Armed Forces Bank Reviews

Say what? What kind of service is this from my bank? Like dude, no I don't want your number. He gives me it anyways. >.> he's like totally call me. Umm yeah sure man. Then he starts asking all these personal questions about our work and what we do (They can see our employer info) so I sideswipe the question and only say what I do for work but not anything specific. Then he starts reading off all my personal info kinda as if he is memorizing it or something. I'm telling you, this conversation was way off. It's hard to explain it in text. I was so freaked out at the violation of privacy that I just got off the phone as fast as possible. This is a very surreal situation for us. He knows all of our personal info, probably better than us, and yeah... Not good. What kind of bank allows this to happen to it's "valued" customers. I am appalled.

They will list preauthorization's 20 to 30 times so as to confuse you and take your money anyway even if you have disputed the charges before they were paid for. They hire untrained and uneducated people to handle the phone, making customer service a joke. They cancelled my account in the middle of the month once because I told them that if they didn't fix my issue (which was black and white) I was going to cancel my account. They cancelled it without my knowledge making any/all checks I wrote after that overdrafts. One was for my mortgage!

Recently I let my grandson use my debit card to buy an online computer game card. The company they dealt with was so corrupt that they charged me a membership fee (every month for two months until I caught it) and then charged me a return fee when they (begrudgingly) reimbursed his original charge. I finally stopped my DFAS retirement check from going to them and will cancel on the 1st of Nov so they don't have the fun and luxury of retribution by closing my account in the middle of the month. They are hostile to say the least and as far as bank loans go FORGET ABOUT it... They offer a 70% home loan! Gee you do the OU come up with the 30% they won't cover. Done with them and happy to never have to deal with or hear from them again.

The money got put into this account from me being on SAD orders when I was activated to go to Texas and help with the relief. Their customer service was absolutely horrible and every single time I spoke to someone it was ALWAYS a different story as to why they charged me all these crazy fees. Please whatever you do stay AWAY from this company! They're absolutely horrible and offered little to no resolve for my issues. They either wanted me to open another account with them, or wait 10-14 business days to get my check (from my SAD orders from being activated)... Please stay far away from this company as possible!!!

So they cost me $800. Several times their app said I had money in my account and the next day I had overdraft fees. I called to order checks. I requested no address be put on the checks. After trying to order the checks 2 times they were sent... with an address on them. I called and requested they didn't accept any deposits into my account after I received an email stating money was going to be sent to my account. I didn't want the money to be deposited because it was a scam. Even though I called them they allowed the money to be deposited. The last thing, I have had my bank account compromised several times. They have not caught it once. I caught it looking at my mobile app. I don't know why they ask for all of my contact information every time I call them. They will never call you. They will let someone empty your account. Please do yourself a favor and get an account with USAA.

Almost one year (closed Feb 2016) later and I still never received the check. When I called about it back in November 2016 they put me on hold for 30 minutes and then came back saying they weren’t sure what happened but they would have a manager call me the same day. Once again AF Bank's customer service speaks for itself. Next time you want to block a customer’s card for suspected fraud at least call them up and notify them. Even an automatic text or email would suffice.

They assured me that they would call me back. Guess what, the bank closes in 10 minutes, no callback and the funds have not been released into my account yet. When I deposited my check I was told I had money in the bank already that matched my calculations, as soon as I deposited the check all of a sudden those funds were not available making my account overdrawn, subsequently I am now overdrawn. All totaled I was on the phone for well over an hour today trying to get MY money. AVOID THIS BANK. Very poor customer service and no follow through.

I recently deposited two checks from well known mortgage companies. The checks were less than two thousand dollars. They are holding the checks for twelve days. They could easily verify the checks way sooner than that, but they will not. It may seem convenient to use this bank because it's located on the Air Base or Army Post, but take my advice and avoid it like the plague!

