rapom Posted June 26, 2017 Share Posted June 26, 2017 1 hour ago, balo said: SMS service is free at Kasikorn . Yours may be free. I opened a Kasikorn account 2 years ago to get their atm card as a back-up to my BB account. 12 months later, I made another deposit and had the passbook updated. When I examine the transactions, there were 2 deductions for 199 baht each. When I inquired what they were for, I was told the annual sms fee. My question to the teller was "why I am being charged an sms fee, when I have no phone number on file with the bank"? I got the "I do not know". I had to go to the atm outside the bank and dis-enroll from sms messaging to get the latest fee charge reversed. Kasikorn's website shows the sms fee is 20 baht a month or 199 baht a year. Link to comment Share on other sites More sharing options...
fruitman Posted June 26, 2017 Share Posted June 26, 2017 One day i changed a pack of singaporean $ at swampy airport, it was at one of the big bank booths. When i counted my money it was missing one billiet of 1000 baht so i told the clerk that one thousand baht was missing. Without counting it again he put the missing 1000 on the counter and with a sheepish smile he said solly sir. Link to comment Share on other sites More sharing options...
gk10002000 Posted June 26, 2017 Share Posted June 26, 2017 15 hours ago, thaifan01 said: Nothing is wrong with this story, as u can see on the receipt in the article above, the teller gave a receipt of a deposit of 40,000 - not 80,000. So the employee from the pet shop should have noticed this at the beginning of course. But obviously he was stressed or his brain didnt work well that day - who knows... Moral of the story? ALWAYS CHECK YOUR RECEIPT - EVEN WHEN YOU ARE IN THAILAND Yes, checking immediately would have been better, but I am pretty sure if there was some bad stuff going on, she would have already "hidden" the money and it would be her word against his. Without putting the cash on the barrel as they say, along with the deposit and receipt slip, there is no way a discrepancy would be smoothly handled. At Wells Fargo in the USA, the branches do NOT have deposit slips. So all you can do is put the cash on the teller window, and wait for the receipt. If the receipt is wrong, well, possession is 9/10ths as they say. I was very uncomfortable with the way Wells Fargo does business now, but just thought I would mention it. I guess very slowly flash and separate the cash being deposited in case the CCTVs are good enough to record the images. Many are not, which is ridiculous. They should go to any decent casino and use those cameras that really can and do read and record the cards in play o the table. Link to comment Share on other sites More sharing options...
peergin Posted June 26, 2017 Share Posted June 26, 2017 There was also this long-time female staffer of the same bank who disappeared with something like B 3,000,000,000 just a few years ago. Seems she disappeared off the face of the earth. Never been found. Link to comment Share on other sites More sharing options...
scorecard Posted June 26, 2017 Share Posted June 26, 2017 (edited) 7 hours ago, Happyman58 said: Prob in partnership with her Manger showed her all the tricks Historically bank managers and to some lesser extent bank tellers were seen as high flyers and as hi-so. - Many years back my Thai adult son and myself took my sons nephew (late teens) to one of the mainstream banks to open a savings account. He didn't want to go inside the building. Why? Because he was frightened they would reject opening an account because he didn't have a degree. In those days it was common to see this attitude / fear. - Many years back I was a regional organizational consultant to a major oil company in the process of building a new giant plant at Map Ta Phut. There were hundreds of foreign construction workers on the site. The contractor got them savings accounts with one of the mainstream banks and they all had an ATM card. They didn't want to use the ATM cards because of the fee and they had no idea how to use the ATM machine and they were frightened they would make a mistake and lose their money. So at lunch time dozens of them tried to line up at the actual branch at the ATM in the blazing sun at Map Ta Phut to do an over the counter withdrawal. The bank manager came out of the bank regularly and went along the line and asked each person in the line if they were Thai. If they were Thai a second bank employee would take them inside the actual bank office. If not Thai they were told to leave the queue and told to go to the ATM. There was a junior employee of the bank stationed at the ATM machine (same branch). The construction workers were all forced to pay 100Baht cash fee to the junior bank boy for his help (less than 10 seconds) to make a withdrawal. This had been organized by the bank manager. My own boss (American guy always concerned about welfare, safety etc., of all employees / workers on site) heard about this. He went to the bank and stood in the line to see what was happening. He called a meeting of his own HR manager, and a senior person from the contractor. He made it very plain he was angry, he considered this situation was totally unacceptable and lacking in any respect for the workers as human beings. The meeting agreed that they would