I had a bill pay that I accidently set to the wrong checking account with caused an overdraft. After my balance went negative, the ATM card still allowed me to withdraw and use debits causing fees of $204 to accumulate. This due to their so called overdraft "protection" which charges you $34 PER INCIDENT. The idea being that this "service" ensures you have continued use of your card even if you don't have the money. What good is this so-called "protection" when it puts you further in the hole anyway?
Online customer service told me there was nothing I could do about it but the local branch manager understood and reversed the fees. However, when I inquired about opting out, which will be mandated by law in June, I was told I could not and they wanted to upsell me on a line of credit instead. I am COMPLETELY disgusted by this and I'm taking my money to Chase which allows you to opt out right off the bat.
Also, their online banking is PATHETIC. I can't even believe this is a bank operating in the 21st century. Horrible interface, poor alert system, and the online customer service is extremely rude and unhelpful. I'll be very surprised if this bank lasts another 10 years with its poor customer service.
They are rude and condescending to the customers. Just terrible. They have no concept of customer service.
The bank's overdraft fees is set automatically on a daily system. If you make any mistake one day that you go over your balance, you get charge $37. 00. If you don't catch that mistake immediately that same day, a $5. 00 overdraft can cause a domino effect with a minus of $37. 00 every time there is a transaction in that account. I got charged 6 times an overdraft fee because of an automatic payments during a weekend that i didn't catch on time.
When i checked the statement on line, i was fine. I discussed my case with 2 staff there, but in vain they took away only 1 overdraft fee, and i got charged with $185. 00 of fees. I thought most banks charge overdraft fees on the same day that it happens. No, only few banks like people's united bank do so. This bank is taking advantage of hard working people with a small mistake they would in a day. Shame on you people's united bank. You should change your name. You're not a people's bank.