About three weeks later, I hadn't received the paperwork so I called again to ask for it. I was told that my birth date was incorrect and I could not get into my account without the correct birth date. Being that I got married and not born on a different day, I asked to speak to the manager. The manager told me the same thing, my birth date was not the same in my file as what I said. I asked when it had been changed. She gave me the date that I called and requested it be changed, the day that I asked for my last name be changed. I asked how to fix it, she told me that I had to go into my local branch and bring my photo ID that had my birth date on it as proof. Totally reasonable, except that I had provided no documentation to have it changed in the first place and the "local" branch was a seven hour drive away.

So, I decided it wasn't worth it, and I would just move on without changing my last name. It really wasn't worth the drive to me. So I carried on with my maiden name on my card. UNTIL. I attempted to use my card to buy groceries. My card was declined. There was more than 3000 over what my bill was, so I was thoroughly confused. I went over to the ATM, put my card and PIN in and was given an error message to the effect of "not authorized user" and would not display anything.

With a full cart of groceries and a fussy baby I called the bank and dealt with a very crass, rude woman who flat out said my card was shut off because I should have switched to the new chip card I received months ago. The problem being that I had never received it. Upon further investigation I had never received it because they had never sent it. I then asked for a new card to be sent to me ASAP. I mean, it's nearly impossible to survive without a debit card. The man I spoke with at this point, the manager, was very nice and said he would have it rushed to me and apologized for the inconvenience.

Apparently, I am naive, because I truly thought my issues with the bank were over. Ha. Nope. Two weeks later I still hadn't received the card. I called again and was told I needed to log in to order a new card. Awesome. On the right track again! Until, I couldn't log in without knowing the DOB on my account. Still don't have a new card. Cool. Closing the account as soon as my direct deposit gets switched over. TLDR; Terrible bank, Terrible customer service. Not worth hassle.

The number wasn't the same number I had arrived at after deducting outstanding checks. THEN I was told that there was a $20 fee deducted for sending the wire. If I had been told that up front, or even asked how I wanted the transaction handled, I wouldn't have had a wire sent. I would have simply written a check to zero out the account and then closed it. When I told this to the teller at my local bank she explained that there would also be a $15 charge to receive the wire, but under the circumstances she waived that fee. I was surprised that after so many years as a customer, once I was a widow, I was being taken advantage of in such a shoddy manner. I believe my husband would also have been deeply disappointed and would have agreed with my decision to sever the relationship. I will not hesitate to tell all my military friends, active duty and retired, about this experience.

You cannot be charged more than $125 per day in overdraft fees per day, so anyone who claims to have been charged a higher amount is lying. You can Opt-out of the overdraft option when you open the account, which means you do not authorize the bank to pay any of your debit card transactions that would cause your account to go into the negative. I read a post where someone claimed the bank Opted the IN for this option... nope. Not possible, they have to have your permission legally, which is always documented. If you agreed to it, you agreed to pay the overdraft fees. If you are worried about this, ASK QUESTIONS! Set up your online banking and actually keep track of your account. It's that simple.

I saw a review stating they had placed someone's loan in the wrong account, her daughter's account... The wrong account number was on the loan documents... which she had to sign. Folks, this means she didn't verify that all the info on the documents was correct before she signed. Adulting 101, read before you sign. She then stated that her daughter's debit card had magically been lost/stolen the night before and within 24 hours someone used all the funds. I'm calling BS. Her daughter used those funds, I'm almost willing to bet my left leg on it.

I see people state their accounts have been "hacked." No, that's not how it works, your actually bank account has not been hacked. It's either your debit card has been compromised or your account and routing number has been. Most of the time it's the debit card and when that is comprised it has nothing to do with the Bank's security at all. When debit cards get hacked it's because you've either used it online on a scam site, or a store you've shopped at recently has had THEIR system hacked, meaning the hacker got you from that company, not the bank.

Furthermore, when fraud happens, guess who ends up swallowing that cost in the long run? The bank!! When you file a dispute for an unauthorized transaction and you get your money back, 99% of the time the bank has put that money back into your account from their own pocket! This means they don't want you to experience fraud just as much as you don't want to because it's a huge loss for them!

