• Report: #977814

Complaint Review: Zions Bank

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  • Submitted: Tue, December 04, 2012
  • Updated: Tue, December 04, 2012

  • Reported By: Bry Kent — Mt. Eagle Utah United States of America
Zions Bank
Saratoga Springs Branch Saratoga Springs, Utah United States of America
  • Phone: 801.766.9480
  • Web:
  • Category: Banks

Zions Bank Cashier Check Misrepresentation Consumer Beware Saratoga Springs, Utah

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We received a cashiers check from the sale of musical equipment on Craig's list. We went to our Zions bank to cash and deposit the check. During the conversation with two of the bank employees we explained the circumstances and asked if this check was good to go. They assured us that it was. We we assured that this cashiers check was as good as cash as we explained to them what we were doing. The ladies there had become friendly associates.

We were never told until later that day when we called Zions Bank that cashier checks are held against our account and have to clear late that same working day through their computer system.

Zions Bank has the responsibility and information available to them about possible cashier check fraud. We did not find this out until we discovered that we were getting scammed via a phone call.

If we had been warned about cashier check fraud being a problem, we would have waited to withdraw monies to pay for shipping of equipment. We wired $850.00 and lost it!

We were misrepresented by Zions Bank and not informed of bank policies concerning cashier checks. Cashier checks are not as good as cash!!!! They are like any other check that has to clear before credited to your account.

I have banked all my life and never new this. I wonder how much of the general public know this about cashier checks. The only reason the bank gave us $950.00 cash was because our account had the monies in it to cover that amount. If we had know this was the case, using our OWN money and not the cashiers check money -  we would have never gone through with the wiring of monies to the scam artist on the other end!!!

With proper information from the Zions Bank we would have waited for it to clear and saved a scam form taking place. It is the banks responsibility to inform its customers of fraudulent activities and possibilities.

We were informed of all this AFTER the fact once we called and inquired the bank to check for us to see if the check was good. Within 30 minutes they got back to us and informed us that the check was not showing up anywhere and was no good!

Why do they not do this upfront. We would have had no problem with waiting for an answer to stop a fraudulent scam during the scam. With the banks help and responsibility to our monies, it should have been done...


This report was posted on Ripoff Report on 12/04/2012 10:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/Zions-Bank/Saratoga-Springs-Utah-/Zions-Bank-Cashier-Check-Misrepresentation-Consumer-Beware-Saratoga-Springs-Utah-977814. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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