This bank calls itself First Convenience Bank. The only thing they conveniently do is juggle your transactions to maximize their overdraft charge potential. I know being fiscally responsible is "our" job but living paycheck to paycheck is a struggle to say the least. Every once in awhile, we make mistakes. My wife will go grocery shopping a go a little over budget. If our account is close, this would normally incur you one overdraft charge.
I have monitored my account closely, making daily screenshots and printouts of my deposit and POS charges. With this bank, I have seen posted POS sales sit for days on end without making it to the post column. According to the bank, my "available" balance is still good up until the time when it notices one charge that will cause you to go over your balance. It is at this time that they will bring your one latest charge (most recent) and "post" it which will overdraw your "available" balance causing a single overdraft fee. This fee then puts your account way in the red and ALL OF A SUDDEN, all the "pending" transactions that were still pending for days, comes "POSTING" in and they continue to charge overdraft fees for the remaining pending charges!
I have fought with this bank and fought with them and they argue by throwing some charges at you and telling me that what I'm seeing is not the way it happened. BS! I'll pull up my ledger and see that I'm in the black, I'll see an overdraft fee for an item that was paid but still leaves me in the black and they argue the overdraft fee didn't fall there. WHAT?! How can I still be in the black and get an overdraft fee.
DO NOT BANK AT THIS ESTABLISHMENT if you value your dollar.
This bank will be your worst nightmare.
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