I recently went into the red. I was notified by email that my account balance was only $15. I received an overdraft fee of $35, which was actually my own fault for not paying close enough attention. On the 19th my paycheck was automatically deposited, as well as my husbands. I balanced my checkbook (this was a Friday). Saturday, I went to work, no phone alerts. I went online to balance my checkbook again from purchases made, and there was another overdraft charge put in for the 19th that wasn't there. Not only that, but 2 more withdrawls were added and it seems they just pushed back my deposits to make it seem like they were made later in the day. How shady is that. I have had this happen before and when you call for help they act like I have no idea how to balance my checkbook and "sorry, there is nothing we can do once those charges are put onto your account."
Last Christmas, my husband went shopping with the debit card (which is a wonderful way for them to steal money from you legally). He was unaware that it was large bill week so we only had about $100 in our account at the time, and he spent well over that. They let every one of his transactions go through, with a $35 fee for each as an insufficent funds fee as well as a $35 overlimit fee. We ended up having to return a large number of christmas gifts, I was so sick I returned everything that anyone got me just to cover the $460 in fees!!! When I called and asked why my card was never declined they said they will let it go for a day waiting to see if a deposit is made. What the heck does that mean. Once again I got "sorry, but there's nothing I can do once the charges are added to your account".
I hate them, and I tell everyone I know not to use them, because I believe that they were founded by Billy the Kid!!
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