I feel like even trying to deposit money my bank (local credit union) has become even more invasive. I had a few insurance checks I needed to bring in that they would ask probing questions about, one almost denied me being able to deposit it. I thought that’s what the whole dumb 5-day hold was about, I don’t need some random teller getting in my business. Just take the check, verify it’s getting paid on your end, and don’t question me like I have to justify why I’m getting a check in the first place.

I’ve banked with them for 20 years now and I’ve never seen this kind of behavior before, so I don’t know if it’s always been like that and I just never saw that side or if the banking industry itself is getting more strict with things.