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 Later that morning I discovered the error and understand I owe the bank the amount I had withdrawn and a $35.00 overdraft fee.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.
I have been with this Bank for almost 4 years now. The customer service with the reps is outstanding, they are so caring and listen to you and try to help you in every way possible. They are a cut above the rest when it comes to the numerous banks I have been to around the country. The counter service personnel really are mostly unfriendly a crew, some of them do not seem to speak English, but even if you don't you can still gracefully smile, because that job is customer service. However, there are gems in this group, some of them are friendly and smile. There are also those who don't realize that their job is customer service, they need to socialize without repercussions. Hopefully in 2014 they would all be retrained on how to smile and be helpful and speak English as well.
Worst bank EVER!! I've had my account there for four years now. I originally went with them because of their free checking. Let me tell you..NOT WORTH IT!! Charges after charges after charges. My insurance company took a double payment on both my car and home by accident. I deposited the money to cover their mistake on THE SAME DAY they did it. Got hit with two overdraft fees that they will not reverse! My insurance company has since corrected their mistake but First Merit will not take back their two fees! I have been dealing with similar situations and their crappy customer service and inane rules for too long. I've graduated college now. I have a better job and I'm taking my money somewhere else. I wish I had done more research when choosing a bank because now that I'm looking around it seems majority of their customers hate them. I would NEVER recommend First Merit to anyone!...EVER!!