Monday, March 7, 2011 at 2:55PM Bank ATM use case changed needed
Today I went to the bank to deposit a business check, I decided to use the ATM because it was lunchtime and the bank was busy inside. I entered my ATM pin and received a message that it was incorrect, so I thought I type it in wrong and entered it again. I thought to myself, did I change it? I tried an older pin then tried my previous number again, "You have reach the maximum amount of pin entries, you account is locked." I waited inline for about 10 min then I was told by the teller" You can not use your ATM card for 24 hours, but I can complete your deposit and any other transaction you may have." I told the teller "so you are temporary taken away a convenience, and unable to reset my account?" "We are doing this for your security, so if someone tried to access your account, they would be unable to do so. If we had the option to reset your account and your identity was verified over the phone, they could withdraw a large amount of cash. So this forces the person to come face to face with the teller to verify your identity." I told the teller " Ok that makes sense but, I am the person that owns this account, I have my drivers license, social security number, and checking account book to tell you that I am who I say I am. A branch manager or a combination of people with high level access should be able to reset my account to the normal state. If you wanted to get fancy, you could also verify my identity through fingerprint or a retinal scan. Do you have a piece of paper I asked the teller? I made a circle with "customer" in the center, security is your second circle, and then you have procedures that happen when this type of scenario happens, you have your reasons that you just outlined to me. The question you are NOT asking yourself is what is the cost to the customer? You are taking a convenience away from me, but I am saying that I am who I say I am and I want my privileges fully restored now." The branch manager came over and said, "I am REALLY sorry for the inconvenience this causes you but we are unable to unlocked you account for 24 hours." I smiled at him and said "If you need help implemented a software solution for this problem in the future please call my company, have a great day."

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