I believe West Community Credit Union is purposefully using excessive deposit holds, and / or selectively holding deposits in order to collect overdraft fees.
I have noticed on many occasions that when my account balances were at the lower end of the spectrum, significant hold times are placed on my deposits (local checks). When my balances are high, little to no hold time is applied to deposits.
I would like to collect more information and present it to the Missouri Attorney General for further investigation. Please share your story if this has happened to you.
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