And fyi, your personal information is not at risk when you experience debit card fraud, it's just your actually card number, which can be turned off and then a new card number is issued for your replacement card. Your date of birth, ssn, address, and other personal, identifiable information has not been shared, therefore it is not possible that you "experience identity theft" as a result of fraudulent transactions with your card. If you've ever truly experienced identity theft, that means someone has that info and is opening account using your identity and applying for lines of credit as you, and to protect yourself from that, get actual identity protection which monitors your personal information and alerts you when it is being used for such applications.

Now, when it comes to their call-center for customer service, I have to agree there is room for improvement. It is frustrating to wait on hold only to be connected to someone who has no clue what they are doing or who is rude to you. I have zero tolerance for anyone who works a customer service job who is rude to customers. However, if even half these people are as ignorant as the sound in these reviews, I am willing to bet they started the call out by being rude themselves. I've worked in customer service, and I am extremely good at my job and give excellent service, but when I am getting yelled at, cussed out, or if the customer isn't even allowing me the opportunity to assist them because they are too intent on venting to me about things I have no control over, they do not get the best service from me. I will tell them how it really is, in a professional way.

Some of these reviews state there are no options for deposits... yes there are. Many in fact. Some of these reviews address procedures that are exactly the same at other institutions because all banks have to follow regulations. Sorry, but it's part of life. Overall I gave this bank 3 stars, which means I am satisfied. I would give it more stars, but this bank could use some improvement on training new associates to know what they are doing before they have contact with the customers, and the hold time is not convenient for anyone, especially military customer who might get stationed overseas.

For anyone actually considering banking with Armed Forces, my advice would be to thoroughly read through your documents so you understand your account, set up your online banking and text-alerts, enroll in e-statements to avoid the $3 paper statement fee and stop reading these reviews from people who clearly don't know what they are talking about. Armed Forces was actually named the 2015 Bank of the Year for each branch of service by the Association of Military Banks of America (AMBA), so ask yourself how that is possible if they are so horrible. Perhaps these reviews are just being written by people who don't understand banking or businesses, or people that do not take responsibility for their own actions (or lack thereof), or that do not read things before they sign them, or cannot simply learn how to ask questions if there is something they don't understand.

My daughter's card had been lost the night before and someone had stolen the money off her card within 24 hrs. Now we are filing a claim against the bank and to start an investigation immediately. I am so displeased with this bank I cannot even find the words to express my feelings. This is the most horrible bank I have ever been a part of. They treat you like you're nothing and you're not important. I am taking this issue as far as I can!

I'm a little frustrated at this point. He then tries to hurry me off the phone and I wasn't okay with that. He says he's putting me on hold for a supervisor to pull the call. I'm on hold for a good bit. He comes back on the line and says he has informed a supervisor and action will be taken. I asked what's up with my funds. He says there is still a hold and no one can fix anything about it. He then transfers me to another person who is of no assistance. I request to speak to a supervisor. She gets on the phone with no help at all. Says there is a 5 day hold. So let's do math. Well today is Monday. 5 business days including today is Fri. Why do I have to wait till the 15th? This bank is a mess. I've been with them for years and I won't stay any longer. I'm not upset about the hold. I'm upset with incompetent reps and no incentive for lying to me.

Then we needed debit cards. The representative said that the full org name wouldn't fit on the paperwork, so she randomly wanted to remove one word from the name. I explained to her that it MADE NO SENSE and would COMPLETELY change the name of the organization and told her how to shorten it. She still went with her method and faxed me paperwork I had to manually correct. They are very behind the times. They want everything faxed. Even an application for online banking!! Seems ridiculous. You get free checking BUT NOT WORTH IT. Go elsewhere. Spend the money for better customer service. I've spent countless hours on the phone with them dealing with issues and screw-ups.

So we press "0" a hundred times... sit on hold for 20 minutes to speak with someone. I tell her right away "he is standing with me and I'm trying to help him resolve this issue he's having with his card..." Her response "call back because this is considered a 3rd party call." I tell her we have been on hold forever and he was right here willing to speak with her about his account... again refused to talk to us. Ok... so we hang up.

He calls back, we go through the waiting, the automated system waiting some more... He finally get another person on the phone, explains his problem, verifies name/address/dob/ssn/card number/PIN and because he doesn't recall the last transaction on his account they will not help him. So what does a person do??Can't access your account, card is broke, can't get customer service to help you, no local bank to walk into and provide ID and card... So now he just has an account sitting there getting charged fees that he can't access?? WORST BANK EVER!

