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An elderly man in his 80s, who was hospitalized after collapsing with a cerebral infarction, visited a bank in a bed in an intensive care unit. 



This is because the family tried to receive the deposit on behalf of them to prepare for the hospital bill, but the bank insisted on the position that "the owner of the account must come." 



Yesterday (29th), according to Yonhap News, the family of Mr. A, an elderly man in his 80s living in Seoul, urgently needed money for hospital bills, and to find Mr. A’s deposit deposited in a commercial bank (whether proxy receipt is possible), the bank I contacted the branch. 



However, the bank employee cites internal regulations and only repeats, "If the depositor has a medical certificate indicating that they are incompetent, the bank can transfer money directly to the hospital account only for urgent surgery expenses. In other cases, the depositor must visit in person to retrieve the money." I did.



The hospital bill that Mr. A had to pay exceeded 5 million won, but there was no item for surgery.

This is because Mr. A was in a state where he could not undergo surgery because of his advanced age.



Mr. A's family said, "At the time, my father was in the intensive care unit and couldn't move, and the hospital side said that he couldn't go out because he didn't know when and what would happen." I only repeated like a parrot that I had to come in person because there was no one."



Eventually, Mr. A had to call a private ambulance and visit the bank in an intensive care unit bed.



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In response, Mr. A's family said, "You have money in your name, but if your child doesn't have money, you mean you can't even get hospital treatment?" 



Regarding this, a bank official said, “In the case of fixed deposits, it is a rule to withdraw after confirming the identity of the person.” do," he explained. 



He added, "Exceptional payments such as urgent surgery expenses are possible only when internal regulations are met in order to protect depositors."



Meanwhile, in 2013, the Financial Supervisory Service requested financial companies to cooperate in enabling deposit withdrawals in a limited way, such as by sending an official document directly to the hospital account within the scope of hospital expenses in case the account holder is unconscious. 



However, the subject and scope of such exceptions, payment methods and procedures, etc. may differ from bank to bank as each company operates autonomously according to internal regulations, and customers who have deposited deposits have no choice but to follow them.



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In fact, as voice phishing, fraud, embezzlement, and even family relationships increase in cases of abuse, the Personal Information Protection Act and real-name financial transactions have been strengthened, and for this reason, bank transactions are limited unless you are the person you are. 



However, if it is difficult for the depositor to personally visit the bank due to unavoidable reasons such as inconvenient movement, dementia, or unconsciousness, there are not a few situations in which the depositor is unable to find the money he needs. 



As the above story became known, netizens responded that they had suffered from similar problems. 



They sympathize with Mr. A's story and say, "The bank's tyranny is right", "It's inflexible", "Replacement by submitting verifiable documents such as family relationship documents, or a bank employee visiting the hospital", " In the face of an aging society, such things will become more and more common.” 



He continued, "It seems that institutional supplementary measures are needed so that the financial authorities can flexibly deal with depositors when it is difficult for depositors to visit the bank due to exceptional circumstances."