Bottom line whether or not that is what happened or chase actually has some kind of ridiculous agreement with Vanguard, this branch of Chase Bank cost me approximately half a tank of fuel in my truck, lost time at my business, and lost time with my family. Tiffany, the woman who had taken my call could have alerted me to the agreement, or the teller could have simply done her job.
I don't have an account with this bank. I called this branch and spoke with a woman named Tiffany about cashing a retirement check I had received from Vanguard Fiduciary Trust who does have an account with JP Morgan Chase. I was asked the name on the check and the amount of the check and assured that with two forms of identification and and $8 dollar fee I would have no problem cashing the check with them. I drove the 45 minutes to get the the branch approximately 40 minutes before they closed on Friday. I presented the check to the teller, she asked me for my two forms of identification which I gave her. Then she asked me how I would like my cash back. Told her hundreds was fine and she explained to me that she would have to go in the back because she didn't have enough in her drawer. I waited for her, not bad only a minute or two before she returned. When she returned she had another woman with her. They ran the check through the machine and printed their stuff on the back of it. Then something rather odd happened. The lady that had came back with my teller told her to run it "all the way through" to make sure they could cash it. Then after a click on the computer she said "oh we have an agreement with them not to cash their checks". My response was are you serious, how can you have an agreement with a business not to cash checks written off of their account? Before I had even finished this sentence the lady that had followed my teller back from "the back" had briskly walked away presumably back to the back. My teller repeated the statement that they had an agreement with the business not to cash their checks and told me she was sorry and to have a nice day. She didn't give me a number to call, she didn't give any further explanation, just that Chase bank had agree'd not to cash checks written from Vanguard Fiduciary Trust. She did stamp the back of my check with a stamp that read "Endorsement Cancelled JP Morgan Chase Bank, N.A." and told me I would have to deposit the check at my own bank.
Love the people here they are so helpful and nice! Also free lollipops for kids and coffee for adults!
Came to Columbia city Chase branch bank to fax off about 20 pages to do a mortgage modification since my life has changed quite a bit in the last couple of months! Tried calling Chase direct on their 800# but I just don't have any luck with a tons ever helping me out & I've tried numerous times over the last 2 months, even different departments & get treated awful then hung up on! What a pain to have my mortgage through them anymore I guess?! Maybe things will get better!
The statement that comes with my check states very clearly in bold print not to cash before the date on the check, which the check was dated for two days prior to this debacle. I did drive the forty minutes to the closest branch of my own bank and had to deposit the check through the ATM because of course by this time all the banks were closed. After another 45 minutes back home I spoke to my wife who used to work for a Lake City Bank and she looked over everything I had, the statement and the pictures of the check I had taken. She explained to me that the only reason she could think of was that the teller and her lady from the back had tricked me. No where on my statement or the check does it state that you can only deposit it. And if the bank truly had some kind of agreement with Vanguard the teller should have given me contact information for the Vanguard account manager I would need to call if I had problems with that. My wife explained it something along the lines of the lady from the back probably explained to the teller that they only had 40 minutes left for the day and cashing that check would mean they would have to buy and sell from the back and the drawer and count and reconcile the back and the drawer. I guess its common practice to count and reconcile the back before closing time so they can get outta there early. So its not uncommon for a bank to say they cannot cash a check that is larger than the amount they have in the drawer because of the added hassle of the drawer having to buy the cash from the back and the back having to sell the cash to the drawer and both having to recount the amount of money they have.
Chase Bank is a US Bank based in Columbia City, Indiana. Chase Bank is located at 620 Countryside Dr, Columbia City, IN 46725, USA.
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