Rick's check goes into our account by direct deposit on 12:01 AM on every other Friday. He got paid this past Friday, so I paid the bills. Later in the afternoon, I made a deposit of 3 checks totalling $101.08. After asking the person at the drive thru if I would be able to withdrawl these funds immediately (and he said yes), I then made a cash withdrawl for $100.00.
Now I have 4 returned check fees on my account for bills I paid earlier that day (Friday). At $33.00 each, that is $132.00! All of my grocery and gas money for the next 2 weeks!
Apparently by the banks standards, even though the withdrawl was made within minutes of the deposit, my account was overdrawn because the deposit wasn't posted until Monday, Whereas the withdrawl was posted at the very time I made it. These transactions were made within minutes of each other.
I just got off the phone with the banks customer service rep and one of the supervisors. Although the supervisor was VERY kind, in the banks eyes it is my fault. Explain to me why this is my fault? I made a deposit to cover the w/d I was making.
On top of this, when we checked the account on Saturday evening we saw that it looked like it would be overdrawn. The account overdrawn/account pending (which we took to mean they were holding one of the checks I had had deposited and that was why it was going to be overdrawn) and showed the four fees as well as the w/d and deposit. So we transferred $130 from our other account, just in case. So with the transfer and deposit and withdrawl, that should have put us up $131.08. I had planned on transferring the $$$ back to the other account today so I could go shopping. INstead, we are now overdrawn almost $30. If we hadn't made that transfer, it would be even worse!
Rick and I are both livid about this. I just talked to him on the phone. If he can't get it straightened out, then we are closing all 3 of our accounts with them. We have had more problems with them in the past few months than we have had in the past 10+ years we have had this account.
Am I wrong? I told the supervisor that not only did I think this was wrong, but as far as I was concerned it should be illegal. It's like they are stealing from their customers!
Now I have 4 returned check fees on my account for bills I paid earlier that day (Friday). At $33.00 each, that is $132.00! All of my grocery and gas money for the next 2 weeks!
Apparently by the banks standards, even though the withdrawl was made within minutes of the deposit, my account was overdrawn because the deposit wasn't posted until Monday, Whereas the withdrawl was posted at the very time I made it. These transactions were made within minutes of each other.
I just got off the phone with the banks customer service rep and one of the supervisors. Although the supervisor was VERY kind, in the banks eyes it is my fault. Explain to me why this is my fault? I made a deposit to cover the w/d I was making.
On top of this, when we checked the account on Saturday evening we saw that it looked like it would be overdrawn. The account overdrawn/account pending (which we took to mean they were holding one of the checks I had had deposited and that was why it was going to be overdrawn) and showed the four fees as well as the w/d and deposit. So we transferred $130 from our other account, just in case. So with the transfer and deposit and withdrawl, that should have put us up $131.08. I had planned on transferring the $$$ back to the other account today so I could go shopping. INstead, we are now overdrawn almost $30. If we hadn't made that transfer, it would be even worse!
Rick and I are both livid about this. I just talked to him on the phone. If he can't get it straightened out, then we are closing all 3 of our accounts with them. We have had more problems with them in the past few months than we have had in the past 10+ years we have had this account.
Am I wrong? I told the supervisor that not only did I think this was wrong, but as far as I was concerned it should be illegal. It's like they are stealing from their customers!
That is why I left my last bank. I had too many cases where they gave me bad information and then wanted me to pay the fees for their employee's misinformation.
)goes a long a way in getting your way! And your money back!
and that your husband is a diabetic who needs to eat certain types of food to stop him from getting sick 
