I've been banking for decades and have NEVER seen such shoddy banking practices as what I discovered last night. I used to be with TierOne, but when they were failing, I moved most of the money in my account to another bank but left about $180 in TierOne to keep the account open. When TierOne closed, I automatically became a Great Western Bank customer.
Last night I got a notice that my account was overdrawn. They didn't even bother to attach a copy of the check — I had to go online to find it. The check was for $30, written back in March when it was still TierOne! When a check is over 6 months old, the bank has the right to refuse to accept it. But Great Western, knowing that this check would overdraw my account, still cashed it and charged me $33 in overdraft fees.
But this still didnt explain why I was overdrawn when I should have had enough money to cover this check. I went back through my statements and discovered that in October, Great Western had debited my account $150 for SOMEONE ELSES check! Their account number is just 1 digit off from mine.
CAN YOU BELIEVE IT?!! I wont be a Great Western customer much longer.
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