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 Later that morning I discovered the error and understand I owe the bank the amount I had withdrawn and a $35.00 overdraft fee.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 moved to this bank due to the location from work and home. I did review fees and other important info. going back over this past yr I have spent little over $550 in fees alone. This morning as I deposited some in checking I was advised of $10 for statement form.. which I only do online statements(?) and fees non-merit bank activity. never had this before. so with alone they charged me $35 addition because I was overdrawn. I talked to admin, but was talked to as a child. I have been given fees to go negative so I could be charged again for being overdrawn.. I have never had so much trouble with a bank.. Its all about the money, not the little guy.
I'm pulling my $50k and going back to my old bank..
I'm not going to waste a ton more time explaining the whole situation, but if you are considering banking with First Merit, DO NOT. The branches are okay (depending on your branch of course) but they don't have any authority. All the authority goes through Ohio, and they could care less about their customers other than the $ signs. This is the most paranoid bank I've ever run across, constantly calling to verify if you've actually made transactions. Constantly asking you how you are spending your money. Requiring incredibly tedious log in verification, etc.
It's too bad too because Citizens was a good bank before they bought them. The whole switchover from Citizens was a disaster too. Choose literally any other bank and you'll be happier.
It's such a pain to switch banks, but they've aggravated me to the point that I have to.