Wells Fargo Bank ATM ATM Wells Fargo ATM returned my deposit & caused overdraft fees Sidney, Montana

If the check had been "cleared" as you state in your report..then how can this bank claim it was not their error? If they cleared it and then after 10 days tell you they don't allow these types of ATM deposits..then THEY made an error..plain and simple. I would fight this out with the bank...do not give in if your report is accurate. I guess an important question is...was the check good?

A bit of advice since you live paycheck to paycheck. You may want to consider opting out of overdraft protection which I believe your bank now allows.

I do not know how much it would have helped since this may be a bank error situation that they refuse to acknowledge..but it might have saved some fees if you incurred any from debit card use. In other words...any fees you had from transactions that were approved AFTER the bank reversed the check deposit would have been declined if your account was at or below zero. This would have given you the ample opportunity to deal with the issue before any further fees could be charged due to continued use of your debit card. Now if you only use checks and do not use a debit card..overdraft protection can come in handy to prevent addition NSF fees and cover bounced checks..so in that case the service has some merit...albeit it is not cheap

Another bit of advice...NEVER EVER EVER unless someone has a gun to your head deposit ANYTHING into an ATM machine. Always wait until you have the time to hand it to a teller..and get a receipt. Or..cash the check and deposit cash..but NEVER at an ATM. Some complaints here state the bank "lost" all or part of these deposits..which is even worse then what happened to you.

So were you depositing this check in your account for someone else. Also known as a 3rd party check?

Was it your check or the other persons?

Sounds like you deposited someones elses check in your account and you gave them some money and kept some or was it supposed to be all yours?

Sounds like the check bounced at the other bank and was returned. You should complain to the person who wrote you the check. Not your banks fault. They tried to help you out by making the balance available -- because you live check to check.

I know people that use Wells Fargo and they never had a problem with 3rd party checks in ATM's

“So were you depositing this check in your account for someone else. Also known as a 3rd party check?

 

Was it your check or the other persons? “

Both.  A check can be written to more than one person.  For example, the IRS makes the refund check out to both people in the case of a joint return.  As long as both people endorse it, there shouldn’t be a problem.

“Sounds like the check bounced at the other bank and was returned. You should complain to the person who wrote you the check. Not your banks fault. They tried to help you out by making the balance available -- because you live check to check.”

The bank’s policy is the bank’s policy, but the check should have never cleared and the money should have never been made available.  This is the bank’s fault, plain and simple.  If money was made available, how could this person possibly have known that the money was going to be taken away from them later?