First, I stopped by my local branch (only the third time we have actually lived by one since 2001) I was informed that I had to do it online by a woman who was rude and obviously annoyed I interrupted all the sitting she was doing. I go home, attempt to do it online where I learn that no, I actually I can't do it online, I have to call. I call. After being on hold for an hour (hey, places get busy. It happens.) I was told I needed to fill out forms they would email me, scan them, submit them and then I would need to call back. For real.

I fill out the forms, scan them call back and sit on hold for another HOUR. You know, because we all got time like that. They can't find the email. I resend with them on the phone after verifying the email address again. They say it'll take up to 24 hours. I would have loved to have known that before I sat on hold for another hour but whatever. Now I am an easy three hours into trying to send my grandmother some cash.

Fast forward to the next day where I call back and sit on hold for surprise! Another hour. Is this a thing they do? Like a standard they set? Who knows. Anyway, they can't process my request yet because someone hasn't verified something on their end. Ha! Of course they can't. I tell them it's cool, I gotta go and I set out looking for my closest Western Union. To my surprise it is in, literally in and ran by, Armed Forces Bank. Thanks for the heads up super annoyed bank teller lady. You rock. Luckily, Western Union now does bank transfers so I didn't have to make my 86-year-old grandma drive around trying to find a location for pick up. So at least there is that.

We are in the process of switching everything over to USAA. If you're thinking of opening account, go elsewhere. There are better services and better customer service at other banks. The poor people manning the lines are pleasant enough but you can only work with your employers give you and if you are understaffed and not trained, this is the nonsense you end up with. My advice? Shop around.

Last week I'd called the bank to find out just what amount they needed to cover the fees for returned checks and automatic deductions they'd kept adding to my account since they hadn't read the "to close account" notation on a check sent them on April 2 for the remaining balance (per their end of March statement). A check for the amount they said would bring the account to zero and allow closing it was sent on May 3. They said they hadn't received it as of this morning, but when I called back 3 hours later it had appeared. But I still couldn't close the account, because it had to be posted and was told the only way to close the account was to call back again. And no they couldn't just put a note on the account.

Why must everything be done by snail mail, why does it take unconscionable amounts of time to get to a live person (let alone the long wait on hold if the person who first answers has to consult a supervisor), and why can't a person correspond by e-mail? I cannot believe the unnecessary hassle and time wasting practices. There is no way I would have stayed with them over 50 years had I known how poor the service would be when you need it.

This bank is that hard up for money they are siphoning off of people's accounts for products no one wants and in other cases, no reason at all. I don't want this bank mailing their trash to my house that I have to shred. I hate clutter and paperwork everywhere for no reason. I don't even try to resolve it anymore because I plan on closing the account very soon. Just avoid it to begin with. Oh and by the way if you have to call, be prepared to burn up ALL of your minutes sitting on hold. You will sit forever before someone answers your call.

Most of the time, they are unable to do this online (no surprise, what bank would let a stranger view account holder info?), upon which they actually try to CALL that bank on the phone! If they have a phone number, that is, which is never the case for an out-of-state bank. So then the teller has to wait for manager approval. Then your deposit is "pending" for ten days. You can deposit a check every week, and it's the same thing every time. Both the phone and online "customer service" pretty much don't work at all, and customer service reps can't tell you anything without manager approval. I recently found a couple of nearby stores (national chains) with signs at the registers saying they don't accept Academy Bank checks.

Here it is two weeks ago and I have been told every day that he will be on there the next day. He still isn't. We decide we don't want to deal with them (unfortunately I've banked through them for four years) and are going to get an account locally. Well I applied at a local bank and they tell me that I'm in ChexSystems from Armed Forces Bank!!! How?!? So I call them again and after several stupid apologies they say they will update and take me out. I applied to another bank again a few days ago and nope I'm still in there. They have the dumbest people servicing a bank that services military personnel and they need to be shut down. Everything is just completely all wrong with them but I can't bank elsewhere until they remove me!!! STAY AWAY FROM THIS BANK! You will have high blood pressure!

