In the eyes of many depositors, keeping their money in a bank is the safest. However, in fact, there are also a very small number of bank employees who take advantage of their positions to secretly transfer large deposits from depositors and then leave the bank. There are many people who are confused about this, and now banks often conduct various training for employees, and this kind of thing should not happen. In fact, the training of employees in banks only improves the business level of employees, but does not mean that the character of employees is fine.
When the depositor finds that his deposit has been transferred by the bank employee, he asks the bank to compensate for it, but if the depositor does not keep the bank card or ID card well, even if the worker transfers the money away, it has little to do with the bank, and the depositor can only admit that he has lost. Now the question arises, how should depositors pay attention to the bank staff transferring the money away? In this regard, we give the following important reminders to understand and prepare early:
First, don't put too much trust in the bank staff
Some depositors trust bank staff very much, which makes it easier for bank employees to transfer depositors' money. For example, Uncle Sun, a citizen, is 76 years old this year. Every time Uncle Sun goes to the bank to handle the deposit business, he always feels that it is very troublesome, so he entrusts a familiar bank staff to handle it on his behalf. When asking the bank staff to handle the business on his behalf, he asked Uncle Sun to provide relevant personal information.
After the staff member learned Uncle Sun's bank account information and password, he suddenly had the idea of stealing money, so he secretly transferred the money from Uncle Sun's account. Fortunately, Uncle Sun opened the bank SMS notification, and immediately found out that his deposit was stolen, so he called the police as soon as possible. The bank staff was arrested. Therefore, when you go to the bank to handle business, do not disclose your personal information and password to the familiar bank staff, so as to prevent the bank staff from stealing deposits secretly.
Second, pay more attention to the signing process
When doing business in a bank, the bank staff will always ask the depositor to sign. Therefore, before signing it, depositors must read the documents carefully and see if the deposit amount is correct. Because, once the depositor has signed, even if there is a dispute afterwards, it is difficult for the bank to compensate because it is signed by the depositor.
For example, Ms. Wang, a depositor, took 300,000 yuan in cash to deposit in the bank, but the bank staff only made a deposit receipt of 30,000 yuan. And Ms. Wang signed without even looking at it. Since Ms. Wang had deposited a 3-year certificate of deposit, it was only 3 years later that she finally discovered that the certificate of deposit was incorrect. At that time, the bank will take out the stub of the document signed by Ms. Wang. The parties can only admit that they are unlucky.
Third, be secure when entering your password
When a depositor deposits money into the bank, the bank staff will ask the depositor to enter a password. In this way, even if the depositor's certificate of deposit is lost, it will be useless even if someone finds it in the case of a password. However, depositors must be cautious when entering the password, not only to see if there is anyone around, but also to cover the keyboard with their hands when entering the password to avoid being seen by the bank staff. Because, as long as you know your account number and password, the bank staff can also transfer all the money in your account through the bank's mobile APP.
Fourth, don't keep all your money in one bank
Nowadays, many depositors are greedy for high interest rates, so they deposit all their money in small and medium-sized banks. In fact, you should spread your money in several banks, in addition to diversifying the risk of deposits, that is, scattering money in several banks, then the bank staff will not know your assets well, and it is unlikely to use bad brains. And if the depositor keeps all the money in a bank, and the staff knows the depositor's deposit situation well, it is very likely to take various means to transfer the money away and take possession of it.
In real life, there are more and more cases of depositors' deposits being siphoned off by bank employees. Moreover, in many cases, depositors have been unable to obtain compensation from the bank due to some previous wrongdoing, while the bank staff has been able to get away with it. Through the above 4 reminders, you can understand how to prevent being transferred away by bank employees, so that the safety of depositors' deposits is guaranteed.