I have come to the realization that if I don't have money, I have problems. Alternativly, if I DO have money, I still have problems. WTF?
I opened up a savings account with FNBO Direct. It took me about a week of a grueling application designed to prove my identity. In the end, they pulled money from my normal checking account and all is good, right? I get an email asking for my check and license be faxed to them to prove my identity. Mind you, I've already gone through credit related questions and bank account numbers and what-not. It looks more like a fishing scam than anything else, so I call up the bank.
They honestly do want a voided check and my license, to protect my identity before I can pull the money OUT of the bank. Apparently my "first born child" was only to be allowed to put money in. OK, So before I send it to them, I will need to attach my account number to the fax, right? They may need to know who is randomly sending them blank checks via fax (which, by the way, does not sound very secure to me).
I look online, and all it shows is my last 4 numbers of the account. Alright, maybe they sent it via email when I signed up... nope. So I call back, and ask for my account number and they tell me I need to speak with a specialist. Hmm... how special do you have to be to give mean account number. But I wait again. When she comes on, she asks me for my "second born child" before discussing my account with me, again, to protect my identity. Fine. I'm me. We are square now, right? Nope.
Won't give out an account number over the phone. While I do understand that, why bother to give me the third degree before telling me that she won't help me?
The punchline; If you happen to be keeping track, they are still looking for a random check to be faxed to them without an account number attached. If I were to die, my wife won't know the account number either. OK, then, so just WHEN did they give me the account number? Back when I logged on the first time. If I didn't write it down, she can't help me. They don't give out numbers over the phone. She suggested I log in for the first time as the joint applicant, it would give me the account number then. So I logged in as the joint account holder, did it show me the account number? No, of course not. I guess will just have to drive to Omaha, Nebraska and speak with a teller.