Had to share this with one cuz it’s kinda unbelievable… So I get a call from someone at the Credit union. Let’s just say, should I decide to stay in the Twin Cities (my living situation here is temporary, which is why I’m cashing the checks instead of just depositing them to a local bank) I’m not sure I would be particularly inclined to open an account here. The member signature is on file, I have the proper ID, and the check is from Affinity Plus. Bottom line: It is a disappointing aspect of customer service to have a policy in place for which a check issued from this establishment cannot be redeemed. The transaction was complete… why bring that up now, as I’m turning away to leave? It just seemed odd like she was trying to «catch me» or throw me off guard or something. I already had the money, they had my ID copied (and my fingerprints, for whatever reason). SERIOUSLY?! My fingerprints?! Then as I was about to leave, the teller said «So, you’re (so & so’s) niece?» Having never mentioned the memo in the file about cashing checks written to me, I was a little weirded out that she would just say that for seemingly no reason. So, I went back to Affinity the following morning, and this time I was told I had to provide my fingerprints to get the checks cashed. She asked that for the time being, to put a note in their file to cash checks written to me without a phone call. She said that it makes it look like her check is not valid, or that she doesn’t have enough money to cash a check she writes, and she simply doesn’t understand the point of even writing a check if they are going to need her verbal confirmation to cash a check she has endorsed. She talked with someone at this branch about what an inconvenience this new policy was, not only for me, but for her as well. Luckily, she works right by the downtown branch. With no viable options and the complete stonewalling from the teller, it was obvious we were getting no where, so I took the checks and my ID back and promptly called my aunt to discuss what had just happened.
But if I can recite the phone numbers and they match what they have on file, I’m not sure what the problem is. I told her she would have better luck trying a cell phone number, to which again, she couldn’t tell me if she had that number on file and couldn’t accept it from me (since obviously I’m trying to pull some shenanigan…). I recited the telephone number to the teller, and she said she couldn’t verify or deny that that was the number she was using. She said they had to call the Affinity Plus Member to verify, which when I explained that if she was using the home phone, no one would be there to answer since they are at work (the person writing the check is my aunt, and I know her schedule). I had proper identification and the checks were signed by the same person/credit union member, and were not some excessive amount that would cause the teller to be suspicious. I had cashed a check from this same family member at this exact Affinity Plus location only a month prior. When I took the Affinity check to Affinity Plus Credit Union, the teller refused to cash them since I didn’t bank there myself. A family member had written me a personal check, and they bank with Affinity Plus. I really appreciated the willingness to make things right and take ownership over their mistakes.Īffinity Plus might be more invasive than the TSA. The manager offered to call the dealer herself and guarantee an overnight shipping of the check, so the dealer was willing to deliver the car to me on schedule, even though I hadn’t paid for it yet. I had already arranged with the car dealer to deliver the car to me that day, on the condition that I would have the check, so this produced something of a dilemma for the dealer. For example, I came in multiple times to print the check, and the 3 rd time I came in, their computer systems were down so they were unable to print the check. Pros: I give them mostly good rating because the people at this branch were very friendly and very willing to help and take responsibility for their mistakes, despite setbacks. Not so great about telling you what you need to prepare beforehand so that your visit goes quickly and smoothly. Cons: They didn’t tell me that I needed cosigner to sign loan docs as well or that I needed to bring in auto insurance info beforehand, so it took longer than expected. I applied for a used auto loan through Affinity Plus online and got approved, then went to this location to get the check printed for the auto dealer.
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