I brought a check to my bank, and did not have even close to the amount in my account to cover the check, that was cashed by the bank, the money was sent western union to a person who asked for a favor. I thought nothing of it until the bank was charging me fees, overdrafts and completly blaming me for my account being messed up. The person I sent the money western union put a stop payment on the very check I cashed. I had no idea this check was from a online ck service. The only thing I knew is that I had been ripped off. While in the customer service cubicle of my bank. The customer service rep stated "this should have never been cashed". According to the banks own policys. A out of state check will not be cashed if there are insufficent funds in the account to cover the check. The customer is allowed $100. It does not state that the bank will cash the check regardless of what is in your account after you are a customer for 90 days, a year, or any other length of time. Which is some of the lame ecuses I got from my bank. If my bank did follow it's own policy. The only thing I would have got was a overdraft.instead of being out $1741 overdraft and other fees. The policy is taped to the drive up window, and placed in various places of the bank. The bank denies any wrong doing, or any mistakes made on their part. Why then do they even have policies if they are not going to use them, and where do we go if we can't trust our bank to do the right thing.
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