A while ago I went into my local TD branch to do a cheque deposit. My wife had endorsed the cheque as it was a larger cheque.
The Teller told me that I could not in fact make a deposit at that time because all the banks computers were down, due to storms in the Toronto area. I looked at her a little puzzled and explained that I really didn’t feel safe wandering around with a cheque endorsed by my wife for the next two days, until their computers came back up.
She said she could take a note, and deposit the cheque once her computer came back up (it was 2:45 PM, the bank closes at 3:00 PM, it was a Saturday, I did not hold out a lot of hope that much would change in 15 minutes), so I agreed.
The Teller then did the following:
- She wrote down my access TD card ID number, in a writing style, where I could barely read what she had written.
- She filled out my instructions on a bank form.
- Signed the form
- Photocopied the form with a copy of the cheque and stamped it dated for Monday for me.
What does this mean? I have no idea, I know that so far nothing seems to have happened in terms of the cheque, as my on-line banking does not show any changes. (it did finally show up)
The humorous part then was, when I asked if the Interac network was down, and she informed me that no it was still up and I could also withdraw cash from my TD account if I wanted to then as well. I left the bank feeling very nervous about what might be happening to that cheque. I walked over to the Loblaws and deposited the other two cheques in my PC Financial account.