Is it necessary to check money manually after withdrawing money from the bank window? Why?

Normally, you don't need to count it yourself, but for absolute safety, I think it is necessary for you to count it again, but this is not absolute.

Some people want to check because the bank is not responsible for leaving the counter.

You are not responsible for leaving the counter. This has always been a point that banks have been criticized. If the user thinks that the bank didn't count it in person, and there is counterfeit money or less money after withdrawing money, then I'm sorry, all the responsibilities are your own and have nothing to do with the bank.

If you encounter counterfeit money or lack of money, go to the bank to report the situation or complain. Maybe banks will think that you are blackmailing them, because many banks are quite confident in their services and think that their services are in place and there will be no mistakes. Customers themselves should make mistakes.

Banks are so overbearing, and many times users have no choice but to eat dumb losses.

Therefore, when you withdraw money, you are not afraid of 10 thousand, just in case. Although it is unlikely that the bank will be short of fake money, if one day your bad luck falls on you, maybe your money will really be problematic.

Therefore, for the sake of safety, when withdrawing money, especially when withdrawing money in large amounts, you must check it yourself. When checking, you must check it in the place where the bank has a camera to ensure that the money is out of the bank.

Of course, in some big banks and some formal outlets, it is not necessary to count the banks themselves when withdrawing money. Banks today are different from those ten years ago and decades ago. More than a decade ago, there were few domestic banks, and the banks were in an absolute strong position, so they could make some rules that they were not responsible for leaving the cabinet at will. No matter how bad the banking service is, people's impression of the bank will be worse, because you have no choice, so you have to go back and forth to his bank.

But now the banking environment is different. At present, there are more than 4,000 banks and hundreds of thousands of bank outlets in China, so the competition among banks is much fiercer than before, especially for deposits. If the service is not good, many customers will not go to this bank because it is irresponsible to leave the counter. Why are they angry?

Another point is that the current network information is much more developed than before. Everyone is from the media, and the bank has some negative effects, which will soon spread on the Internet. Once it spreads, it will definitely be a fatal blow to banks. For example, if a customer gets fake money or less money at the bank, the bank says it is not his responsibility. It is estimated that many netizens will resent this bank, and I believe many people will not choose this bank in the future.

Therefore, in the face of the cruel competitive environment, the service attitude of banks has changed greatly. At present, in some big banks and some formal outlets, including Ping An Bank, there is basically no such warning sign that you are not responsible for leaving the cabinet.

Moreover, the bank's service process and technology can also avoid the situation of less counterfeit banknotes to a great extent, because when people withdraw money, the bank staff must count it at least twice before giving the money to everyone.

Moreover, all the money counters used in banks are Class A money counters, and the accuracy of Class A money counters is very high, basically reaching over 99.99%. Whether it is to identify counterfeit money or count money, counterfeit money or short money rarely occurs.

And even if there is counterfeit money or less money, everyone need not worry too much. There are three main guarantees.

First, whether it is true or false, the money counter will record the number and upload the counting record to the system for storage. If the user gets the counterfeit money, he can check it by comparing the number with the banking system.

Second, bank staff will tie up their accounts after work every day. Generally, it takes two or three staff members to confirm the accounts several times before they can get off work. If it doesn't match, you will definitely find a problem.

Third, the bank has a perfect monitoring system, and there is no dead angle monitoring in 360 degrees, so every move of the customer in the process of withdrawing money, including every step of the bank staff, will be monitored clearly. If the customer gets counterfeit money or less money, the information can be verified by collecting and monitoring.

It is necessary to recount the money, but not necessarily by hand. Careful customers will find that a cash counter is placed outside the bank counter as required for customers to count cash. You can count it yourself. Otherwise, there will be a shortage of funds or long money on the bank counter, and there will also be counterfeit money.

When withdrawing money at the bank counter, the teller will ask the customer's opinion and ask whether the customer wants to spend the money again. If the teller behind is monitored and counted by the money counter, the customer's eyes never leave the whole process of counting money, and they also see the amount of all the money counted. If the accounts match, there is no need to count the cash.

The bank teller didn't ask the customer for advice, nor did he count the withdrawal cash for the customer, but handed it out directly, and the customer needed to count it himself. In particular, it is better to use the cash counter outside the bank counter to count large amounts of cash above100000 yuan, which saves time and effort. In addition, if the customer has counterfeit money in his own cash, it may not be found. Count it twice with a money counter, whether it is long or short or counterfeit, and it will be detected at once.

From the customer's point of view, counting the cash withdrawal amount is only for the rule of "not responsible for going out". If the customer doesn't count himself, if he goes out for a long time and finds that there is less, he will come back to the bank and the bank denies that there is no problem. How to solve it? In order to reduce the friction between the two sides and make up for the teller's mistake rate, it is really necessary for the customer to check it in person.

