Wow. I felt like I was the only one. My experience is similar to Grace's. My statement showed I had a balance in my checking account, yet I was slammed with a total of 5 overdraft charges at $30 each. I went to my branch in my hometown and was told the reason was their policy of holding deposits, which was effective Nov.
So even though I had made the same deposit every day for years, it had to be held to make sure it was good. I asked the teller how much I would have to deposit to avoid further charges and was told the amount. I put in a little bit more just to be on the safe side. I went home and returned within 10 minutes and went through the drive-thru teller and was told it would be posted immediately.
Well, I was charged 2 more overdraft charges. I should have gone to my branch and complained, but I was so upset I chose to do it through email. What a mistake. They did nothing for me except keep referring me to their policy. When I went in to close my account, I was asked why and told them. The gentleman was very nice and tried to reverse the charges but was unable to, due to being "locked out" from the head office. His manager said she would reverse the charges if I kept my account with them, but I had already opened another one with another bank and am very, very happy with them. Thank you for posting this information. It is very helpful.
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