When you go to the bank to withdraw a large amount, the staff will often ask you what you are withdrawing for. Although we can understand this disgust, it is necessary to cooperate with the bank's request in order to withdraw money smoothly without delaying their own time.
In fact, when the bank asks about the purpose of withdrawal, it is not out of prying eyes for personal privacy, but for two reasons.
First of all, the bank needs to ensure the legality of the flow of money, that is, to ensure that you use the money in a way that complies with the law and does not engage in illegal activities.
Secondly, by understanding the purpose, banks can detect some potential risks in time and protect the safety of depositors' funds.
For example, there was an old man who went to the bank to withdraw a large amount of money, which attracted the attention of the staff. When asked about the purpose of withdrawal, the old man was hesitant and could not give a clear answer. Later, after investigation, it was found that the old man was suffering from telecom fraud, and the scammer asked him to withdraw the money and transfer it to other banks. Fortunately, the staff detected and stopped this behavior in time, protecting the old man's pension money.
Now we understand the purpose of the bank inquiry, but there are still many people who are resistant to it. So, in the face of the bank's inquiry, how can you give a smart answer, which can cooperate with the bank's work without feeling uncomfortable? The key is how to answer, and I will share with you a few appropriate ways to answer.
First of all, be honest in your answers, and never lie or cause misunderstandings. It's not just about avoiding unnecessary trouble, it's about taking responsibility for yourself. It is important to note that if a staff member asks about an issue involving personal privacy, it is polite to remind the other person.
First, it is possible to answer about daily living expenses, which is a very common answer. For example, pay utility bills, rent, medicine, etc., and answer reasonably and not exaggerate. If you withdraw tens of thousands of dollars and claim to buy a mobile phone, which is obviously unreasonable, the bank may doubt whether the purpose of your withdrawal is legitimate, and investigate further, causing trouble for yourself.
Second, it can be medical expenses or travel expenses. If possible, you can provide the bank with relevant supporting documents, such as hospital receipts or hotel reservations, which can usually be processed smoothly. If you just want to withdraw cash for backup, you can also explain it directly. Such an answer is simple and straightforward, and does not involve much privacy.
When answering, you need to be careful to keep your emotions stable and not get too excited. Whether you want to answer or not, it's a workflow for banks, and they aren't interested in privacy. Blindly resisting will only delay your own time. Don't panic too much when answering, you should be open-minded, and as long as the purpose is legitimate, the bank will not continue to ask.