I used to have First Commonwealth as a bank before I moved, and kept the account active to use Paypal. I always used credit, but one day the system for some reason withdrew the money from the account instead of going with credit. I called First Commonwealth immediately to let them know the situation (my account, as I well knew, had less than $3 in it). Outside of not being able to cancel the payment, which was outside of their control, they absolutely refused to remove the overdraft fee. Other banks, such as Wells Fargo, do everything they can to work with the customer, especially when an error occurs that was outside of their control. First Commonwealth needs to seriously consider this, and a few other technicalities (such as their horrible online system and still lacking email statements at the time of this writing), carefully if they wan to be a successful bank. It is, after all, OUR money that keeps them running.
First commonwealth is a disaster. I've had an account there since 2004 and will be closing it when the check i just deposited clears. In 2005, i deposited a $600 paycheck. I had some cash to begin with, nothing was drawing from the account, and suddenly there was an overdraft charge! Turns out they put my paycheck in the wrong account! Thank heavens i saved the receipt. Had i not done so, i would have been screwed! They corrected the situation and removed the od charge, since it was their error. However, every member of my family has had the same thing happen since! There's no excuse for making the same mistakes over and over! Fc is cutthroat with regards to od fees. They sting you with a $35 fee then tack on $8 each day your account balance is negative. They tried to contact me about this as a "courtesy" but called an obsolete number i know i changed! When i inquired, they told me there was "nothing they could do. " yeah, right. I did have a few overdrafts that were my fault. However, at least a couple of them should have been waived. Once, i deposited a check. Another check happened to clear later that day. But i was charged a $35 od fee, because they didn't credit the incoming check until the next day. They did not inform me of this policy! Then, when i got overdraft protection, they failed to tell me that i had to manually "join" my savings and checking accounts. I had one od and was charged the full $35 instead of $15, because i "didn't read the fine print. " typical bank propaganda. They even began charging me $1. 50 for balance inquiries at other machines. A transaction i understand, but an inquiry? Really? The last straw was depositing a $6,590 check to cover college tuition then being told i had to wait 5 business days for all of the funds to become available, due to another seemingly arbitrary policy, which they essentially made up on the fly. Online banking is ok, but otherwise fc is extremely customer unfriendly and has become very greedy and corr
1- Never respected their words.
2- They take you into tight corners and you feel threatened.
3-You cannot complain as they turn against any complaint.
4-I wasted 4 months with some psychopath and my good luck put me to FIRST BANK OF NIAGARA where they give me 1% less interest rate and they concluded in 3 weeks!!!