Union Bank Of California
Can Banks Really get off with OVERDRAFT FEE RIPOFFS?

I don't understand how banks like Union Bank of California can get away with charging excessive overdraft fees. I understand that most banks operate in this fashion but I don't understand how consumers are left with no other alternatives but to bend over and take it.

It's difficult to even get to a Union Bank these days with the limited branches/ATMs they offer. I've been with Union Bank since 2000 and have normally not had the problem of overdraft fees since there was a Union Bank close by. They've closed off that branch and since then it's become increasingly difficult to find a branch near my home, there isn't even an branch or ATM in my city and I have to drive out of my way to reach one.

I was charged over 60.00 dollars for an overdraft of 5.00! That's just freaking insane. For the past month and a half it's totalled over 250.00 in fees. If I don't have sufficient funds in my account why don't they just reject the transaction? I've asked them to please stop covering my overdraft and just reject the transaction but they won't.

Union Bank holds on to my checks and doesn't deposit them running my account into the negative so they can pile on the overdraft fees as well.

Is there anything we can do? Are there any decent banking alternatives?

—ramzey

Company: Union Bank Of California
Country: USA
State: California
City: Orange
Phone: 8002384486
Site: www.uboc.com

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