SSN and ID required for a small bank deposit

I never experience what you did when I deposit cash at First Horizon Bank (formerly Iberia Bank).

Did you walk in and start announcing that you aren’t a customer and this is a deposit for a relative?

I bet you did you silly goose

I didn't announce anything. I handed over cash and a deposit slip.

Some people have a hard time figuring out zelle evidently.

AML/KYC isn't new. Especially when you're dealing with smaller banks, though, they are ultra paranoid. If you F up in March of 2022, you may not be informed of a regulatory action for well over a year, for instance. By that time, you would have permitted 5,000 checks to be deposited by a non-account owner. Ignore those Biden SARs, btw. They're not important.

However, "tiny" perceived violations like not getting an SSN of a customer (which means almost nothing, since they're not checking your SS card to verify it is accurate) could result in fines that would cripple a smaller bank.

Banking regulations are a lagging indicator, until the federal agency that governs your institution decides it wants to go after you. Smaller banks don't have armies of Citi/JPMC lawyers, so they are going to do anything to preserve their charters, even if it's not technically required.

Most banks won’t even let you do this anymore. BoA wouldn’t let me deposit money in my moms account.