I have been with this bank for 18 years, formerly known as lockport savings bank. They do not care about their customers in the least bit. They are only concerned about collecting fees and "raping" their customers financially. I have had a home equity line of credit with them and multiple accounts throughout the years. My husband and i moved out of state and decided to close the accounts because it was impossible to manage our accounts with their lack of technology and inability to make deposits other than in person. Upon closing our accounts, we had a line of credit on both accounts.
They sent us a check for our remaining deposit money and then claimed we were late on our line of credit (overdraft account). They charged us $25 for each account and proceeded to send us a bill for the delinquency after 3 weeks of the accounts being closed. We never even received a statement to make a payment. I called the bank and i was informed that statements are a courtesy and they refused to reverse the charges. They said it was not a bank error but an error on behalf of the person who closed our accounts when we sent our request by mail. Last time i checked, bank employees would be responsible for bank errors.
Not too mention they willl charge you &37 for an nsf fee and then if you do not deposit money into the account within 7 days they will charge you another 35 on top of that... The worst bank ever!!! Beware!! Put your money some where else!! They only want to collect fees from you and will go to all lengths and random charges to collect it from you!
I financed my car through them 10 months ago. Come to find out that they accepted paperwork from the dealership and never verified. They told me that they accept everything that they receive as being true. Someone obviously didn't do their job and they do not want to own up to it. I will never use this bank again.
All i have to say about these reviews is if you took some personal responsibility there wouldn't be as many issues. Everytime there is a fee change or an account change the bank notifies you 60 days ahead of time... maybe you should read your mail and stop blaming the bank for your laziness!!! Also, the include statement inserts... so if you opened your statement it would avoid 2 issues: you would know about the fee change and how to avoid it and you wouldn't over draft your account because you would be able to properly balance your check book! I've worked for many many banks and they are ALL the same! The bottom line is the customers have to have some personal accountability we can't do your banking for you we can only provide you with the information you need to do your own banking