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When Jessica DeLaCerda, a teller with the $148 million Auto Body Credit Union, Lansing, Mich., noticed one of the credit union’s older members withdrawing $3000 from her accounts, she was curious.

“It’s a very ticklish sort of question,” DeLaCerda admitted. “You can’t just come out and say, ‘That’s a lot of money. What are you going to do with it?’” she said. “So I try to say something, ‘Wow, doing some holiday shopping, huh?’ or ‘Guess it’s getting close to tax time again.’ And if the person wants to respond, they can. If they don’t, they are being private about the money.”

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