7 mistakes that can cause bank deposits to 'evaporate'

(Baonghean.vn) -Saving is a safe form that many people trust and choose, but it is not an absolutely safe channel. Through some cases of customers losing money, you should avoid mistakes that can cause your savings book to "evaporate".

1. Do not deposit money directly at the counter

According to deposit regulations, banks clearly stipulate that customers must deposit money directly at the bank. However, in reality, especially for VIP customers, they often ask customer relations staff or acquaintances to help them open a deposit account without having to go to the bank to carry out the required procedures.

Or when VIP customers do not need to open an account and deposit money at the counter, they can go to the director's office to carry out procedures for deposit or withdrawal transactions, as well as sign related documents. This is extremely dangerous, because in many cases, bank employees do not deposit money into the customer's account or do not provide all necessary documents for the customer to sign, or after signing the transaction documents, bank employees can still swap fake documents.

Furthermore, when transacting at the counter, customers will be recorded by the camera and this is very good evidence in case of an incident later.

2. Sign documents in advance

When making a deposit, withdrawal or transfer, customers must not, under any circumstances, sign blank pieces of paper, because all bank transaction documents for depositing, withdrawing or transferring money have clear content and bank employees must comply with the bank's procedures to transact with customers.

Furthermore, with blank forms signed by customers, bank employees can still fill in information to withdraw customers' money in many different ways, and even withdrawal messages are not sent to the phone number that customers have registered, because there may be collusion in different departments.

3. Do not check the details of the savings book or deposit contract.

Customers may be at risk when bank staff accidentally enter the wrong amount of money you deposit, or intentionally misappropriate money if the customer does not detect it due to not checking the savings book; or the savings book or deposit contract does not have complete information.

When receiving a savings book, you need to check the information about: bank name, currency type, amount; deposit term; deposit date; due date; interest rate; interest payment method; full name and address of the savings deposit owner, of the savings deposit co-owner; ID card or passport number; card number, seal, signature of the unit head (or authorized person);...

4. Lend or ask to keep the savings book

Because you have been dealing with the bank employee for a long time, you are close and subjective to "loan the book", or ask the bank employee to keep the book for you. Please note that you should not do so, because before breaking a promise, everyone is a person of integrity.

In fact, there are many cases where bank employees are fired or flee and take all the savings of their regular customers.

5. Change signature font continuously

Although not so bad as to invalidate the savings book, constantly changing the signature is a very common mistake, causing the most trouble for many customers. Remember when transacting with the bank, every stroke of handwriting and signature you leave behind is valuable. Therefore, you should not be too upset when the bank staff asks you to sign your signature over and over again to ensure safety and avoid risks.

Therefore, maintaining a signature throughout the transaction process with the bank is necessary to help customers conveniently and quickly deposit, withdraw and transfer money from their accounts.

6. Not following the correct procedures and processes for closing the books

Not long ago, there was also a dispute and lawsuit between a customer who deposited 70,000 USD (nearly 1.5 billion VND) and a bank in Ho Chi Minh City. The customer claimed that he had 2 savings books, each worth 70,000 USD, while the bank claimed that the customer only had one book. Through the incident, due to a mistake, the teller did not complete the full settlement procedure (with the customer's signature) before transferring the amount from the old book to the new book to enjoy the promotional program.

Although in this case, the court ruled in favor of the customer, you should still closely monitor the bank staff's book opening and closing process to avoid risks for yourself.

7. Online trading

Customers should not access strange and insecure websites on their computers or phones. In addition, you should regularly have a virus scanning program from reputable software companies and always update to the latest version; always promptly receive notifications from the bank where you open your account about risk warnings in online transactions.

Ngoc Anh

(Synthetic)