Conference 7.286::dcu

    
    And did you call EasyTouch this AM?  did it have the right info?
    
    
    My guess (from practice with this) is that although checks are 'posted'
    against the account, sometimes, the EasyTouch is behind, but I almost
    always corrected if I wait for what I consider the magic time to pass
    (i.e. Midnite).  My guess is they reconcile the systems on specific
    intervals; although I don't know what those intervals are.
    
    I can't remember anytime where if I waited until morning that things 
    weren't "corrected"... well there was this time the wife used the Debit
    card without telling me, but that's another story...  what I'm waiting
    for is the DCU to implement the "last 5 cleared" debit transactions..
    
    
    
    John
    

    Also, if you use "specific check cleared" for checks older than (some
    time that's about a month), it reports "did not clear" even though the
    check cleared. I suspect that the program assumes that you'll find
    those older checks by looking in your account. It would be better if it
    said something like "check not found in cleared checks list; perhaps it
    hasn't cleared or perhaps it has cleared but is too old."
    
    Doug.

Re: .2

I have forwarded your note on to the Operations Manager of the DCU.
I'll let you know what I hear.

Gim

On a somewhat related note...

Any chance the Easytouch system will be improved any time soon?  I find Easytouch 
very useful but I am continually frustrated by the fact that ATM and
Check Card transactions are not included in the "last 5 transactions" log.
I am usually pretty good about recording checks written.  The time to clear
is fairly predictable.  It is the other transactions where I often need the
information.  Especially since I seem to have developed a bad habit of
using the card but forgetting to log the entry in my computer based register.

Being able to check these transactions would be a big help.

						Mark

RE: .4

Mark -

Thanks for your comments about Easytouch.  Are you located near a DCU branch? 
If so, please stop in and pick up a "How are we doing?" comment card.  I think
yours is a good suggestion, but DCU Management does not read this notes file. 
Comment cards are read by Management, Carlo Cestra, and the Board of Directors.
You can also submit comments via the DCU Web page, if you prefer.  If you are
not near a branch, or don't have Web access, call the Info Center and ask them
to send you a comment form.

I also encourage you to post these ideas in the notes file, because the
discussion is read and discussed by many members, and a few of us directors.

Elaine

The DCU welcomes comments/ideas from its members. Please
feel free to call or send email to the DCU directly.
They can be reached at 

	US3RMC::"[email protected]" 

I've been in board meetings where Carlo has asked why he doesn't hear
from members directly.

Gim

Gim, Elaine,

Thanks for the prompt responses.  I'll send in the suggestion via the Web.
I asked here first in case it was something that was already in progress.

						Mark

    re: .6
    
    Gim,
    
    Get Carlo an e-mail account and I'll give him an earful:-)
    
    I guess in a sense, I wonder just how much 'filtering'goes on via the
    [email protected] account.
    
    Bob
    

RE: Note 940.6 by SLOAN::HOM

>I've been in board meetings where Carlo has asked why he doesn't hear
>from members directly.

Does he really want me calling him?  I tend it doubt it.  I elected a BOD that
voice what I want to have happen.  That is how Carlo hears from me, in general.

	- mark

When I say Carlo wants to hear from members, I meant it in the
more general figurative sense. 

Feedback to Carlo and the DCU can take the form of 
	- email,
	- comment cards,
	- surveys, etc.

Gim

Does Carlo have an Internet Email address of his own which he would welcome
members to use? How about other key DEFCU management folks? Would a board
member be willing to look into this (somehow I doubt that a query through
the info line would be as effective as a question to Carlo & Co. from their
employers.)

    regarding calling Carlos:  When we talked, I had the 'feeling' that he
    was sincere in talking with me, that he listened carefully, and that he
    took the apporparite action.  He sounded like the kind of guy that you
    could sit down and have a cup of coffee with.
    
    on the other hand, I'm sure he doesn't have time to talk with 60K+
    members.  
    
    He does sound like the right man in the right place.  My hope is that
    his member's first approach trickes down through the bouracratic
    bloated managment that was in place prior to his arrival.
    
    ed
    

> Feedback to Carlo and the DCU can take the form of 
>	- email,
>	- comment cards,
>	- surveys, etc.

    What about the BoD? I thought when we elected you people you
    promised to listen to what the members were saying and then bring
    OUR issues, ideas and comments to the DCU management?

    Charly

You can be assured that any comments posted in this notesfile or
emailed will be read by board members. 

