I have a cashiers check that I recently found in my desk drawer. It says it is void 90 days after the date. It was purchased at the Monterey Branch of the F&A Federal Credit Union. I went to the Monterey branch and went to the front desk and said that I have a check that was past the 90 days and asked to have it re-issued. The women at the front desk said ok, it could be done and asked for my membership number. I am not a member of this credit union and I told her I was not. She referred me to the assistant manager, who told me that since I was not a member that they would not re-issue it without getting the approval of their member. Now I don't understand why their member has to approve it since he purchased the check from the credit union and gave it to me. He is no longer involved. The new re-issued check will not come from his account. The credit union has the money sitting in their account waiting for me to cash it (I checked with their accounting department) but they refuse to simply re-issue the check without talking to their member who purchased the check from them. I have talked to other credit unions who say they don't understand why I can not get the check re-issued without involving the member. If it is a policy of their credit union, it is a policy NOT a law that they can't re-issue the check without talking to their member. So I have tried unsuccessfully for 10 days to reach the man (their member) who purchased the check from the credit union. I have called and left voice messages on a cell phone, sent a certified return receipt letter, checked for him on face book, and people search without success. The credit union said they tried to call too but they did not reach him either. I asked them what can be done if he either can not or does not respond (perhaps he is in the hospital, sick, moved to another state??), they did not answer this question. I asked what other avenue that can be taken and they did not answer. I asked for the names of their senior officers, Branch Manager, Vice President, President and they will not give me those names. The only response from them after I told them everything I am doing to satisfy their request to have the member come to the office to have the check re-issued is "I have not heard from our member, I will contact you as soon as he makes contact" They are even willing to inconvenience their member when it isn't necessary for him to have to do this since they are the ones holding the money in their account NOT his! The check is quite a large sum, I don't know if they think that if they don't re-issue it then their credit union gets to keep the money when the money belongs to me for the sale of a product not to them. I see them as holding to a technicality because I am not a member. I said I would become a member but they won't let me since I am not a fireman or in agriculture and I don't qualify. It is a catch 22, if I were a member then they would re-issue the check, no problem but since I am not a member and can not become one, then they won't re-issue the check. I thought credit unions were about service and caring, this one sure isn't. read more