On July 15 i saw that my account was going to go be overdrawn so i want to the drive-up teller and deposited the money into my account. I put in cash not a check.
I check it also online and the money was instantly showed up there in my available balance so im thinking im safe. Well guess again the the bank held my deposit and let the check post which gave me an overdraft.
I called to questioned why did you held my cash deposit and cleared the check to gave me an overdraft charge of 37.50 for 1.65. When i put in ten dollars to make sure that the check cleared.
They told me should've got there before 4pm and so what the teller was still open at 5pm, 5pm started a new day i ask how when you back date checks
that come in at 4am to the prev. Day. Noone had an answer for that one
Hell one time i had one check that was back dated so i could get charge for six overdraft fees for using my check card, they release the money from those transaction and payed the check and overdrafted me for each item that was payed out three days ago.
Bottom line stay away from firstmerit they are ripoffs for sure and in these hard times i need every penny
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