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Thread: Different OC in Bank / Credit Union Question

  1. #1
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    With the weather finally warming up around here I'll be OC about 95% of the time now. I have only been 21 for about 7 months now. You have to be 21 to OC/CC in Washington. Since I have been able to legally carry, I have always been wearing a jacket every time I have needed to go to my credit union. I have never went out of my way to OC by taking my jacket off.

    My CU doesn't have a no weapons sign, but they do have a sticker on their doors saying something along the lines of "Remove sunglasses and hats. No display of weapons". I hardly consider OCing while going about your daily business a display, but obviously that is not my call. I'm not going call or go in CC and ask for their policy, AKA ask for permission to do something legal. I plan to go in there with my pay check, hopefully deposit it as normal, and leave as I normally would without a negative encounter. That's the plan anyways... But, that brings me to the entire point of this thread. I have been with these guys for quite a while. Long enough that I had my parents with me when I opened my first account. I am pretty green when it comes to procedures on closing accounts and such.

    If they tell me I need to lose the gun or leave, what is the process for closing an account? Do I get a cashiers check made out to me? I will obviously attempt to reason with the employee / manager, but will not think twice about about doing my banking elsewhere if they don't allow OC.

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    Regular Member t33j's Avatar
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    I got cash when I closed my account at Wachovia. I just got taken into one of the offices where an employee spent ~10 minutes fiddling with a computer.
    Sic Semper Tyrannis

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    Brad Cowin wrote:
    If they tell me I need to lose the gun or leave, what is the process for closing an account?
    It's very simple and goes a little something like this:

    You: "Hi, I would like to close my account."

    Them: "Sorry to hear, is there a particular reason why?"

    You: Explain you don't agree with their prohibition of your freedom of choice to carry openly

    They will probably try to convince you why they think their policy is a good idea, but ultimately they'll have to either cut you a cashier's check (which most likely will cost you a small fee) or cash depending on what choice (check or cash) you'll want and then close your account. Closing a bank account is easy and they pretty much have to close it when you request closure of the account, sometimes they'll even do it right at the counter. Worst case is you have to walk out, throw some clothing over the pistol and come back in to close the account.

  4. #4
    Regular Member sudden valley gunner's Avatar
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    I've OCed into several Banks and Credit Unions here in Washington and never have had a problem.

    But probably a good idea to remove dark glasses and not wear a hood up on your sweatshirt while doing so.
    I am not anti Cop I am just pro Citizen.

    U.S. v. Minker, 350 US 179, at page 187
    "Because of what appears to be a lawful command on the surface, many citizens, because
    of their respect for what only appears to be a law, are cunningly coerced into waiving their
    rights, due to ignorance." (Paraphrased)

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    Founder's Club Member Tess's Avatar
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    Brad Cowin wrote:
    With the weather finally warming up around here I'll be OC about 95% of the time now. I have only been 21 for about 7 months now. You have to be 21 to OC/CC in Washington. Since I have been able to legally carry, I have always been wearing a jacket every time I have needed to go to my credit union. I have never went out of my way to OC by taking my jacket off.

    My CU doesn't have a no weapons sign, but they do have a sticker on their doors saying something along the lines of "Remove sunglasses and hats. No display of weapons". I hardly consider OCing while going about your daily business a display, but obviously that is not my call. I'm not going call or go in CC and ask for their policy, AKA ask for permission to do something legal. I plan to go in there with my pay check, hopefully deposit it as normal, and leave as I normally would without a negative encounter. That's the plan anyways... But, that brings me to the entire point of this thread. I have been with these guys for quite a while. Long enough that I had my parents with me when I opened my first account. I am pretty green when it comes to procedures on closing accounts and such.

    If they tell me I need to lose the gun or leave, what is the process for closing an account? Do I get a cashiers check made out to me? I will obviously attempt to reason with the employee / manager, but will not think twice about about doing my banking elsewhere if they don't allow OC.
    Open the account with another bank first. Then ask for an electronic transfer. May cost a couple of dollars, but depending on the size of your account, could be a lot safer and quicker than any other method.
    Laws alone can not secure freedom of expression; in order that every man present his views without penalty there must be spirit of tolerance in the entire population. -Albert Einstein

  6. #6
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    If it's a checking account that you're closing, you need some important information: exactly checks and/or debit card transactions are still outstanding. You need to leave enough money in the account to cover those transactions.

    (Not even all debit card transactions are instant; some can take a day or two to process.)


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    Regular Member 1245A Defender's Avatar
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    call corporate first, get the official word on guns in their bank.
    at least then you will know where you stand, and youll know what your options are.

    EMNofSeattle wrote: Your idea of freedom terrifies me. So you are actually right. I am perfectly happy with what you call tyranny.....

    “If ever a time should come, when vain and aspiring men shall possess the highest seats in Government, our country will stand in need of its experienced patriots to prevent its ruin.”

    Stand up for your Rights,, They have no authority on their own...

    All power is inherent in the people,
    it is their right and duty to be at all times ARMED!

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    State Researcher Bill Starks's Avatar
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    So what bank do you do business with? Posting this in the Washington forum would have got you the answers you were looking for as well.

    I have information on several banks in Washington but without your banks name I can't tell you their policy.

  9. #9
    Regular Member CUOfficer's Avatar
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    To close your account you can withdraw all the funds in cash, bank check, money order, cashier's check, etc. However, they do not have to make all of your funds available to withdraw on the same day. I would recommend talking to the president and figuring out what their exact policy is.

    Also, have a new checking account opened somewhere else so that you don't have any interruption in service!

  10. #10
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    Sounds straight forward enough...

    I bank with Horizon Credit Union. I hadn't really looked before but the look like they are Eastern WA and Northern ID only.


    Just called corporate actually. Talked with their security guy. He said the no display of weapons meant no open carry. Uniformed LEO are the only ones they trust to OC. They are fine with CC though. Had to be half a dozen ignorant (not really anti though) statements about OC that I chose not to argue.

    So now what do you think my best course of action is:

    Go in CC and close my accounts?
    Go in OC and close my accounts?
    Go in OC and attempt to bank as normal but close my accounts if asked to leave / remove weapon?


    I immediately regretted calling. Still not really sure why I did. If this particular branch is ok with OC, then I'll still be banking with an anti-OC company. Although I have no loans with them and they pay me interest, it still wouldn't feel right.

  11. #11
    Regular Member Brimstone Baritone's Avatar
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    I would have gone with option C. Now that you are aware of their policy, option A or B seems the only honest way to handle the situation with B running the most risk because you are purposefully violating one of their policies.

    If you otherwise like to bank there, and the branch manager is okay with it, then that is up to you and no decision is the wrong one.
    There was a time that the pieces fit, but I watched them fall away, mildewed and smoldering, strangled by our coveting. I've done the math enough to know the dangers of our second guessing. Doomed to crumble, unless we grow and strengthen our communication. -Tool, "Schism"

  12. #12
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    I'd go back and close my accounts and let them know why they were losing my business. OC or CC depending on your state's law regarding the applicability of trespass.

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