We woke up this morning expecting a paycheck. We got two checks instead. We deposited them in the bank through our mobile banking app. Yay for living in the future.
Unfortunately, that also means that untoward things can happen through technology too.
It was only after we deposited the two checks that we discovered that two-thirds of the money we just deposited was eaten up by two pending transactions that neither of us made.
A frantic and frustrated call to our bank produced nothing more than “the department you need to speak with isn’t open until Monday, your best bet will be to go into a branch and talk to them there.”
Obviously we plan to do this, but this is the third time in 18 months that our account security has been compromised – twice through debit card transactions and this most recent time through what appear to be online checks, meaning someone has both our routing number and account number. The only way we’ll be safe is if we start a new set of accounts with the bank and get new cards accessing the new accounts. This means that we’ll need to change direct deposit information for both of us, as well as change the account information for those accounts that we are automatically debited for goods and services. It’s going to be a big hassle that’s going to take us weeks to get back to normal.
I am really not looking forward to this.