I had 2 transactions that came into my checking acct. on the same day (9.92 and 38.49). Apparently I only had about 16.00 dollars in my acct. There was enough to cover the $9.92 but not the $38.49. Instead of taking the lower amt. out first, so there wouldn"t be a $37.50 charge , the bank took out the higher amt. so then neither one would be covered and they charged an overdraft fee of $75.00! That's some good customer service. Instead of helping the customer in this poor economy, they screw them!
Wow, I just got off the phone with a supposed manager. She kept talking over me the whole time. I was trying to figure out why some pending payments posted AFTER 6:30 pm, causing my account to go negative. She actually told me that they post charges AFTER midnight for the previous day. How would I know that the pending charges would actually go through that late? I even deposited money to make sure my account would be current, but did not deposit enough. Everything about this situation is terrible. I've never heard of a bank posting after the Fed closes. I've worked in 2 banks and we always told customers that nothing posts after the fed closes. That is why your deposits after 4 pm eastern time have that disclaimer that they may not count for that day.
I have been a business man for 44 years and have never been treated with the respect and honesty that is afforded to me by this bank. My branch is the Meijer on 28th st and Kalamazoo in Grand Rapids. Tellers are friendly and accurate. The manager Dan is the best I have encountered. They have helped me out on many occasions where other banks would have ignored the situation.