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Charlevoix Downtown

201 State Street
Charlevoix, MI, 49720

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Charlevoix Downtown Customer Reviews

rblaw's Profile Image

Reviewed by rblaw

Feb 3rd 2014

Terrible

I tried to make a deposit at a First Merit branch ATM using my Citizens bank card. I kept getting a message saying "Transaction Incomplete, would you like to make another." When I tried again, I got the same message. So I called First Merit and was placed on hold for half an hour. When I finally spoke to someone, she told me that all the Citizen Bank cards were cancelled at the time of the merger. That was last October, but I received no notice of the cancellation. I can get a new ATM card at any branch, but there will be a one dollar a month "maintenance fee." A fee for using a service that should save the bank time and money!! The only reason I will go to one of the branches will be to withdraw my funds so I can deposit them with another bank.

Is this review helpful? ▲ Yes 3 ▼ No 0

FirstMerit Bank Customer Reviews

LotusPrins's Profile Image

Reviewed by LotusPrins

Dec 23rd 2013

Excellent Bank but cashiers need more training.

I have been with this Bank for almost 4 years now. The customer service with the reps is outstanding, they are so caring and listen to you and try to help you in every way possible. They are a cut above the rest when it comes to the numerous banks I have been to around the country. The counter service personnel really are mostly unfriendly a crew, some of them do not seem to speak English, but even if you don't you can still gracefully smile, because that job is customer service. However, there are gems in this group, some of them are friendly and smile. There are also those who don't realize that their job is customer service, they need to socialize without repercussions. Hopefully in 2014 they would all be retrained on how to smile and be helpful and speak English as well.

Is this review helpful? ▲ Yes 2 ▼ No 3

Amy's Profile Image

Reviewed by Amy

Jun 15th 2010

Looking for Another One

Although my husband and I have been with FirstMerit for about 14 years, I have been disappointed to see that they are now looking for every way possible to take advantage of their customers.

They charge overdraft fees on authorizations, even though the amount has not been actually captured by the merchant. They take charges from high to low, regardless of order, so if you are overdrawn by $20.00 with 3 transactions for $5 and one for $50, they will always take out the $50 first, leaving you a $26 fee for EACH of the other 3 charges.

Don't even think of trying to make a deposit on the same day to bring your balance up, because they hold all but $100 until the next business day. We found out the hard way when we made our FirstMerit Mortgage payment at the same time we deposited a check that would cover the payment. They had no problem cashing my check and posting it to my account the same day, but wouldn't give us the funds to cover it until the next day, leaving us with another...you guessed it...$26 overdraft charge.

Mind you, my husband and I aren't in the habit of overdrafting, but practices that stack the deck in favor of the bank are not conducive to a good business relationship.

I'm now eying other banks that care more about integrity than they do the money they can weasel out of their customers.

Is this review helpful? ▲ Yes 5 ▼ No 2

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