First I will say that I have had my account with US Bank for 1.5 years and never overdrew my account. I made my deposit on a Saturday.Us Bank lets you have $100.00 of your deposit for immediate use. I made 6 very small purchases totaling $60.00. These should have been paid. I made the mistake of paying my Comcast bill on Sunday (the bank didn't release the balance of my deposit until Tuesday) for $150.00... This WAS my mistake, however, when these hit the bank they paid Comcast first so that they could charge me $35.00 for each transaction. These charges totaled $245.00. My grandson and I live below poverty level... This lost is devastating for us. I called the bank and they would credit me back only $80.00. When I E-mailed the main office and they told me that it is their right to post largest to smallest and yet they claim that they are not doing it in the banks interest... MY BUTT!!! If they were a moral business they would not do it that way. The proper way would be to post smallest to largest. I will be changing banks as soon as I get my next check. I urge everyone to avoid US Bank and transfer your accounts to another bank before this happens to you.
Also, that policy of holding the rest of the deposit until the next morning is bunk because that still doesn't give them time to find out if the check you deposited is good... That takes at least a week. There is absolutely NO reason for them to hold your money overnight.
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