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Conference 7.286::dcu

Title:	DCU
Notice:	1996 BoD Election results in 1004
Moderator:	CPEEDY::BRADLEY

Created:	Sat Feb 07 1987
Last Modified:	Fri Jun 06 1997
Last Successful Update:	Fri Jun 06 1997
Number of topics:	1041
Total number of notes:	18759

87.0. "BayBanks ATM didn't deliver" by RICKS::PEKKALA (The Harbor) Thu Jan 28 1988 09:19

Last evening I used a BayBanks ATM(part of the Cirrus network) with my DCU ATM
card.  I was trying to make a withdrawl of $100.  I placed my card in the
machine, entered my security code and up popped the selection menu.

I selected the first item, something like "Instant Cash and Balances."  The
next menu indicates 4 withdrawl options, $10, $20, $40, $100(something like
that anyway).  I selected $100.  The ATM then went "quiet" for a brief
moment and came back with another menu, "Do I want to continue?"  I selected
"no" and out popped my card, notice the one item missing...

			N O   M O N E Y!

So, I figured I should have answered "Yes" to the continuation interrogaty,
and repeated the sequence and once again...

			N O   M O N E Y!

I was determined to get some cash from this beast so I tried again only
this time on the first menu I selected "Withdrawl."  Following this path, 
I did end up with the money I sought for and a receipt indicating that only
that amount had been withdrawn.

I've got 3 questions:

	a) Was the BayBanks ATM really making withdrawl transactions
	   during my "Instant Cash" attempts?

	b) Will I be charged $1.00 for each of the "Instant Cash" attempts
	   that did not deliver any cash?

	c) Can anyone tell me why the "Instant Cash" selection didn't work?

As you can guess, this information is very important because if (a) or (b)
are answered as "yes", I've got to beat on some thick skulls somewhere.

Thx. rep

T.R	Title	User	Personal Name	Date	Lines
87.1	Will probably get several $1.00 charges	EXIT26::STRATTON	Ballad of a thin man	`Thu Jan 28 1988 09:36`	10
	If you went through the "insert card, type password" routine three times, I'm almost positive the DCU will charge you $3.00. However, if you call and explain (after you get a statement with three one-dollar charges on it), they'll probably reverse two of them without any problem. Can't help with the other questions. Jim Stratton
87.2	Maybe only 1 charge	MEMV03::SHELTRY	Wayne - MEM Finance IS - Acton	`Thu Jan 28 1988 12:09`	11
	I'm not so sure you'll be charged 3 times. The "Fast Cash" option at BayBanks (and other banks for that matter) does not apply to our DCU cards. When I tried it for the first time on a machine under the Yankee 24 network, I got a message saying that the option was not available for my card. If you do not complete the transaction, the should be no charge. My $1.00 charge for the date that I tried the Fast Cash option showed up on my statement but not the charge for the aborted attempt. Wayne
87.3	A similar problem	AESIR::SWONGER	What, me worry?	`Thu Jan 28 1988 15:16`	12
	I had a similar problem with a Nashua Federal Trust ATM. I tried twice to withdraw $50.00, but it came back with "Your bank is not currently reachable", or some such. I thought nothing of it until I saw the two withdrawals on my statement. I just called DCU and they straightened it out - which was lucky for me because I didn't keep my receipts. So, KEEP YOUR RECEIPTS and keep an eye on your balance, and if there's anything wrong have DCU look into it. Roy
87.4	Resolved	RICKS::PEKKALA	The Harbor	`Fri Jan 29 1988 14:15`	8
	I just got the word from DCU... there were no erroneous charges or withdrawls... I've got it in hardcopy... Maybe Cirrus will some day be the DECnet of the ATM world, providing a common applications layer and standard software that'll run on it independent of machine type... rep
87.5	I don't like sly software	BAGELS::LEVY	Living life at the margin	`Fri Jan 29 1988 17:43`	10
	The "Fast Cash" option is designed to increase the fee income to BayBanks. They charge the participating institution a higher fee if there is both a cash withdrawal and a balance inquiry. Even when one selects "Withdrawal" from the top menu, after the cash is dispensed, the first menu choice is "Receipt and Balances," the second choice is "Receipt." It's almost reminiscent of the practice United and American Airlines did with their travel agent reservation systems.
87.6	Fast Cash is a Checking Withdrawl	ULTRA::KINDEL	Bill Kindel @ LTN2	`Mon Feb 08 1988 15:11`	4
	The BayBanks X-Press 24 "Fast Cash and Balances" function is intended to work against the checking half of a BayBank savings/checking account. If BayBank figures that CIRRUS withdrawls are savings withdrawls, then this function would not apply.
87.7	I was shortchanged	IAMOK::DEVIVO	Paul DeVivo @VRO, DTN 273-5166	`Tue Jul 05 1988 14:24`	15
	I had a different experience, but one which fits under the title ofthis note. In February, I used my DCU card to withdraw $200 from a BayBanks ATM. What I received was $180; the receipt said $200 was delivered. The procedure I was directed to was claim the loss through DCU. DCU has no formal process; you tell the office what happened, and they process a claim. They wouldn't even confirm that I had a claim in process. Well, I assumed I'd never hear about my lost $20 ever again. When I tried to balance my May statement, I was off by $20. Closer examination revealed a $20 correction. The lost $20 was restored to my account!