ask the bank manager to come and talk with them. This happened but the meeting lasted about 10 minutes because the arrogant bank manager refused to make any changes to the current arrangement. My boss then told this own HR manager and the contractor to change the bank and get a bank employee stationed at a small desk inside the company office and make all the workers feel comfortable to come inside and do an over the counter withdrawal and have an ATM placed on site with a an employee of the main company or the construction company stationed at the ATM machine 24 hours to help the workers make withdrawals, and also to run quick classes to teach them how to use the ATM. In total well over 1,500 accounts. The new bank readily agreed to provide the on site over the counter service and place the ATM machine on site. Our own manager also ordered that drinks & snacks be available free for anybody coming into our building (water, Pepsi, etc and small snacks) , and chairs, for anybody coming into the building to make over the counter withdrawals, also free drinks and snacks at the ATM machine just outside the door. Original bank lost over 1,500 accounts. The Thai newspapers heard about this, a couple of them arrived asking to interview our manager, he refused to speak to them and issued an order that none of his employees speak to the reporters. Edited June 26, 2017 by scorecard Link to comment Share on other sites More sharing options...
observer90210 Posted June 26, 2017 Share Posted June 26, 2017 And what if somebody wanted to get rid of the bank teller, for some obscure reason? Link to comment Share on other sites More sharing options...
Happyman58 Posted June 26, 2017 Share Posted June 26, 2017 1 hour ago, scorecard said: Historically bank managers and to some lesser extent bank tellers were seen as high flyers and as hi-so. - Many years back my Thai adult son and myself took my sons nephew (late teens) to one of the mainstream banks to open a savings account. He didn't want to go inside the building. Why? Because he was frightened they would reject opening an account because he didn't have a degree. In those days it was common to see this attitude / fear. - Many years back I was a regional organizational consultant to a major oil company in the process of building a new giant plant at Map Ta Phut. There were hundreds of foreign construction workers on the site. The contractor got them savings accounts with one of the mainstream banks and they all had an ATM card. They didn't want to use the ATM cards because of the fee and they had no idea how to use the ATM machine and they were frightened they would make a mistake and lose their money. So at lunch time dozens of them tried to line up at the actual branch at the ATM in the blazing sun at Map Ta Phut to do an over the counter withdrawal. The bank manager came out of the bank regularly and went along the line and asked each person in the line if they were Thai. If they were Thai a second bank employee would take them inside the actual bank office. If not Thai they were told to leave the queue and told to go to the ATM. There was a junior employee of the bank stationed at the ATM machine (same branch). The construction workers were all forced to pay 100Baht cash fee to the junior bank boy for his help (less than 10 seconds) to make a withdrawal. This had been organized by the bank manager. My own boss (American guy always concerned about welfare, safety etc., of all employees / workers on site) heard about this. He went to the bank and stood in the line to see what was happening. He called a meeting of his own HR manager, and a senior person from the contractor. He made it very plain he was angry, he considered this situation was totally unacceptable and lacking in any respect for the workers as human beings. The meeting agreed that they would ask the bank manager to come and talk with them. This happened but the meeting lasted about 10 minutes because the arrogant bank manager refused to make any changes to the current arrangement. My boss then told this own HR manager and the contractor to change the bank and get a bank employee stationed at a small desk inside the company office and make all the workers feel comfortable to come inside and do an over the counter withdrawal and have an ATM placed on site with a an employee of the main company or the construction company stationed at the ATM machine 24 hours to help the workers make withdrawals, and also to run quick classes to teach them how to use the ATM. In total well over 1,500 accounts. The new bank readily agreed to provide the on site over the counter service and place the ATM machine on site. Our own manager also ordered that drinks & snacks be available free for anybody coming into our building (water, Pepsi, etc and small snacks) , and chairs, for anybody coming into the building to make over the counter withdrawals, also free drinks and snacks at the ATM machine just outside the door. Original bank lost over 1,500 accounts. The Thai newspapers heard about this, a couple of them arrived asking to interview our manager, he refused to speak to them and issued an order that none of his employees speak to the reporters. It just never stops does it? Guess they got good teachers The government Link to comment Share on other sites More sharing options...
