I can’t remember the last time I wrote a check. It happens very infrequently. I pay the vast majority of my bills online and I certainly don’t have my checking account number memorized.
Occasionally I need to deposit checks into my checking account. When that happens, my preferred strategy is to use an ATM machine. In fact, the one I use the most often scans the checks and adds them up for me. I just have to confirm that the total is correct.
This seems very easy to me. The card reader scans my check card and identifies my account so the computer knows exactly who I am and I simply push the button that corresponds to my checking account.
At no time am I asked to enter my checking account number.
A few months ago the ATM machine was out of order for whatever reason so I went inside the bank. This is Wells Fargo which bought out Wachovia (which had been bought out by First Union but they kept the name).
The sign behind the counter reads, “We have one powerful business rule. It is concentrated in one word: courtesy.”
I went up to the counter and presented the checks to the teller. She asked me to slide my card in the card reader, which I did. Then she said, “Did you fill out a deposit slip?” and I said, “No.” She rolled her eyes, took a deep breath, with a subtle shaking of her head and proceeded to fill out a deposit slip.
I felt embarrassed. I said, “Sorry, I normally use the ATM machine.” A tight smile crossed her lips and she said, “No problem.” On the way home I got to thinking. Why should I be made to feel like an ass because the ATM machine wasn’t working and I forgot to fill out a deposit slip for the teller?
So, fast-forward to July 3 (the day before yesterday). I had a check I wanted to deposit into my checking account and I didn’t want to use the ATM machine because I knew July 4 was a holiday and I wanted the check to clear as soon as possible.
I walked into the bank, grabbed a deposit slip, and filled it out, minus my checking account number. I waited in line, approached the teller, and said, “Hi. I have a check to deposit. I’ve filled out as much of the deposit slip as I could but I don’t know my checking account number. Can I please slide my card?”
She seemed surprised and said, “Umm… yeah sure.”
I slid the card and said, “You know, the last time I was here I didn’t fill out a deposit slip and the teller wasn’t very happy with me.”
This attracted an authority figure of some kind. I’ll call her “the woman with the attitude” who possessed that special passive aggressive demeanor that lets you know you’re causing a scene in a place where decorum is expected at all times.
She wanted to know if there was “a problem”.
“No, there’s not a problem, I was just explaining that last time I was here I didn’t fill out a deposit slip and the teller seemed annoyed with me.”
“I’m sorry you felt that way.”
“Thank you. I’m curious. Why are deposit slips necessary? They’re not required at the ATM machine.”
“You are welcome to go outside and use the ATM machine.”
I’d like to pause here for two reasons. First, to point out the obvious. This is not the way to handle a customer complaint. This is willful escalation. Second, I feel that I owe the reader an explanation of why deposit slips are disrespectful to both customers and employees of the bank.
To assist me, I’m going to quote an article about Toyota’s lean methodology. This is from an article about Denver Health but I’m going to substitute the word “customer” for the word “patient.”
“Lean is a systematic approach to continuous improvement based on the car company’s manufacturing experiences and quality improvement efforts. It’s founded in a fundamental respect for people and the belief that continuous improvement involves the identification and elimination of waste that takes up time, resources and money.
Examples of waste include unused human talent, unnecessary waiting, inventory, transportation, defects and processing. The theory behind Lean in healthcare is that eliminating unnecessary and non-value-added activities means that [customers], who ultimately determine value, can receive the best possible care through sound processes.
In addition, staff members can deliver [customer] care and services in an effective and efficient manner, all while respecting their talents and efforts.
Consistent with Toyota’s Lean philosophies, [enter company name here] officials believe waste is disrespectful to society because it squanders resources, is disrespectful to workers because it asks them to perform non-value added work, and is disrespectful to [customers] because it asks them to endure processes with no value.”
So, in my opinion, deposit slips are disrespectful to customers and bank employees because it’s a non-value-added activity, an unnecessary bureaucratic process, and importantly, it sets up potential problems between customers (like me) who don’t always suffer non-value-added activities silently, and employees who are not policy makers who are stuck in a flawed system who may take their frustration out on customers (like me) who don’t follow the process.
Back to the story.
“Yes, thank you. I’m aware that I’m free to use the ATM machine. I’m just asking why the ATM machine doesn’t require a deposit slip but the tellers do.”
