What happened to us seems about the same as everyone else reported on here. I only wish i had researched it a longtime ago...
We where charged several overdraft fees because the bank holds your money making it look like you have nothing in your account. For example we had several charges over a weekend. I balanced my book it said we had 380.00 in the account. There was a few weekend charges for bills i paid total=290.00. Making my account balance 110.00. Well we spent 3.79 here and 2.46 there and ate out 47.87 and they assessed us 93.00 in overdraft fees! We had a balance one day of 386 and got slammed with over 100.00 in overdraft fees.
They make it look like they are charging your account 2 time but they don't actually do that in the end... They HOLD the money over here, and charged it here 1 time but it makes your account look negative Since its on hold when they charge you... So they can assess a FEE.
I contacted the bank in Denver and they told me they would not take the fees off it was my fault. They further told me perhaps i need to learn how to balance my checkbook. I was actually screamed at and the associate told me the system was simple and i just did not get it. I have NEVER OVER-DRAFTED AN ACCOUNT IN MY LIFE (until i came to this bank)!
The next day i had a direct deposit post my account was positive 2015.00 and i got another overdraft fee for something on that day even though my account was positive... 1,000 on top of my deposit.
They just rip you off for overdraft fees. I still have my account online... This is hard to explain how they do this so my plans are to make a video of my account online to submit in a lawsuit. Who knows maybe one day someone will blow this out of the water and its going to be bigger then Enron. Someone at this bank is really doing something bad i hope the FEDS investigate this bank. Paper trails they cover good... But if they are smart the will open an account to track.
My hope is others read this and don't bank with them and get ripped off like i did. I also hope someone files a class action against them. They are doing illegal practices and committing fraud.
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