Barratou Barry, an RBC bank client of 15 years, says on Aug. 18, she went to her regular branch location on Bank Street to make a cash deposit in her account and to pick up her new credit card.

“The first transaction went well. I put money into my account, I gave them my debit card; everything was smooth. To pick up my credit card I needed identification,” she says. “I did not have my driver’s license handy with me at that time. I had my health card.”

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-5 points

The problem is “otherwise fine” is not a determination bank staff can make. The passport has one glaring issue, but the branch staff aren’t document experts and can’t run identification confirmation checks on government databases. The police can.

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1 point

Passports have watermarks and aren’t easily forged. There is someone at the bank who is trained well enough to know about watermarks.

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