Conference 7.286::dcu

    	I also withdrew a significant amount of money when I was in
    Maynard for a class.  My badge was not in sight of the teller and
    the teller never requested any identification.  This bothered me
    enough to ask the manager of BTO's DCU as to if this was common
    practice.  She said that most will not ask for ID if you're a
    familiar face.  The only problem being that this was the 1st time
    I ever set foot in Maynard.  All someone would need to know is a
    badge number and the knowledge that there was at least as much
    money in the account to cover the withdrawal.

        This seems to vary from branch to branch.  Here in Bedford
        (BUO), the customer service reps are very good about asking
        for identification for people they don't know.  Of course,
        because of the training classes held here, there are far
        more "non-locals" here than other places (with DCU offices,
        anyway).
        
        I would definitely report this; either to the branch manager,
        or John Tilley/Donna Lane Nelson (see Note 2.2).  If you
        remember specifics, like the date, time, and customer service
        rep, that would help. 
        

	About 2 years ago, I was on vacation in Florida from the last
	week of July till Labor day.  When I picked up my pile of mail 
	from the post office,  I found a DCU cashiers check may out to 
	me for $100 dated in August. 
	
	Thinking that maybe the DCU system hiccup again (which is has
	done occasionally), I originally decided to ignore it.  Thinking 
	about a second time, I decided to called DCU.  I called the MK 
	office and gave them the "teller" name and number on the check 
	receipt, the "teller" work in Maynard, so I called Maynard.  
	According to the "teller's" telephone hand written record, I called 
   	Maynard DCU gave them my badge number and requested a $100 
	withdrawal from savings.  Since I was in Florida in August 
	I **KNOW** I did not make the phone call.  So, either the teller 
	wrote the wrong badge number down or someone was indeed 
	attempting to withdraw money from my account.  

	I have heard that they now ask for badge number, social security
	number and/or date of birth.

    I see two problems with the badge numbers. Actually the a solution to
    first is the second. The amount of importance placed on the badge
    number should dictate the use of a check digit or other similar means
    to detect typing errors. However, to suddenly change the current number
    system would be an unimaginable nightmare. The last unofficial employee
    count I heard was above 100,000. I also would not be surprised if there
    are many pieces of software out there that expect the badge number to
    be no more than six digits (six numeric characters). 
    
    Bob Cleary
    Software Services
    Piscataway, NJ 

I think they do use more than just badge numbers.  Watching a DCU teller, it
appears that they enter the badge number followed by 2 letters (I think it's
the first 2 letters of the last name).  While this certainly doesn't reduce
the chance of errors to 0, it helps.

-Mike

    New tellers at the ZKO branch have asked me for id.  I don't carry
    or wear my badge, but they asked several identifying questions before
    allowing the transaction.  (Questions like, what is your husband's
    hire date {it was his account})...

I recently went down to the DCU main office for a second mortgage
closing.  I went in, gave my name to the receptionist and a lawyer
came in, took me to an office and we signed documents.  No where did 
anyone check to see if I was who I claimed to be and no one had ever 
seen me nor talked to me before.  I realize that the risk of someone
other than the signor is unlikely to show up, but I still felt
strange signing all this (particularly beside the..this person is known 
by me to be...in the presence of witnesses...(there were no witnesses))
without anyone being certain that I was whom I claimed to be.

    I don't recall needing a picture ID for the mortgage on my home.
    (Gotten from a mortgage company)  Why should DCU require one for
    a second mortgage?
    
    If I'm getting cash, that's one thing.  They should require some
    type of picture ID, or the cashier should know me.  If they don't
    give me cash or a check, why bother?
    
    	- Barry

What bothered me was that legal documents were signed illegally.
My signature was not witnessed.  The notary will not have seen me much
less know that it is my signature.  DCU could come back and say that
the documents were signed by all parties not in accordance with law
and call in the loan causing me to have to find a lot of money fast.

(Which they can apparently do anyway with written notice with unspecified
lead times.....)

It just seemed strange that not even the DCU employee I had been
talking with for the last month was there.

    This is an official response by John Tilley of the DCU. The portion of
    that response, dated 18-January-1988, that applies to this topic note is
    included below. See note 2.22 for more information. 
    
    Whether you agree or disagree with the response from the DCU,
    *PLEASE* remember I'm just the MESSENGER.
    
    Carl Leeber
******************************************************************************
    DCU SECURITY ISSUES: DCU Branch Administration wants to address
    member's security concerns quickly and thoroughly. If you feel there
    is a security lapse at a DCU branch please report it to either John
    Tilley or Anne Connell at DCU HQ.
******************************************************************************

    Re:  [All]

    Where were all you 'fine' folks when I was a teller battling it out
    with customers who refused to show me their 'ID'?  I couldn't believe
    the number of customers (and it was a majority) who were indignant
    about my asking to see some identification.  I *was* attempting to
    protect 'their' interests.  I personally get indignant when a teller
    does not ask to see my identification regardless if I'm withdrawing
    money, cashing a check, or just checking my balance, but they usually
    don't get the chance to ask as I 'always' provide it right up front.
    Maybe I should 'test' them more often.

    -- Rob