Delta Community Credit Union - McDonough Stephen Smith: On January 2, 2025 I attempted to mobile deposit a check. The deposit was rejected on January 3, 2025 and it was request I go to a local branch to deposit. I then went to the local branch drive drive up and waited approximately 5-10 minutes after sending the check before being acknowledged, and told please wait the employee was working with another customer. Eventually, the employee told me I would have to complete a deposit slip or come into the branch.
I elected to go into the branch. Where I was told they would not accept the check because it had both my name and my wifes name on it. Since her name was on it she would have to be present and sign a waiver of liability. Having never run into a situation like this, and having deposited a check two weeks prior with both names on it, I asked for clarification , but was just told it was their policy.
I then contacted the corporate office to confirm if this was Delta Communitys Policy. I was told yes. I then requested a copy of the policy or policy number. The employee was not able to provide a policy or policy number. Instead she had me look up on the website a policy in regards to cashing third party checks. I advised her that the policy did not mention deposits, and appeared to be for endorsed over checks. The employee was unable to provide any information for the policy other than it took effect on July 18, 2024.
Note: Both this check and the previous check was for an insurance claim. The first was for property damage which included me, my wife, and my mortgage company. This was for the same claim but for personal property damage made out to just me and my wife. Took the check to Truist and deposited it into my wifes account.
I find it outrageous that one they do not accept deposits with additional payees when it is endorsed. Second that no one can find this policy, even though I was able to deposit a check of much greater value two weeks prior.
Additional note: Staff was professional, just did not have the information or justification for procedure
