What bank is that? It's time to switch..
Like I say, I love my bank.. I used to get abused like that by my big bank.. thought it was normal, and no matter where I went it would be the same.. Because in my experience every big bank was the same...
The small community bank I use now is awesome.. They treat me well.. They know my name when I walk into their branches.. The girls are friendly and flirty.. They are quick to 'not' fee me to death... If there is a problem, they 'handle it'... 'Pronto'..
In the big bank, I used to hear.. "Sorry, there's nothing we can do.. It's out of our hands.. It's the bank policy"
In my community bank I hear.. "Wow!.. well lets me see what we can do about that" They actually give a damn, and have the authority to 'make it better' on the spot...
For instance, here's how they're handling 'this' situation... I'm allowed to ring up $500 of overdraft on my debit card during off hours, and as long as I get in there before closing time the next business day, and deposit the money.. all is good.. That's perfect for me, because of some debts and tax liens, I don't want to keep money in my account, or else what little I put in there to pay bills, will possibly be levied... long story how I got here.. casualty of the economy and bad timing..
So, over the weekend, I make a purchase from B3 and Rockler on line... I'm about $250 overdrawn because of this... I go into the bank to deposit $260, and check my balance... I'm $430 overdrawn.. So starts my journey to find out I've been ripped off... The roclker order hadn't been debited yet, so that was another $215 bucks that was to come out... They tried and the card was denied (cuz now it's way over $500) when they tried to ship the order on monday.. So now I don't have the stuff I need for work late this week and early next...
The manager at the bank suggested that I hold onto my deposit, and just let the overdraft ride... They had me call aeromexico where the fraud purchases were made, and then they canceled the debit card and ordered a new one... They cashed my check so I could have some money to live on for the next few days while this got straightened out..
They said that once everything has been reversed and corrected, we can see what has actually gone through and been left, and then I can make my deposit to cover that.. They will waive any and all charges that might acrue as a result of overdrafts during this period...
They promised me that once we get through the period of inconvenience, they will make sure everything is like it never happened..
This bank doesn't make much off of me, yet they treat me like I am the most wealthy , most important customer they have...
Never gonna use the big corporate banks again... I've seen the light...