Sorry, but you seriously showed a bank teller your CHL?
Be very very happy you were not "helpfully interviewed" by ten or so police officers, responding to a bank robbery.
Having worked in a branch, bank employees are a bit jumpy in that regard. A bank teller could have easily thought that was a holdup.
Was this perhaps one teller's personal view that could have been overridden by a manager?
In the past, when told I wouldn't have access to the funds for a "few" days for a large check I'd just deposited, I pleasantly asked to speak a manager. As it turned out the manager was a V.P. and after cordially informing him that if refused the few hundred dollars I'd requested, I would forthwith be cancelling my account.
He took a moment to look into the matter, apologized for the delay and promptly informed the clerk to issue me the amount requested.
My long winded point is: Don't let a clerk stand in the way of progress, be it at a bank or wherever.
To be fair to the clerk, they're often not fully informed or most often simply following orders. Orders that can be over overridden...and it goes a long way to remain discreet, no matter what you may have to say.
frazzled wrote:Sorry, but you seriously showed a bank teller your CHL?
Be very very happy you were not "helpfully interviewed" by ten or so police officers, responding to a bank robbery.
Having worked in a branch, bank employees are a bit jumpy in that regard. A bank teller could have easily thought that was a holdup.
I would strongly advise no ever, ever do that.
I doubt that would have happened since it was shown in response to the teller request for additional valid ID. If it had been presented first, then I might agree to the presumption.
Life NRA
USMC 76-93
USAR 99-07 (Retired)
OEF 06-07
Appreciate all the helpful information. To answer a few points
I thought about the ATM but unfortunately daycare cost is beyond the limit.
The manager of the bank was standing next to the teller. I handed it to the manager and asked her if they could accept it.
As far as presenting it. I am a pretty clean cut looking guy in business dress. I am a regular customer. They already had my account information in front of them. Its not like I walked in with my pants saggin and had a bandanna over my face handing them a chl. With that being said I don't think I will ever use it again as identification unless absolutely neccessary.
I asked DPS this very question a couple years ago. They said the CHL is absolutely not valid as an ID. I posted the email on the forum.
Pretty sad in my opinion, because your verified DL or TX ID number is also on the CHL. Their view is the number of the TX DL or ID on the CHL is the validation match for the CHL.
Ø resist
Take away the second first, and the first is gone in a second.
Glocktex wrote:Appreciate all the helpful information. To answer a few points
I thought about the ATM but unfortunately daycare cost is beyond the limit.
The manager of the bank was standing next to the teller. I handed it to the manager and asked her if they could accept it.
As far as presenting it. I am a pretty clean cut looking guy in business dress. I am a regular customer. They already had my account information in front of them. Its not like I walked in with my pants saggin and had a bandanna over my face handing them a chl. With that being said I don't think I will ever use it again as identification unless absolutely neccessary.
Good deal. I could just see a teller over-reacting.
I had a similar experience at Chase a few weeks ago. My wife and I went in to get a cashiers check for a fairly significant sum of money and they asked for a 2nd form of id.
I handed the teller my CHL as its the only other form of id I carry. She took on a "deer in the headlights" stare for a few moments, said something about not being able to run the CHL, then asked for my debit card. After a monent she excused herself to get a manager to perform an overide, supposedly because of the amount of my withdrawal, then handed me my chashiers check.
This was the first time I've used my CHL as a form of id and given their reaction at the bank I wont be doing it again. I was waiting for Ft Worth SWAT to come barging thru the doors tossing flash bangs etc......
BTW, this Chase was the branch @ Basswood & Beach in north Fort Worth to save anyone else the hassle.
Ayah in their defense, think about the reverse. They are working in a position with a very real chance of armed robbery. Plunking down a CHL leads to their first thought that you are armed. They don't know the rules, they just know you gave them a card. Unless you're a cop (and I've taken that as ID in the past) the factor rears its ugly head pretty easily.
I'd definitely change banks. Withdraw all but enough to cover outstanding checks plus a small buffer, then send a letter to the highest-ranking person you can get an address for, explaining the lack of customer service, and demanding that your account be closed.
It's the teller's choice (within bank policy) what they want to take as ID. I've cashed checks on an expired DL with no other ID, and even on a student IDs from halfway across the state. Good customer service practice dictates that, unless they have a real reason to believe that you're not the right person, they accomodate you. Frankly, if they really want to be careful, they ought to take a photo when you open the account and associate it with the database record; then the teller can see your face on her screen as soon as she pulls up the account.
There is no Constitutional question about having to present ID to LEO if not driving. You do not have to carry your papers, period. Only reference is PC 38.02 that they can detain you if there is some question as to you being wanted for something. All this assumes you arent armed of course. I have been with someone who was pulled over for speeding and DPS asked me as the passenger for ID. I had no wallet on me and said so. He simply said ok and walked back to the other side. If he had asked I would have given him my TDL number verbally but he didnt.
As far as the bank calling cops because you show a CHL as ID has to be hogwash. If you simply show it and ask if it is acceptable and they freak out then at minimum account will be closed and a formal apology from the bank manager better be forthcoming.
Bank of America in Plano took my CHL as valid ID. One of my employees had my drivers license to renew our city registration to perform mechanical work in Plano. My CHL was all I had. They didn't even blink about it and cashed a check for 5 grand. Maybe the clerk thought it was a DL...they do look almost the same.
Heck...now that I think about it...I withdrew money from our business account at Legacy bank a few weeks ago using my CHL as ID. I think it is up to the clerk or bank what they choose to accept, but I believe a CHL is a valid form of State ID...everything on it is the same as a D.L.
Another point...some folks don't have a DL, so the state can issue a State ID that looks just like the DL and CHL. Banks accept that. I bet you just hit an anal retentive clerk that was real unhappy about their lot in life.
i have been told (but not verified) that an expired TDL is not accepted as valid because it wasnt illegal to have a fake DL as long as it was for "novelty" use. If it has a valid date then it becomes illegal. This was passed on by both a teller and a bouncer who wouldnt let me pass on an expired TDL years ago. Sounds iffy but my .02.
