National City charges you NSF fees every chance they get. I had a dispute regarding an unauthorized check being used on my account, and since I had other items pending on my account, they paid the fraudulent check and charged me over 12 NSF fees on my smaller items pending. Even though I won the dispute with the fraudulent check, they still would not refund me all of the NSF fees. But not only do they charge you $34 for NSF, but they also charge a $6.00 fee for continuous NSF fees.
Another reason National City sucks, you never know how much it will charge you when you use other ATM's. So you might use another banks ATM and withdraw money out of your account, and have only a few dollars left in your account, then National City will charge you sometimes up to $3.50 for using another ATM. If you don't have that money in your account, you get charged a $34 NSF fee on top of that!
I have a free checking account with National City because I have direct deposit through my job. I tried to open a savings account so that I can link it to my checking in case I overdraw, but they said that I would have to pay a monthly fee for that! That is ridiculous.
To date, I have been charged over 20 NSF fees. Recently there was an error on my account, due to a bank error, and they bank representative said that they would not refund me my NSF fees because I had so many. I don't see why that would be a reason for not being refunded for bank errors, and it's not like they have refunded me any of the past fees.
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