I have been banking with Southtrust for over 4 years. I had a problem last week 2/3 where I made a "cash" deposit but since it was after 2PM it did not show up in the "Birmingham Office" so I had to checks that they charged me NSF $30 a check.
So, I called the Bank explaining what happend and that I have never done this before, and the lady I spoke with, Sorry I can't refund this back into your account. So, I was upset. I went to see her and have her expain to me why she could not do this and of course she was on a conference call. When I returned to work she called me and said I am sorry but because of the "balance you hold I can not refund this money, I could send it to Birmingham but they would reject it b/c of the balance you keep." She also stated that I should "not be writing bad checks" "that it is illegal." I explained to her they were not bad checks because I made the "cash" deposit and it did not show up. But the balance was available for me to use with my check card.
Now, does that make alot of sense? It would not cover my checks, but it was available for me to use with my check card. So, my husband got to looking at the statement and they had put all "large" bills through first and then the "small" bills (I believe another major bank got in trouble for this already). If the small bills would have hit first I would only had one check for NSF but instead Southtrust caused me two. The money was there, but because the deposit was not made prior to 2PM it did not show up. The funny thing to me CASH is CASH whether I make a deposit at 2PM or at 4:59PM. It should have showed up.
So needless to say I am waiting on a response from the "Branch Manager." I was not satisfied at all with customer service. Customer Service is about the "Customer and Satisfaction."
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