I have recently been replenishing my personal and business checking account with more money then I make. I put in $238 on Wednesday and it had not cleared yet on Thursday. I was told that they needed to verify the funds. Please keep in mind that $200 was cash. I used my debit card, not realizing they needed to verify the cash amount and was charged with a $170 overdraft fee.
I also placed over $600 in my business account. As of Saturday, I was informed that I only had $300 and change in the account due to overdraft charges.
I have never had this many problems with one bank. I'm usually very good at keeping my accounts uptodate and having a good "record' book, however even my record states that I have money in the account - I receive an overdraft notice from 5/3, It seems to me that they are robbing me of my money and without using a gun.
Also, if find out if I want to pull my money from my business account (checking and savings) it will cost me $50 each to do so. No one told me about this - however I was told I needed to place $50 in the accounts to start them.
I want my hard earned money back. What do I have to do. I have spoken with people at the bank - no go, I have contacted FDIC no response yet.
I can't be the only one having these problems, every time I go into the bank, someone is in there arguing about their overdraft fees, money missing from account, etc.
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