Not using an ATM for deposits is not entirely illogical. In very
early ATM days, I made the mistake of depositing cash and was later
told that I'd deposited an empty envelope. In that case, there was
really no recourse for me; it was strictly an I said/They said issue.
Many years later, I deposited a check and was once again told that
the envelope had been empty. In that case, I managed to track down
what had happened, but it took a very long time to straighten out and
in the meantime I didn't have the money.
Banks in general are becoming less and less service oriented, combine
that with the apparent disappearance of the deposit when you use the
ATM and the customer can feel very vulnerable and unsettled --
whether consciously or not.
At least when you make a deposit with a teller you have a transaction
with an identifiable human being and you wind up with a piece of
paper that tells you a sum of money was acknowledged as received and
deposited. It feels less conditional and tenuous than ATM deposits
often do.
In the case of direct deposits, I suspect that there's less sense of
a physical object that can be lost or misappropriated, so I wouldn't
expect that to be comparable.
Katie
--
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Katie Albers
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