My apologies if you inferred from my note that the Bod isn't listening.


Gim

RE: Note 940.10 by SLOAN::HOM

>When I say Carlo wants to hear from members, I meant it in the
>more general figurative sense. 

>Feedback to Carlo and the DCU can take the form of 
>	- email,
>	- comment cards,
>	- surveys, etc.

As a member, I would add:

	- through the board members from membership contact.

All 4 are valid and useful.

	- mark

> You can be assured that any comments posted in this notesfile or
> emailed will be read by board members. 
> 
> My apologies if you inferred from my note that the Bod isn't listening.

    I assumed so... I just thought it odd that you listed several ways
    to communicate ideas/comments to DCU but somehow didn't list the
    Bod as a route.

    I also assume using any one of these methods would be sufficient
    without the need to follow up with another method.

    Charly

    "Humorous" communications story... 

    I recently closed my accounts at a local "Big" bank and have
    returned to the DCU as my primary banking institution. I went down
    to the local "Big" bank office one afternoon to close my accounts.
    I sat with the branch manager and informed him of my decision and
    asked for the current balances of my checking and savings accounts
    so that I could withdraw all the funds and close the accounts.
    After several attempts to get me to reconsider, he gave me the
    balances, and even wrote out the withdrawall slips for me. He then
    took my ATM card and cut it up and threw it away. I went to the
    window and withdrew the funds in the form of a check and I left
    the bank thinking that those accounts were now officially closed!

    I deposited the check in a DCU ATM machine and about a week later,
    I get a note from the "Big" bank that my checking account is now
    overdrawn! They've graciously covered it for me, but I now owed
    them for the overdrawn amount plus a fee, $25 + $22 = $47!!! It
    seems that they posted their monthly service fee later in the day
    that I "closed" the account and then their cashier's check
    overdrew the account.

    I call their 1-800 customer line and ask them what's up? The phone
    person says that according to the computer, the accounts are still
    open! How can that be, I closed them at one of your branches last
    week? Well, they're still open but I can closed them now if you
    want.

    Me: What assurance do I have that you...
        a. can close them, 
        b. will close them,
        c. that they'll stay closed?

    He says: Well I'm telling you now while I'm doing it.

    Me: Well I sat in a branch office last week and the manager told 
        me the same thing and even cut up my ATM card!

    He says: Well what can I say?

    Me: There's nothing that you could say that I'd believe at this
        point. Don't take this personally but, if going to the branch and 
        asking the manager to close the accounts doesn't do it, I don't 
        know what would!

    He says: Sorry about that. By the way, How do you want handle this
             $47 negative balance in your checking account.

    Me: HANDLE IT? YOU'VE GOT TO BE KIDDING ME. How do you want to
        handle it?

    He says: Well, I could wave the fees...

    Me: Good Idea, Good Bye.

    I learned some thime ago from an elderly lawyer; Write out a check or
    withdrawal slip with no notation in the $xxx.xx space. In the words
    area write "Balance of account" and present same at the counter. The
    counter WILL HAVE to get either a senior teller or branch person
    involved. Get them to roll to money[s] into cashier/teller chack[s].
    Then take these to your new location. Before they close the checking
    account they will ask if all your checks have cleared and may asked to
    see your next hardcopy check. {Small inconvienceto me.}
    
    BTW-I plan these closures to occur on the day before the pasting of any
    service charges for the month!

> The counter WILL HAVE to get either a senior teller or branch person
> involved. 

    I did! He even wrote out the withdrawal slips.

> Get them to roll to money[s] into cashier/teller chack[s].

    I did! Heck the first time she cut the check for $5 more than it
    should have. I was honest, maybe foolish, enough to point this out
    to her and she cut another check.

>    BTW-I plan these closures to occur on the day before the pasting of any
>    service charges for the month!

    I did! Apparently hours before they posted the service charge.
    The assitant manager should have known this and factored this in.
    He was the one looking at the transaction history on the computer
    screen, trying to sell me an alternate type of account that would
    have reduced some of the fee$.

    What's confusing is, if it was a chashier's check, as I though it
    was, why did it take 4-5 days to clear? Oh, well, they'll figure
    it out. That's why they got assistant managers ;-)

    Anyways, the part of this story that I was trying to relate to
    this thread, is... it might be great that you offer more than one
    way to communicate or perform a transaction, but they should all
    be valid and work. And we, the consumer, should NOT have to
    perform a follow up transaction to confirm what we thought we
    already did.

    Charly