A Ghanaian man living in the United States has shared his experience of being questioned by bank officials before he was allowed to withdraw $20,000 of his own money.
In a video shared online, the man is seen responding to a series of questions from a bank official as part of checks conducted before the large cash withdrawal was completed.
The bank official first asked about his occupation and source of income. He explained that he works as a social media influencer, earning money from content he shares online.
When asked what kind of content he creates, he said he mainly shares his lifestyle, including his work, travels, family moments and other aspects of his daily life.
The bank official then asked him to review a form and explained that the process was intended to protect his money and ensure he was not falling victim to fraud.
He was asked whether someone was giving him instructions over the phone or whether he had received an emergency request that prompted him to make the withdrawal.
The questions became more specific, with the official asking whether he was withdrawing the money under pressure, whether a family member had contacted him claiming to be in danger, or whether anyone had instructed him to lie about the reason for the withdrawal.
The man answered βNoβ to the questions.
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The bank official explained that the checks were necessary because of cases in which people had been convinced or pressured into withdrawing large amounts of money.
The experience may appear unusual to some Ghanaian bank customers, although large cash withdrawals in Ghana can also attract additional checks. These may include confirming the customerβs identity, the availability of funds, the purpose of the transaction and other required banking checks.
Customers seeking to withdraw large amounts of cash may also be required to give their banks advance notice, particularly when a branch needs time to make sufficient physical cash available.
Banks in Ghana are also required to monitor transactions and conduct checks aimed at preventing fraud, money laundering and other financial crimes.
What stood out in the US encounter was the direct nature of the questions, with the bank seeking to establish whether the customer was being pressured, deceived or instructed by someone else before allowing the withdrawal to proceed.
A Ghanaian man shares his experience at a bank in America after he was questioned before he could withdraw $20,000 of his own money. https://t.co/CuaVyhyqvv
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