl, the DCU computer answerback to the non-DCU ATM includes the balance. Unfortunately, it is up to the ATM owner to decide what to do with that information. Of course, the Baybank ATM could just throw away that information and really make a second connection to the DCU to get the balance - I don't know. I have used a non-DCU ATM in Colorado that printed the checking balance (at no charge). I have also used a Citibank ATM that DIDn't print it but could - for a fee of course. Gim
964.2	a difference in attitude	WRKSYS::SEILER	Larry Seiler	`Mon Dec 18 1995 15:28`	11
	.0: Well, I'd be a bit annoyed at Baybank for getting charged for this! One of the nice differences between a bank and a credit union is that a bank is concerned about customer satisfaction in order to make more money for its shareholders, whereas a CU is concerned about customer satisfaction because they ARE its shareholders! The current Board and management (and I might add Supervisory Committee) keep this fact very much in mind. Enjoy, Larry
964.3	DCU vs BayBank ATM Cards	SLOAN::HOM		`Tue Dec 26 1995 21:02`	17
	BayBank has two types of ATM's. Xpress 24 and Cash 24. One type (Xpress 24?) is located at supermarkets, stores, etc and has surcharge even for BayBank ATM card holders. Baybank expects its card holder to pay for the convenience. If you are a DCU card holder, there is no charge if this withdrawl is one of the four free. So - in this case, DCU ATM card holders are better off than BayBank ATM card holder at BayBank ATM's. My wife, a former BayBank ATM card holder, has since closed her account and moved everything over to the DCU. Gim
964.4	DCU is sleezy too	TARKIN::VAILLANCOURT		`Fri Mar 22 1996 15:30`	7
	I don't use DCU anymore, but, do use their ATM machine which is right in our facility. And, when I withdraw money from my bank account, the DCU ATM does not print my balance. So DCU is just as sleezy as BayBank for not printing the balances and forcing me to make a separate inquiry to find out my balance (all the other Cirrus ATM's I use include your balance when you make withdrawals).
964.5		skylab.zko.dec.com::FISHER	We're Star Fleet officers: Weird is part of the job! -Janeway	`Fri Mar 22 1996 18:53`	5
	It might be that your bank is not sending the info. I not only get the balance for my DCU account at a DCU ATM machine. I also usually get it at other machines (First NH Bank ATMs in particular). Burns