Being an ex employee to FCB I can personally relate to all the rip offs and trying to come up with an excuse as to why the charges occurred! I never really understood why "the system" charged you the way it did but I did my best to explain it and hoped it stuck!
I also hoped that my half ass explainations would not come back to bite me in the a*! Well, *karma baby*! I do not know what has happened since I have left the beloved FCB I have noticed that $50 went MIA out of my account. I coughed that up to being that I did not closely monitor my transactions like I used to or just human error. However, just today infact I went to check my balance and I am now roughly $40 in 2 different accts coincedently almost the same amount in both accounts leads me to believe I was charged 2 fees!!!
The point is I do not want anyone to suffer anymore because of the greedy FCB!
*please read the following!!! *
-they have account quotas that MUST be met each mo! So watch out when doing your shopping they do aisle prospecting to catch you!
-accts are NOT FREE! There is usually some type of reqmt you must meet each mo or min bal! Even the "power or campus" checking accts are NOT FREE!
-the NSF fees are extremely high! They go up at least every year around july/aug
-level 3 emps and up can refund fees! Asst mgrs and mgrs can refd 3. Any more would be from the district mgr.
*if you become really neg ask if they can at least meet you half way! Or 75% a sad story usually helps! Ask high then come down when negotiating!
-BAD CREDIT? If thats why you're stuck at this blood sucking bank. Try a local credit union! Most of the time they can open up a FREE savings acct where you can have your direct deposit go into and take it out. While clearing up your credit and using cash! Its better than messing w / fcb!
Lastly, fcb is a 2nd chance bank or even just a 2nd bank u use for small transactions! No matter how appealing it may sound its just like a check n go! Cash your check & go!
Hope this helps
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