Wired & Tired
Members swear wires should be free because “my cousin’s bank doesn’t charge,” but this is the actual fee — every single time.
$20.00
When an ACH credit posts to an account and the name doesn’t match anyone on it — but the member swears “it’s fine” — we call this.
Fraudulent ACH Credit
Incoming ACH credits don’t magically appear on the effective date — we actually post them this many days earlier, even though members swear we “held it.”
2 days
Wesley receives a wire form with no signature — just blank space, hope, and a member who “thought that part didn’t matter.” What would Wesley do?
A. Send the wire anyway and let Compliance discover it like a surprise plot twist
B. Call Dora for emotional support and possibly a prayer
C. Call you and gently remind you — again — that the wire must be signed before he can send it
C. Call you and gently remind you — again — that the wire must be signed before he can send it
Members love to say, “I thought wires were free for me,” but Loyalty Rewards members actually get this many fee‑free wires before the magic runs out.
A member wants to wire money to a stranger for a car they’ve never seen, never test‑drove, and can’t even spell the seller’s name. This situation is known as one giant…
Red Flag
Everyone loves to write “Per Security Code” like it’s the golden ticket, but this is the one thing that actually has to be on an ACH stop payment form.
member’s signature
Wesley receives an Authorization for Electronic Transfer form… but the account being pulled from belongs to a complete stranger. Our member isn’t on it, near it, or even spiritually connected to it. What would Wesley do?
A. Hope for the best and pretend this will somehow work out
B. Let the member know we cannot set up this payment unless they are actually on the account
C. Call Dog the Bounty Hunter to track down this mystery account owner so he can sign the form
B. Let the member know we cannot set up this payment unless they are actually on the account
Members love to argue this one, but this is the type of address we absolutely cannot send or receive a wire to — no matter how many times they insist “it’s fine.”
PO Box
This type of ACH fraud can be returned by the ACH Manager — as long as the member signs the paperwork
Unauthorized Debit
A member without Courtesy Pay signs up for new internet but proudly announces they won’t be paying for it because “it doesn’t fit the budget.” When that debit tries to clear, you should tell them to expect this.
$30 Return Fee
$300 - Clue:
A member calls Wesley, thrilled to announce she’s been “cast” in the brand‑new hit show The Real Housewives of Carter County. All they needed was her routing and account number to set up her direct deposit. Only one issue… the show does not exist. What would Wesley do?
A. Ask the member for an autograph and what channel it’ll be on
B. Ask how he can get his wife on the show so he can retire early
C. Tell the member this is a scam and they now have to close and reopen their account after giving out their banking info
C. Tell the member this is a scam and they now have to close and reopen their account after giving out their banking info
Members love to say, “Just send it like a regular wire,” but international wires need this extra identifier that U.S. wires don’t — no exceptions, no shortcuts.
SWIFT Code
Before the ACH Manager can return an unauthorized debit — no matter how loudly the member insists “I never did that!” — this NACHA‑required form has to be completed.
Written Statement of Unauthorized Debit
A member is already –$200 but has $300 in Courtesy Pay. They ask how much they can still spend — as if the math isn’t mathing right in front of them. The correct amount you should tell them is anything under this number.
anything less than $70 because of the $30 fee
A member wants to send a wire to his “wife” — an overseas doctor trapped in a lawsuit over a stolen car. The wire is supposed to help her move here… but it’s going to her brother Jeff in Florida. What would Wesley do?
A. Send the wire to Jeff and ask to see the wedding photos that definitely don’t exist
B. Send the wire and confidently promise, “Don’t worry, we can totally get it back”
C. Refuse the wire and immediately ask what other personal info this “wife” has collected, because this plot is giving Lifetime‑movie‑scam
C. Refuse the wire and immediately ask what other personal info this “wife” has collected, because this plot is giving Lifetime‑movie‑scam
A member requests to send a wire to Mexico. Regardless of destination, this is the currency we transmit it in.
US Dollars
This animal‑themed label applies to the member who insists the suspicious ACH deposit is “totally legit,” despite the name not matching, the company being one they’ve never heard of, and every fraud indicator on earth lighting up like a Christmas tree.
“Wesley, Wesley, he’s our man — if he can’t do it… WHERE DOES IT GO?” You gave the routing number correctly but botched the account number, leaving off a digit or misplacing that sneaky 9 at the end. What happens to your credit?
an ACH exception that gets manually posted the next day
A member brings in a $50,000 check and urgently demands a $20,000 wire to a “family friend” right now — because apparently this is the most time‑sensitive friendship in American history. What would Wesley do?
A. Put the check on hold but go ahead and send the $20,000 because “it just feels like a good check”
B. Put the check on hold for 10 business days and send the wire only after we confirm it won’t bounce like a trampoline
C. Skip the hold, wire out $20,000, and hand the member $30,000 in cash like we’re running a pop‑up casino
B. Put the check on hold for 10 business days and send the wire only after we confirm it won’t bounce like a trampoline