scorecard Posted June 26, 2017 Share Posted June 26, 2017 14 minutes ago, Happyman58 said: It just never stops does it? Guess they got good teachers The government 'The government' My post was about the banking industry many years ago. But there is a case to say for decades there have been little to zero to highly negative role models in government. Link to comment Share on other sites More sharing options...
scorecard Posted June 26, 2017 Share Posted June 26, 2017 1 hour ago, observer90210 said: And what if somebody wanted to get rid of the bank teller, for some obscure reason? Which bank teller are you referring to? Link to comment Share on other sites More sharing options...
gk10002000 Posted June 26, 2017 Share Posted June 26, 2017 knowing the general addiction to media, iphones, music, chatting, etc. I doubt most girls like the glamorous bank teller job. It seems boring and then punctuated by periods of transactions where all you can do is make a mistake, or be frustrated watching lots of money pass through your hands Link to comment Share on other sites More sharing options...
Happyman58 Posted June 26, 2017 Share Posted June 26, 2017 29 minutes ago, scorecard said: 'The government' My post was about the banking industry many years ago. But there is a case to say for decades there have been little to zero to highly negative role models in government. Old saying u look to your leaders as role models and anything they can do you try to do better This appears to be the case here Link to comment Share on other sites More sharing options...
Rob13 Posted June 27, 2017 Share Posted June 27, 2017 12 hours ago, gk10002000 said: speaking of cash deposits, here in the USA at Wells Fargo, if you go inside a branch there is NOT a paper slip to use. You count out the money, give it to the teller and she comes back with xxxx amount. What if her initial tally differs from what you thought or actually for sure did present? Sure you get a deposit receipt, but the amounts may already have been messed up. There must be a camera watching her. I doubt a US bank would leave themselves vulnerble to human error like that. Link to comment Share on other sites More sharing options...
scorecard Posted June 27, 2017 Share Posted June 27, 2017 (edited) 3 hours ago, gk10002000 said: knowing the general addiction to media, iphones, music, chatting, etc. I doubt most girls like the glamorous bank teller job. It seems boring and then punctuated by periods of transactions where all you can do is make a mistake, or be frustrated watching lots of money pass through your hands There's also simple laziness. Son went into bank to pay a bill (24,xxxBaht) using a card issued by company. The card says the payment can be paid at any bank. Teller instantly said 'mai dai' (cannot). Son searched in his bag and quickly found a receipt from same bank, same branch issued 30 days earlier. Teller continued to say, with annoyance 'mai dai'. Manager noticed the situation and came to ask about the problem. Son showed the card and previous receipt. Manager commented 'my staff are so busy today and very tired' (in reality it's a very slow branch). Manager took the card and the cash and gave it to another teller who quickly and politely processed the payment and apologized for the inconvenience. By this stage the manager had disappeared. Errant teller busying herself with her make up. Edited June 27, 2017 by scorecard Link to comment Share on other sites More sharing options...
stereolab Posted June 27, 2017 Share Posted June 27, 2017 17 hours ago, koo said: I have operated with bank tellers in Thailand, and somehow a very simple transaction requires a lot of hassle and paperwork. I have watched the tellers work "slow" and very precisely to get things done - even to the point that I've wondered how pedant and at the same time daft does one have to be to work in a bank in Thailand. Now, reading the above, I am VERY PLEASED to note that it was to my benefit to be able to carefully watch every single step of the operation, and have exactly the agreed amounts on my account, the passbook and cash. As an ex bank cashier and as a Military Cashier I am astonished by the way some bank tellers work here. Desks are full of paper, money is being passed between cashiers, people are talking to each other, it is shambolic, I always worked with a totally clean desk, and never carried personal money into my cage or office. I paid a large amount of cash in last week, it took almost 20 minutes for it to be fully processed. It should take only 5 minutes. The bank manager oversaw the transaction. I had my passbook updated at the counter, checked it and left. Strangely this branch does not use the security counters, but transactions are completed in the open office. Link to comment Share on other sites More sharing options...
