I am a boat/aircraft detailer and work out of town and get paid when my work is finished. I switched to Bank Independent because they are opened until 8:00P.M. Which gives me the extra time I need to make deposits. I've been banking there a little over a year. The first problem I had was a $100.00 dollar error on a night deposit they informed me one month later about. Sometimes I may have 1-3 seperate deposit slips and usually deposit cash. They claimed the error was that on my deposit slip the amount was $180.00 and they entered $280.00. Well if the error had been caught within a few days, I would have still had all my receipts but a month later, I had thrown them away. I showed that I had an extra deposit on my written records but since I had no proof then of course they kept the $100.00.
Everyone knows, banks make billions on overdraft fees. If I don't make it by 8:00 then I know I have to pay if checks come through and funds are not there. But one incident cost me dearly. I wrote a check to someone that was leaving town and it wasn't suppose to be deposited until two days later. The older couple accidently deposited it which caused my account to be overdrawn $700.00. I was covered by the od protection, I called Bank Independent and explained what happened as soon as they opened. I was out of town but would have the money before 8:00P.M. I was told that they would hold it but the branch manager decided to send it back since the overdraft charges would put it over my od protection limit. No one even bothered to call me to say they couldn't keep their promise. I made my deposit as I promised and didn't know until the next day what had happened and because of this, it ended up costing me over $1,500.00 extra dollars. Then with no notice at all, they canceled my od protection and my debit card. I couldn't change banks right away due to insurance drafts that would be comming out etc.
When all was straighted out, I didn't use the account very much, had no od fees etc. Then I noticed a problem on the online acct.info. I checked my acct. On Saturday, it showed I had a balance and two checks cleared. Monday I went to make deposit for any other checks that I had out. Then I was charged 3 od fees for pending charges. The teller was even puzzled. She called customer service and they replied that they had came through Friday and paid them already. Then Tuesday, when I looked at the acct. Again, the amounts were switched around. Everybody knows the highest are ran through first but it showed 3 small checks before the 2 that had already been paid according to Saturday's info.
Same crap the next weekend. I spoke with SEVEN different people at 2 banks and 2 other people in customer service. Each one told me something different and evendently wrong each time. I decided "enough!" I just wanted to pay what I owed and close the acct. Yesterday I spoke with the branch mgr. She admitted that I wouldn't be able to see all checks that would come through or pending, so even if it shows I have a balance and make deposits by 8:00pm even on pending amounts, I still get charged. I only found out yesterday that she sees what's there even though customers can't see online. Then at 9:00A.M. She can pay/return them even if it shows pending. She already knew 2 drafts were comming out-I ask could she just return them and I'd pay the existing fees plus extra to cover 3 small checks still out. She had no problem doing that. I made the deposit, glad it would soon be over then GUESS WHAT! This morning I have a negative balance because 1 of the drafts went through since there was extra money in the account. When I called she said it was automatically paid by computer. Since it didn't come to her desk-she had no way of stopping it.
I have NEVER had problems like this at any other bank EVER! Unless you like getting screwed over by people like this, DON'T USE BANK INDEPENDENT.
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