I set up my account for direct deposit (mistake #1) and my company followed their procedure of sending out a test deposit to make sure that it would work when they sent in my actual deposit. Well perkstreet got my deposit and when i checked my account no money, then when i called i got alot of bank talk and not resolution. I had to go 4 days over the holiday weekend with them holding my money and me without it. Well i finally informed my them it was an error in my account number and my company did not receive any word from them of this and they gave the best answer of "we dont let them know" (mistake #2). I called 4 days prior to my next payday to inform them that my company had sent in my direct deposit before i could cancel it. They said i would not get paid this friday because their processing team need to manually change it and then pass it on to another team to enter the deposit so now i will get paid monday. Well my wonderful customer service person named katie maxwell took it upon herself to talk to me like i was ignorant to banking then kept saying it was my company fault because they should have known it was wrong. Then she passed me on to dan who was suppose to be the supervisor and guess what he started the conversation with "yes you guess it the bank policy" (mistake #3) now i am being treated like i am calling because i am holding their money. Bottom line to the story if you want rude customer service and confusion this is the place for you.
I deposited $50 to open an account to use at a later time and I checked back after some months later and almost all of it was gone! $4.50/mo. for inactivity fee! Could not believe it. All they had to do was hold my money. guess they couldn't resist taking it from me while I was not looking. Will never bank here again.
Perkstreet account holders, beware! Make sure that when you contact the bank to close your account, you also tell them to close your debit card and cancel overdraft protection.
Failure to do so in my case resulted in a debit card transaction being honored after I requested closure of my Perkstreet checking account because the overdraft protection was still in force and the debit card was still active - despite my checking account being "closed"!! I had called Perkstreet's customer service to close my checking account. During the course of this telephone conversation, Perkstreet's rep did not tell me I needed to close the debit card and cancel overdraft protection as well. I didn't know any better, and assumed that a closed account meant everything pertaining to the checking account was closed, including debit card and overdraft protection.
After I requested closure of my checking account, Perkstreet paid an online purchase transaction of -$75.00, then hit my account for a -$32.00 non-sufficient funds fee which put my checking account a total of -$107.00 in the hole. Somehow, my Perkstreet debit card had become the default payment method for my health insurance company's mail-order prescription service. It had not been the default previously, and I have no idea how the change occurred. Or maybe I did change it awhile back to earn more Perks and I just plain forgot. I'm not sure.
So now Perkstreet wants me to send them $107.00 to put the account balance back to zero. I'm not inclined to do so, seeing as how I lost $97.00 in Perks Rewards when they announced the bank's closure. However, I was told today by Perkstreet customer service that if I do not deposit the $107.00 then my account will remain open and future purchases would be honored. There's nothing quite like feeling your credit score is being held hostage by a dishonest bank. :/