Happyman58 Posted June 27, 2017 Share Posted June 27, 2017 25 minutes ago, scorecard said: There's also simple laziness. Son went into bank to pay a bill (24,xxxBaht) using a card issued by company. The card says the payment can be paid at any bank. Teller instantly said 'mai dai' (cannot). Son searched in his bag and quickly found a receipt from same bank, same branch issued 30 days earlier. Teller continued to say, with annoyance 'mai dai'. Manager noticed the situation and came to ask about the problem. Son showed the card and previous receipt. Manager commented 'my staff are so busy today and very tired' (in reality it's a very slow branch). Manager took the card and the cash and gave it to another teller who quickly and politely processed the payment and apologized for the inconvenience. By this stage the manager had disappeared. Errant teller busying herself with her make up. Truth is most Thais hate work so they dont work Link to comment Share on other sites More sharing options...
scorecard Posted June 27, 2017 Share Posted June 27, 2017 8 hours ago, rapom said: Yours may be free. I opened a Kasikorn account 2 years ago to get their atm card as a back-up to my BB account. 12 months later, I made another deposit and had the passbook updated. When I examine the transactions, there were 2 deductions for 199 baht each. When I inquired what they were for, I was told the annual sms fee. My question to the teller was "why I am being charged an sms fee, when I have no phone number on file with the bank"? I got the "I do not know". I had to go to the atm outside the bank and dis-enroll from sms messaging to get the latest fee charge reversed. Kasikorn's website shows the sms fee is 20 baht a month or 199 baht a year. I also pay 199 a year to K bank bank for SMS service. Link to comment Share on other sites More sharing options...
halloween Posted June 27, 2017 Share Posted June 27, 2017 11 minutes ago, Happyman58 said: Truth is most Thais hate work so they dont work After a few years in a boring repetitive job, it gets hard to raise enthusiasm, here or anywhere else. Especially when they are about to replace you with a machine. Link to comment Share on other sites More sharing options...
Happyman58 Posted June 27, 2017 Share Posted June 27, 2017 1 minute ago, halloween said: After a few years in a boring repetitive job, it gets hard to raise enthusiasm, here or anywhere else. Especially when they are about to replace you with a machine. 2 minutes ago, halloween said: After a few years in a boring repetitive job, it gets hard to raise enthusiasm, here or anywhere else. Especially when they are about to replace you with a machine. Yep Link to comment Share on other sites More sharing options...
scorecard Posted June 27, 2017 Share Posted June 27, 2017 1 hour ago, Happyman58 said: Yep How true, world wide, which is why some employers ensure there is some form of job rotation. On the other hand there are plenty of employees, all countries, who fear change and fear responsibility and ensure they do a good job so no chance of confrontation. On the other hand, some employers give pay rises according to individual performance, and sometimes combined with strong encouragement to improve and innovate, and where a suggestion is successfully implemented the employee gets a bigger pay rise and perhaps if it saves big money an additional bonus. In Thailand there are now quite a few high performing companies who have very successfully implemented 'pay for performance' and reaped the benefits for the company and the staff, and also upgraded their leadership behaviors to ensure staff feel totally comfortable to approach the boss etc. I'm not aware of any Thai bank anywhere near the above scenario. Link to comment Share on other sites More sharing options...
balo Posted June 27, 2017 Share Posted June 27, 2017 14 hours ago, rapom said: Yours may be free. I opened a Kasikorn account 2 years ago to get their atm card as a back-up to my BB account. If you ask for a normal savings account it's free. Maybe they gave you a deposit account. They also try to sell you insurances you don't need. Link to comment Share on other sites More sharing options...
