I've been banking with First Convenience for about two years now, and today I have finally suffered the last indignity I will tolerate from them.
I do most things online, including my banking. First Convenience Bank has internet banking, but it's become very clear that this service is, if not intentionally designed to cause NSF fees, certainly allowed to continue to serve this function.
On a Saturday morning, I log in and see that I have just shy of three hundred dollars remaining in my account. Saturday evening, a letter comes in the mail informing me that I have an NSF charge.
I immediately check my account and find that I not only have a negative balance of four hundred dollars, including three hundred in NSF charge, but I also have thirteen charges still pending that are going to incur $35 in NSF charges, each, before all is said and done.
A call to customer service and three moves up the 'management' chain later, I find myself speaking to someone who might claim English as her third language, if that, who informs me that her only option is to give me their ever-so-special high-high-high interest Fresh Start loan, never mind the fact that these charges are all based upon an online service that does not report an amount even vaguely close to what is actually in your account.
Or perhaps they just took the money, for all I know. At this point, I'm just going to have to accept a hit on my credit and move to another bank. One which is capable of accurately tracking what I have in my account.
This is actually the third time that an error in their balance reporting has caused me a great deal of financial difficulty. I'm just not so concerned with my credit these days, if I'm going to otherwise be forced into poverty yet again.
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