The authority figure, in her best talking-down-to-a-third-grader tone of voice, explained why the deposit slips are necessary (they need a piece of paper to document the transaction) and I gave my counter-argument (can’t you just give me a receipt and keep one for yourself that shows the account number?) I saw that we weren’t getting anywhere so I threw in the towel.
The bank teller who patiently waited while this went on said, “Would you like a receipt or would you like it emailed to you?” and said, “I’d like to have it emailed to me.” So I selected that option on the little screen and said, “Are we done?” and she said, “If that’s all you need today.” I said, “That’s all.” She said, “Thank you” and I walked out to the car.
But there was a problem. I couldn’t find my phone.
I remembered placing it on “silent” mode prior to walking into the bank. But, before I walked back inside I wanted to make sure I hadn’t absent-mindedly put it into one of the cargo-pant pockets of my shorts or let it fall between the seats.
No, it was definitely missing and I didn’t have it.
So, I walked back inside the bank and now there was a big line.
I scanned the area where the deposit slips are filled out. Nothing. I walked to the side of the counter and looked at the area in front of the bank teller I had used. No phone.
My bank teller saw me looking around and raised her eyebrows (not in a negative way — more like “Is everything okay?”) and I said, “I can’t find my phone and I know I brought it in here with me. Could you please get the manager?”
You guessed it! Enter “authority figure with an attitude” and begin Act 2.
Now she’s just unapologetically rude.
“I can’t seem to locate my phone.”
“Well it’s not here now.”
“I had it with me when I came in the bank.”
“Well I don’t see it.”
“All right, well why don’t we check the security footage on one of these cameras and see if we can determine what happened to it?”
“No, we don’t do that” (or something like that).
Deep breath.
“I’m not leaving without it.”
No response.
“Why don’t you do me a favor and contact the sheriff’s office so we can get to the bottom of this.”
“If you go sit in that chair over there I’ll get the manager.”
“I’ll wait right here.”
“FINE!” Woman with the attitude exits stage right and slams the door.
The (much nicer) bank teller says, “Would you like me to call your phone?”
“Yes! Thank you. Maybe someone will answer it.”
I give her the number and seconds later a bank teller about four stations down holds up my phone and says, “Hey! Is someone calling this phone?”
The bank teller says, “Is that your phone?” and I say “That’s the one!”
The other bank teller says, “You left it by the deposit slips.”
In other words, had the woman-with-the-attitude made even the slightest effort to locate my phone she would have found it within seconds.
Not cool.
Now, I will anticipate some of your objections.
“Maybe if you had been nicer the woman would have tried to find your phone.”
Judges? Bzzzzzzzzzzzzzzzzzzzzt.
Did I question a process at the bank? Yes. I didn’t kill anyone’s first born child.
“Maybe it was the way you said it.”
Maybe. Or maybe I just had the audacity to question why a deposit slip was necessary.
Either way, a customer is a customer. Some will follow your rules, both written and un-written, some will question your processes, some will complain when they are treated rudely, others will simply do business elsewhere.
How you manage customer complaints is a very important part of customer service.
Businesses can’t afford to dismiss customers that rub them the wrong way, especially when it’s more ego than merit.
Consider this advice from How to Handle Customer Complaints from Inc. Magazine.
“Customer feedback is a “gift,” says Ann Thomas, a senior consultant at Performance Research Associates, a consulting firm in South Bloomington, Minnesota, that deals with customer service-related issues. “I can’t fix the problem unless I know about it…”
“As frustrating as it is to be the customer with a complaint, it’s no delight being the business representative who gets yelled at for a problem likely caused by something or someone else. But, Morgan cautions, don’t take it personally. “People say stuff, and they call us names, and they say we’re incompetent. Listen to them fully without interrupting, if possible, and then help them.”
Further, don’t respond to accusations or offensive complaining in a way that perpetuates the argument…”
I certainly didn’t call anyone names or suggest anyone was incompetent, but you get the idea.
This complaint, even if delivered under the wrong set of circumstances, could have been easily handled with a gentle smile and a sense of humor.
“I know it’s silly but banks are slow to change. Let me fill that out for you.”
It’s not rocket science.
Or, better yet, embrace new technologies like this service from Chase that allows you to deposit checks from the comfort of your own home by using (you guessed it) the camera of your smartphone!
No deposit slip required.
Update: Wells Fargo made the 2012 Customer Service Hall of Shame.