gk10002000 Posted June 27, 2017 Share Posted June 27, 2017 8 hours ago, scorecard said: There's also simple laziness. Son went into bank to pay a bill (24,xxxBaht) using a card issued by company. The card says the payment can be paid at any bank. Teller instantly said 'mai dai' (cannot). Son searched in his bag and quickly found a receipt from same bank, same branch issued 30 days earlier. Teller continued to say, with annoyance 'mai dai'. Manager noticed the situation and came to ask about the problem. Son showed the card and previous receipt. Manager commented 'my staff are so busy today and very tired' (in reality it's a very slow branch). Manager took the card and the cash and gave it to another teller who quickly and politely processed the payment and apologized for the inconvenience. By this stage the manager had disappeared. Errant teller busying herself with her make up. and girl probably has the job because she does favors, or was given the job because the manager owed somebody else a favor. Link to comment Share on other sites More sharing options...
scorecard Posted June 27, 2017 Share Posted June 27, 2017 32 minutes ago, gk10002000 said: and girl probably has the job because she does favors, or was given the job because the manager owed somebody else a favor. Or paid a 'fee' to get the job. Quite common. Link to comment Share on other sites More sharing options...
SiamBeast Posted June 27, 2017 Share Posted June 27, 2017 There's no pity to have for people who hate their jobs. The teller is not in prison - she has the right to leave if she does not like the job anymore. No excuse for working a job you hate. Not enough education? Go to school. No money for school? Borrow, you'll make it back (STEM majors only). No time to go to school? Just make time. Nobody to take care of your kids while you study? Hire a babysitter, ask family. There's no excuse. Just do it. Link to comment Share on other sites More sharing options...
brianj1964 Posted June 27, 2017 Share Posted June 27, 2017 where is the cctv footage of the transaction? Its a picture with something circled, but very unclear what its attempting to show, and who wrote 80,000 in pen Link to comment Share on other sites More sharing options...
rapom Posted June 27, 2017 Share Posted June 27, 2017 7 hours ago, balo said: If you ask for a normal savings account it's free. Maybe they gave you a deposit account. They also try to sell you insurances you don't need. Kasikorn lists no free sms services on their website. The sms service fee is 20 baht a month or 199 baht annually. My account is a savings account with atm withdrawals. I pay no fee because I do not subscribe to the service. Also, they did not try to sell me any insurance. Link to comment Share on other sites More sharing options...
balo Posted June 27, 2017 Share Posted June 27, 2017 17 minutes ago, rapom said: Kasikorn lists no free sms services on their website. They do not charge me , but my first account was opened in 2011 , maybe something new they started with . Link to comment Share on other sites More sharing options...
gk10002000 Posted June 27, 2017 Share Posted June 27, 2017 2 hours ago, brianj1964 said: where is the cctv footage of the transaction? Its a picture with something circled, but very unclear what its attempting to show, and who wrote 80,000 in pen Yeah, it pretty much looks like most of the UFO photos, Abominable Snowman photos, etc. Decent CCTVs are not that expensive. Casinos have thousands of them and they really can see the cards from the ceilings. Link to comment Share on other sites More sharing options...
scorecard Posted July 2, 2017 Share Posted July 2, 2017 On 6/26/2017 at 2:09 PM, chrisinth said: Thanks for pointing that out, I truthfully scanned right past that thinking it was an image from the CCTV. My bad. All good, but keep in mind that unaware shop employees often take a bag to the bank with money and a basic deposit document, or just a scrap of paper with an amount scribbled on it. It's very possible that the shop employee has no knowledge of banking and what documents / what process should be followed and feels very out of place to query anything or ask any questions. (In the North it's common enough for bank staff / shop staff to speak strongly / speak down to hill tribe people who feel intimidated and just accept the situation.) Many bank employees would be well aware of the above making it all the easier to try some type of scam. Link to comment Share on other sites More sharing options...
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