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#858905 - 11/21/07 03:49 PM Abusive non-customer
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
We have a non-customer that cashes his "on us" payroll checks on a regular basis.

He has gotten abusive with our teller staff when we are unable to cash the check at the time of presentment or when we have ID'd him repeatedly.

We are willing to cash the checks within certain parameters, but...tellers have become afraid at times.

Where should I be looking for guidance on acceptable avenues for our future business with him? (Side note: we have refused him an account for good cause.) Is there an out for refusing him based on conduct in our bank? Would we still have to honor the check somehow?

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#859003 - 11/21/07 04:50 PM Re: Abusive non-customer Cornfed Turtle
HappyGilmore Offline
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Joined: Jun 2004
Posts: 19,844
Pulling people out of the ditc...
Check with state law if you are "required" to cash his check. Generally, you are required to handle on-us items, and there are at least 3 threads on this topic currently open.

First question is why could you not cash at time of presentment? is it an issue with he is paid too much and you don't have funds on-site? You certainly have the ability to trade the check for a cashiers check, rather than give him cash. And for a non-customer, I'd require ID every time, whether he likes it or not. That is for his protection as well as yours.

As far as being abusive to staff, that is not acceptable. do you have security on site? if not, you may want to look at hiring some, at least on the day you know he will be in. A kind word from either them or your branch manager may disuade him from his inappropriate behavior. You can certainly let him know what is and is not acceptable. There is a possible out for repeated behavior issues, but again, you'll need to check your state law on that...
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#859016 - 11/21/07 04:55 PM Re: Abusive non-customer HappyGilmore
rlcarey Online
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rlcarey
Joined: Jul 2001
Posts: 83,224
Galveston, TX
Tell him he is no longer welcome in the branch and the next time he sets foot in it you are going to call the police and charge him with trespassing. Also, call you attorney and look into getting a restaining order. Don't screw around with an abusive non-customer.
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#859186 - 11/21/07 06:49 PM Re: Abusive non-customer rlcarey
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
Thanks to both of you - - - -

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