In real life, counting money in the lobby after the bank withdraws money will make customers feel a little embarrassed and afraid that bank tellers will be bored, but counting money on the spot is better than going home to find short money! There is also that it is not safe to count a lot of cash in public places. You can go to big rooms, VIP rooms and other places with few customers, and be careful not to worry about others thinking about their cash.

I might as well order it. Although the probability of making a mistake is less than one in ten thousand. But I was wrong. Is to lose yourself. My bank has withdrawn money n times. At work, I walked with the financial staff 2 13 times a month and made two mistakes. A few years ago, there was a time when the bank took money to pay wages, and the big room was only a few hundred dollars. After returning to 50 yuan, there were 10 in 20 yuan. I called the bank staff to explain the situation. The bank may have moved the charges. The next day, let's take the one from 20 yuan and give us a new 100 from 20 yuan. In addition, at the end of last year, I went to the bank and took 20,000 yuan, and at the beginning of this year, I took another 50,000 yuan for real estate. As long as the bank card has been used, I have never used it. Later, I went to the bank and deposited 50,000, only 499 and 49,000. I still had a 100-yuan coin with me at that time, so I took it out and counted it. Or 100. 1 0,000 yuan. The staff asked me if I had used it myself. I know in my heart that I haven't touched the money. But I also blamed myself for not counting myself when I got the money, so I had to admit it myself. Saved 50 thousand and took 9900 back. I've only seen it twice in years. No, everything else is right. Therefore, it is better to count if you can, otherwise it is really a mistake and you have lost yourself.

"Not responsible for leaving the cabinet cover". This is a rule set by the bank and recognized by the court.

So after withdrawing money from the bank window, you must check it manually. Even if banks have monitoring now, monitoring is for banks to see. If you raise more money, the bank's monitoring will definitely find out. If you take money home and find it is less than the amount you should take, the bank's monitoring will not find it.

Be sure to check in person before coming out, that is, don't trouble yourself or the bank.

Share a real case:

This is a case I saw a long time ago. Although it was a long time ago, it had a far-reaching impact on me, which made me be particularly careful when accessing the bank.

This case happened in a relatively remote county-level credit cooperative, and now it should all be transformed into rural commercial banks, just like the contractor banks that are now asking for bankruptcy are all transformed from credit cooperatives.

This case also happened at the counter. At that time, monitoring and computers were not popular, and smaller bank stores were operated by hand.

Xiaoli (pseudonym), a counter clerk, graduated from college and worked in a bank for many years. She is a qualified employee and seldom makes mistakes.

The first time there was an argument, Pandora's box was opened.

A farmer uncle who came to save money, after ordering some money at home, wrapped it in a newspaper and came to Xiaoli's window to save money. Because it has been counted many times at home, the farmer's uncle came to the bank without counting the money himself, but opened the newspaper and gave the money directly to Xiaoli. Xiaoli tidied up the money, piled it neatly on the table and put it in the money counter. However, after the money counter finally reported the figures, the amount to be deposited with the farmer's uncle was not less than 200. Xiaoli counted it again, but the figure with the farmer's uncle was still less than 200. Then return the money to the farmer's uncle, and the amount of money is the same as Xiaoli.

Although 200 yuan is not a big sum now, it was already half a month's salary for the poor twenty years ago. The farmer's uncle made trouble at that time. As a result, it is conceivable that Xiaoli, who was in tears, won, and the farmer's uncle was also persuaded by the police station to let him go home to find it. Tell him the bank can't make mistakes.

Xiaoli is in a bad mood today because of a dispute. After all her colleagues left, she began to pack up and get ready for work. When she opened the drawer, she found 200 dollars in it. She was a little confused at that time, and then she took a closer look and found a gap on the table. When she was collecting money, the money fell into the drawer along the gap.

She stood up at once and wanted to give the money to the leader. But when I remembered something that happened this morning, everyone stood by her and accused the farmer's uncle of extorting money from the bank. If she hands over the money now, it must be her own fault. After a complicated psychological struggle, Xiaoli put the money in her pocket.

Xiaoli was still very nervous in the first few days, afraid that the farmer's uncle would come to see her again, but after a few days she calmed down. Seeing that she was unhappy, colleagues and leaders came to comfort her. After thinking for a long time, Xiaoli decided to seize this loophole. As long as she doesn't count the depositors in front of the counter when saving money, she will block the money along the gap.

A week later, the same thing happened again, but the parties just looked puzzled and dared not make trouble in the bank. Xiaoli puts the money that the depositor has no money in the drawer and puts the money that falls into the drawer in her pocket.

