American Express Bank, FSB
Several Months ago I deposited a check in my account from Westerra Credit Union. It was in the amount of $7,000 and was drawn to fix my grandmothers sewer line which had collapsed. After I deposited it they informed me the funds would be available in 10 business days. Huh? I've been banking here for several years, never a bounced check or overdraft and my funds are always available the next day. Michael the Manager sneers at me and says, "well with what you keep in your account, I can't do much for you." I guess I'm too small time for him to even pick up the phone and call the credit union to verify. His own customer service manager thought it was idiocy so she fixed it and I stayed.
In September two charges appeared on my account that I did not make. I filed a fraudulent claim and now after three months they tell me that they are not going to help me and I need to take it up with the website that charged me. Of course this is well past the time I can dispute it with the website so I will be reporting them to the FDIC. That $70 will be the last of my money they get.
Do not bank with them!
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I wrote to the bank and asked them what all the charges were for and this is their response to me:
Thank you for your recent inquiry.
The $31.00 charge on your account is a Paid Overdraft Fee. This charge occurs when an item presented for payment against your account causes your account to become overdrawn.
The following items presented for payment on November 19, 2013:
Levy/Internal Revenue Service $34.51
Electronic Debit/American General $25.16*
*Paid Overdraft Fee assessed
The available balance in your account on this day was $34.51. These items were paid and your available account balance became (-$25.16). Your account was charged the Paid Overdraft Fee on November 20, 2013, the following business day.
According to our records, the Internal Revenue Service issued a full release of the levy. Therefore, your account was credited $34.51 on November 26, 2013.
Please note that whenever a notice of levy is placed upon an account, Bank of the West reserves the right to charge the levy collection/processing fee. Even though the levy was not assessed to your account, the levy collection/processing fee of $100.00 is still applicable. As a result, your account was debited $34.51 on November 26, 2013.
Your account is charged $5.00 if there is a negative balance of $15.00 or more. The fee is posted to your account beginning the third business day after the negative balance occurs. This charge is assessed each business day the account has a negative balance.
Please note this charge is in addition to any overdraft, returned item or other fee which may have been assessed.
For your convenience, Bank of the West offers several services that are designed to help you avoid overdraft fees. For more information on the notice of levy or overdraft protection, please contact your branch directly at (316) 292-5870.
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I overdrew my account (my fault). They charged me $31.00 for overdrawing it and then a few days later started charging me $5.00 every couple of days since it was still overdrawn. Have been banking there for years and have direct deposit and this is the way they treat customers!
Management there has its own agenda, I have never worked for a company that took risk, and office gossip was the norm. (Working in banking for 30+ years.) The customer always comes first. Training and support always there. Have worked at Bigger banks, team work and support was always there. This was not the case at this office or bank. Everyone is out for their selves no matter what the cost to the customer. Credit never give and accusation and bullying. Federal guide line not followed. Working at smaller and then larger banks, Federal procedures must be followed for all customer. I never worked for bank where they have said theirs is a grey area. I would never recommend anyone working or banking at this institution. This has been my experience, and I hope other employees have a better one.
I was running late on the way home from work on a Friday night. I wanted to get my check in the bank because I had to work on Saturday. I called the Bank and someone stayed late so I could get my check deposited. In this day and age it is getting harder and harder to find people who will go the extra mile for you. Thanks to the people at the Blaine branch of Bank of the West. Great crew everyone there
cares a great deal. I would highly recommend this Bank. Great customer service is priceless!
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