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 Later that morning I discovered the error and understand I owe the bank the amount I had withdrawn and a $35.00 overdraft fee.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 was a Citizens Bank customer for 8 years. When they were bought out by First Merit, they no longer would allow one line of credit to cover both checking accounts. The whole reason I got the LOC was to prevent overdraft fees. Of course I got busy at work, wife went Christmas shopping and we overdrafted. They charged us 10 overdraft fees of $35 per overdraft transaction on a single day. Some of these transactions were only like a dollar, but ended up costing me $36. In all, about $300 ended up costing me $750.
I had plenty of money in my other checking account, in savings and on the LOC. Didn't matter. I called to ask my branch manager to see if there was anything she could do about reducing them, and wouldn't budge a bit. Didn't care, didn't want to understand, wasn't concerned about how upset I was. Proceeded to lecture me on keeping a register, balancing my checkbook, there was nothing she could do. I already knew I screwed up, but I was wanting a little forgiveness and understanding for a long time customer.
I am done with this bank.
Since First Merit took over our branch from Citizens Bank, it's been one problem after another, but the worst by far is their online banking system. There is no running balance so you can see a problem if they say there is one, debits appear then disappear. It takes them a very long time to deduct online bills paid through their system. If you over draft and something seems off, there's really no way to see if that's so, since many transactions are not visible. It's an absolute mess compared to Citizens very transparent and up to date system. We're out of this bank as soon as we can be. I feel like this set up is designed to keep the customers confused and that makes it very easy to make costly mistakes to the benefit of the bank. I miss Citizens.