Birds die for food, and people die for money. Greed is human nature.

Because money is easy to come by, Xiaoli's appetite is growing, and the chances of making mistakes are becoming more and more frequent. But not everyone will admit that they are unlucky enough to leave the bank, and some people will make trouble in the bank.

After a long time, bank leaders and colleagues also felt that it was wrong. Xiaoli's living expenses did not match her salary, and she began to suspect that she had problems. Even began to send someone to secretly observe how she stole the money, but after a few days, nothing was found. Later, a careful employee asked: "I feel Xiaoli, the strength and posture of money are a bit strange." A word awakened the dreamer, and everyone immediately realized what the problem was. It's been a year since Xiaoli made her first mistake, and the amount is amazing.

The bank decided to report the case, take out the cash and let people pretend to be customers to deposit money at Xiaoli's place. I also reported the amount to be deposited directly in a newspaper, without going to the counter to count it again. There is no shortage for the first time, and there is 300 for the second time. When Xiaoli was still smug, the bank leader and the police had stood in front of her desk, opened the drawer and took out the 300 yuan she had piled in the drawer. People were taken away on the spot.

Xiao Li is waiting for severe punishment by the law, but there is not much money left for her to steal. Even if part of it can be recovered, it is impossible to identify whose money she stole and how much. In order to reduce the trouble, the bank also concealed this matter, and the depositors can only admit that they are unlucky.

From now on, I have to count it again by hand, which is too necessary.

Let me talk about my personal experience.

Half a year ago, my husband went to the bank to pay his salary, took it from the ATM, and took it home without ordering. At that time, I saw that the salary on my husband's salary card was 3800, and the withdrawal amount record was 4800 (enterprise retired employees). I counted it as 3800, which was very strange. I took 3800. Why should I put 4800 on the card? I didn't get 1000 either? If I really ask the 4800 bank to find me, I will pay it back, but your record of finding me is wrong. I have to post 1000. So, the next morning, I asked my husband to go to the bank to inquire and explain, hoping that they would correct the "wrong number".

The supervisor of the bank retrieved the surveillance video, and the number on the ATM was 4800. I am really speechless. If it is really 4800, what do I need you to do? When you come to me.

Later, the director of the bank saw the "problem", that is, there was a balance of 963. 16 on my husband's salary card last month, and it was indeed 4800 when it was transferred to this month, but this problem was not found. I feel even more wrong when she says so. The machine is right, that is, "My husband is wrong"? But with decades of understanding of his character, I would rather trust my husband. Finally, the bank asked me to call the police, but I didn't. Forget it, just make a mistake! This is a lesson!

This matter is no big deal. There has never been a similar problem for many years. I especially believe in ATM machines, but I really can't believe it through this thing. Therefore, no matter how much money I withdraw in the future, I will ask my husband to count it again, so that I can walk out of the bank door and "call it quits". Otherwise, it's really annoying that they won't admit it.

If the quantity is relatively large, it is recommended to do it by hand, for the simple reason that you are responsible for yourself. Although the bank is very strict about cash receipt and payment, there are also mistakes. When the amount is large, it should be checked again to avoid unnecessary disputes.

At present, the cash area of the bank has high-definition cameras and recording equipment. Although there will be no phenomenon of "leaving the cabinet without responsibility", when receiving and paying cash, the requirement of "singing and paying" is actually to avoid mistakes and facilitate verification. However, due to the repeated mechanical operation of the teller, the labor intensity is very high, and there will be overpayment or underpayment.

In real work, the length of teller's money does not exist, and it happens from time to time, especially for some new tellers, which is almost a compulsory course. Although there are duplicate counting of money counter and teller, the accuracy of 100% cannot be guaranteed. Although the possibility of making mistakes is very small, there is still a possibility that if customers can count them by hand again, the error rate will be reduced and their property losses or disputes will be avoided.

Of course, it is not necessary if there is less money, but it is necessary to withdraw or deposit more money.

The so-called "brother, settle the account clearly." I always check when handing over funds to others, let alone to the bank, so I think it is necessary!

Now most of them are transfers, and it is almost impossible to get large cash withdrawals at the counter. Cash withdrawal is generally operated at ATM. Even so, I usually check it and print the receipt.

Because at present, the machine failure rate is not low, and ATM maintenance is often encountered. Since the bank stipulates that leaving the counter is not responsible, as law-abiding citizens, we naturally had better make things clear in front of the counter.

Therefore, when I withdraw money through ATM, I always check it against the camera and put it in my wallet after I get the cash, but I have never made a mistake so far, haha.

