My bad experience with this bank started with an overdraft on two uses with my debit card on the same day. By the end of that day my account was still in the positive. The next day i again used my debit card and made a withdraw. I was sure funds were deposited the night before. Later that morning i discovered the error and understand i owe the bank the amount i had withdrawn and a $35. 00 overdraft fee. It wasnt til a few days later they told me i was also charged $70. 00 for the two uses on my debit card the day before. All of this caused a snowball effect considering i had used my debit card three of more times believing i had that $70. 00 in my account.
My mother has an account in the same bank. My name is on her account for emergency use only. Today she went to take care of some transactions with her account and the bank refused to let her have any of her money until she paid a $1. 78 to my account. She would not agree to it until she found out she could not have her money or do any transactions with her account. She finally agreed to pay the $1. 78. The bank teller told my mother she would be right back. After a couple of minutes the woman returned saying my mother would have to put over $100. 00 in to my account. Considering my mother has automatic bill payments expected to go through soon she agreed to pay the amount over $100. 00.
They not only stole money out of my account, they then held my mothers account hostage. My mother and i are both done with this bank. It is sad considering i have been with this bank for about 8 years and my mother has been with them for about 5 years.
Although my husband and I have been with FirstMerit for about 14 years, I have been disappointed to see that they are now looking for every way possible to take advantage of their customers.
They charge overdraft fees on authorizations, even though the amount has not been actually captured by the merchant. They take charges from high to low, regardless of order, so if you are overdrawn by $20.00 with 3 transactions for $5 and one for $50, they will always take out the $50 first, leaving you a $26 fee for EACH of the other 3 charges.
Don't even think of trying to make a deposit on the same day to bring your balance up, because they hold all but $100 until the next business day. We found out the hard way when we made our FirstMerit Mortgage payment at the same time we deposited a check that would cover the payment. They had no problem cashing my check and posting it to my account the same day, but wouldn't give us the funds to cover it until the next day, leaving us with another...you guessed it...$26 overdraft charge.
Mind you, my husband and I aren't in the habit of overdrafting, but practices that stack the deck in favor of the bank are not conducive to a good business relationship.
I'm now eying other banks that care more about integrity than they do the money they can weasel out of their customers.
I opened my account at another bank branch and they were always very friendly and helpful but I moved so now I am real close to this branch. There is a teller who is very unfriendly she is not courteous or a person with good customer service at all. On my last visit prior to today I went to the drive thru as I thought it would be faster but after sending in my deposit slip and cash I waited for awhile three to four cars went and then when I finally received my receipt it had been ten minutes since it printed as I was in a hurry I was a bit upset this was about a week ago.
I went to the bank again today and I was the only one in line there was a customer finishing up with the only teller and they were talking obviously new each other when she walked away I started to go to the counter since I had been patiently waiting but the teller kept telling me to wait several times finally she called me tot he counter and then said I am sorry but did not sound a bit sorry and says we are off line and I am not able to help you but you can go to a store for cashback.
The stores close to this bank only allow twenty dollars and I was trying to make a deposit in my account. I did not have time to go to a store about five miles away and then come back to make a deposit when I am a bank customer for many years I should have been able to do a cash advance at my bank and make a deposit. I have another bank offering me a reward for my business why would I stay with this bank where they treat people so bad. Thank you for reading my rant! all true! :) Have a nice day!