I received a phone call from the bank that my line of credit was over drawn. The message requested that I take care of that differennce today.
It was my mistake. I had miscalculated. I was delighted to receive that call for two reasons.
1. BMO did not bounce the cheque that put it over.
2. BMO called to alert me to the problem.
Naturally I returned the call and corrected the overage that afternoon.
BMO did two simple things that I appreciate. Apparently it is possible for the bank to do that.
Contrast that with my experience with the TD Bank. When faced with a similar situation TD bounced my cheque and did not call me. Instead, they mailed me a noticed that arrived a week later. And TD charged me for a bounced cheque from them and the other bank plus an overdraft charge.
When I received the notice I called immediatley. I visited the bank and fixed the overage. I asked the TD Bank to call me when and if this happens again. They informed me that they didn't have time to call everybody... What that really meant is that they had no intention of calling me because I wasn't important to them.
I have been a customer of both the TD and and BMO banks for at least 30 years.
Just imagine that. There is a problem - so you call your customer and let them know. That is so easy to do. Why don't they all do that?
I know. Some of them are too busy to talk to customers.
Kudos to Bank of Montreal.
Lumps of coal to TD Bank.
George Torok
Marketing Expert
Marketing Speaker
Radio Show Host of Business in Motion
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