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.
I have been a customer of danvers savings bank since 1986 & in all that time i have never bounced a check or been charged a fee for anything. Then along comes peoples united and it seems that every month i'm charged for something. 1st i get charged for an overdraft. I called to find out how this can be since i transferred cash from my savings to my checking online just before doing my online checking. The C.S. woman tells me that it's because they process the credits before the debits daily. Are you serious? The next month i made a mistake and sent an online check to my mortgage company when it should have gone to my credit card. Mortgage company was wonderful (citimortgage) they say "no problem, we will just send it back to your checking account". Yuh, no problem, except i was charged an $18 fee by peoples united to receive money back into my account!! Now today, today is the last straw. I came across a danvers savings bank money order that i had never deposited. Looked it over & see no expiration date on it so i go to my local branch & deposit it. Now 3 days later i see on my account that they took the deposit & charged me a $13 fee! I called the bank to find out why. She tells me the money order was expired. I said "there's no expiration date on it? " she tells me it doesn't matter. I asked her why the teller didn't say this when i was depositing it. She said she couldn't speak for him. I asked her who gets the $50 then, the bank? Her response to me "you do, i'm sending you back the check" i attempted to try & explain to this idiot on the phone that i'm just getting a piece of paper in the mail & that the person who gave it to me went to the bank & gave them $50 cash for the piece of worthless paper she is sending me back in the mail. So i again ask her if the bank just gets to pocket the money? After explaining this 3 times to her i think she finally got it because she finally said ohhh, i guess so. At that point i hung up & started looking for
Called to report my card lost and stolen, a woman answered and when I explained the situation she said "I have no idea what you're talking about." Then I explained again and she said "okay, was it a people's card? There's nothing I can do I'm sorry" very confused as to how my bank branch can't do anything for me. Very poor customer service would not recommend this branch.