I haven't gone to the counter to withdraw cash for a long time. When I used to withdraw cash at the counter, the bank teller always asked me if I wanted to order it. I always say yes, and then she opens the note tied with money and goes through it in the money counter. As long as the money counter shows correctly, I won't count it by hand.

Therefore, in order to avoid unnecessary troubles, it is best to count the cash in person when you take it at ordinary times. A small amount of money will be counted manually, and a large amount of money will pass through the money counting equipment.

In daily work and life, we should also develop the habit of counting when handing over accounts with others, and it is best for both parties to count and confirm.

Welcome to pay attention to Tianya alone!

I'm Xiao Cui from the workplace, and I'm glad to answer this question.

Nowadays, ordinary people rarely take cash at the bank counter, and they basically transfer money.

However, we will still touch the counter to withdraw money. It wasn't like this the other day. Kindergarten has to pay tuition. Let's go to the counter to get it.

The teller takes out the cash from the cash box, counts it and bundles it. If it is a whole bundle, he will ask. Do you need to count? And if the service attitude is not good, directly deduct the customer's hand.

At this time, it is recommended to check, and the bank is not responsible for leaving the counter. This whole bundle is short of sheets. Although the probability is very low, you can only recognize bad luck when you encounter it, so you should check it and protect your own interests.

I hope the above answers can help you.

Xiaoxian column provides you with financial information closely related to life, only dry goods, no routines, welcome to pay attention! First of all, Xiao Xian is a bank credit employee. Of course, he came from the counter teller step by step, so I have a very good say in this issue.

The answer is: no, you can ask the teller to show you the money counter and just watch it.

In fact, many people have a big misunderstanding about banks, that is, the so-called "leaving the counter is not responsible." Perhaps there have been similar things before, but Xiaoxian has never seen such a slogan placed or posted in the bank for more than ten years.

Tellers are human beings, and of course they make mistakes. It is possible to give more or less, and even the little virtuous are at fault. But there is absolutely no such thing as giving you less money, just like a teller or a bank will put money in his pocket. This is absolutely impossible. If the amount is wrong, whether it's overpayment or underpayment, the final result is that the teller is off duty at the wrong time. As long as it does not match, it is necessary to find out the wrong business one by one through business records and monitoring video playback, and then contact the parties to solve it.

Now banks are constantly improving their services, especially those that may cause objections and disputes. For example, are you worried that if the money you take out is not enough when you go back, will the bank recognize it?

Now, the bank requires the teller to go through the money counter at least once before handing it over to the customer. At this time, you can just watch. Or don't trust, let the teller repeat it.

On the other hand, if you go back and find that you really don't have enough money, and then go to the bank, the teller will check his account at that time, and if it is really wrong, it will make up for you.

Xiaoxian column, financial friends around you, only dry goods, no routines, welcome to pay attention! Look at the amount, if the amount is large (such as hundreds of thousands), I don't think it is necessary to count it again; But if the amount is small (thousands of yuan, tens of thousands of yuan), if you want to clear it, you can clear it in your hand.

For small amounts of money, especially thousands of dollars, bank tellers will definitely go through the money counter before paying (and often twice, tellers are also afraid of making mistakes! You can also see the amount displayed on the corresponding money counter.

Of course, if you are worried, you can order it yourself and be careful not to make a mistake. But it is time-consuming and laborious to order, and mistakes will be made from time to time. It is best to use the machine directly. If you pay attention when you go to the bank to withdraw money, you will find a money counter outside the bank business hall. At this time, you can directly use this money counter to count money. If there are mistakes, they can be corrected in time.

A lot of money (for example, the other day, Tik Tok was very hot and took millions of sacks). For such funds, they are all bundled and sold. After all the unpacking, the bank will not kindly help you tie them up one by one. Moreover, compressed packages are generally reviewed several times, and the probability of errors is extremely low. In addition, it is difficult to count the large bills in the hall, which is also the goal of a willing heart, so it is basically unnecessary to count them.

Leave the counter. Not everyone is responsible for the worst illness. The bank is not responsible for leaving the counter, but it should be said that the bank is forced. For the sake of self-interest, banks' money counters are generally the most advanced in the market. Second, there are very few people who dare to commit crimes against the wind under high-definition monitoring. Under normal circumstances, the money paid by the bank can't be wrong.

If the bank does not set this clause, assuming that the given amount of 10000 yuan is correct, what if the customer says that the transfer is less 1 card? Do you pay? Once you lose money, many people will follow suit (don't underestimate the dark side of human nature). Instead of believing in human nature, it is better to rely on its own rules and regulations and monitoring equipment, so banks will always insist on this.

In fact, if you really have long money (the bank will give you less money) and find extra money after work at night, the bank will try its best to find customers and return the money; If there is a short payment (the bank gives you more money), you will be asked to get it back.