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.
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.
I don't even know where to begin. Let's start with for the longest time i could not check my balance on my iphone between midnight and 3am. After, almost a year it was fixed. It was a huge annoyance. If i'm out at a bar I was not able to check my balance at all. A vital necessity for any college student. Now the deposit check section of the app does not work. Customer service and the bank are no help at all in explaining why it doesn't work. I'll reach the part where you take a picture of the back of the check and it just crashes. I went to the ATM today in the morning and the atm was out of service. Came back after work at 6pm and it was still broken. It's such a joke, it's the only atm on the tallmadge circle. It should of immediately been fixed. Everytime i go to the bank, i am never greeted or thanked. Last time i was there i was in line and a customer and a teller started arguing, it was so embarrassing. They were arguing about the stupidest thing to.. Apparently the customer joined the business line but there was only one teller so he was expected to join the main bank line. I remember it was around 1pm.. Should a bank be run with one teller at this time? I'm currently looking for another bank to take my money. I've banked with many banks.. including banks in the caribbean. This is the worst bank that i have ever been a part of. I took the time to write this review just for the sole reason that i am tired of them pissing me off.