So now I have to wait even longer to unfreeze my account and every time I call on the phone to get my account sorted out I have to wait 2+ hours. I would do this all online but every time I type in my information on the online website I am told all my info is wrong including my account number which is printed out on my bank statement. I am so frustrated with this mess having to call them every other day. I am going to be closing my account down within the next week. If you want reliable service I do not recommend this bank.

Well after almost 30 minutes a lady was telling me that they changed their policy like 3 weeks ago. So instead of same day transactions they would now take up to 6 days. I told her I didn't get that information, which going thru all my emails. There was nothing from Armed Forces other than statements. I asked her, "so you're telling I have to wait 6 days now before my account will be back in the positive and in the meantime you're going to keep charging overdraft fees," during that time and she said YES. That's not a good answer and that was the last straw with this bank, I'm done. But within the past couple days I have been trying to close my account. This has not been an easy process. Finally after 2 days of headaches I was finally able to close the account.

Since I had a balance to pay I had to go there in person to close it out. They don't accept payments over the phone. Ok, No big deal. Today I drive over 30 miles to Norfolk, Va branch, and boy I can't get on base to get to the bank. So off to pass an I.d. to get a visitor pass. No such luck. I'm a civilian now and to get on that base I need a sponsor. Well that ain't going to happen. I don't know anyone in Norfolk, VA. So again back on the phone waiting for over 30 min. The lady was very nice and I told her my situation. She put me on hold again, a very lengthy hold, came back on and said "well you can mail in a money order and go from there."

Then she said if I had another bank I could do a wire transfer. She said once I get to my other bank to call armed forces back, let them know I'm doing a wire transfer and to ask to get put through to a specialist. I said "thanks that means another 20 some minutes on hold," so I hung up. I get to my other bank and called before I was even at the bank and was still waiting over 20 min then got thru to a person, told them about the wire transfer and to transfer me to a specialist. That was another very long hold for a little bit of info.

So I was informed Armed Forces will charge 10.00 to receive the wire transfer, ok fine. All I want to do is get this over with and to close the account. So the other bank charged 25 to send it. Armed Forces charged 10 to get it. Finally it went thru. The Armed Forces is at a zero balance. Perfect now I can close it so back on the phone around 25 min on hold. Finally get ahold of a guy and he starts the closing process, but wait his computer is having issues, he needs a technician so back on hold. I go for another almost 20 min. Someone else picks up and I have to go thru all the info all over again and I told her "look I just want to close out my account and be done with this bank and to not get put on hold again until after everything is processed and finished." Thank you, thank you. Finally it was all done and finished and now after 2 days I am finished with Armed Forces Bank.

I know there maybe better banks, but I don't like banks in general, so the one that has treated me best (this one) gets my vote. If you have poor banking practices as I had in the past, no bank is going to make you happy. AFB, (mine started at AFBCA< got absorbed, I guess), has been an overall plus experience for me, and I would recommend them, based on my up and down experience with them, remembering they came to my aid when needed.

The collections department rep had very little knowledge of how their products even work, gave me several false answers, and was rude. He finally transferred me to his supervisor, Katherine, where the level of accountability is even worse. I asked her to please send me a copy of the statement, or anything showing where they tried to notify me about the overdraft and what it was for. I gave her my email address, she repeated it to me, and that was the conclusion of that phone call. Five hours later the email still had not made it to my inbox or junk mail, so I called the 1-800 number again, waited the 30+ minutes on hold, only to reach customer service who couldn't reach anyone in collections. This call concluded with the rep telling me that someone would contact me by noon the following day.

The next day I wasn't contacted by anyone, so I had to call them. Reaching yet another rep with the same attitude as the day before, again I was transferred to Katherine who refused to accept responsibility for sending documents, with my social security number written all throughout 6 pages, to an incorrect email address! I then became angry with how evasive she was being and refusing to answer any of my questions, instead in an indignant tone she told me to "look at the documents because they should've arrived in my email inbox by now". I finally asked to speak to her manager. You'd think that this situation would get addressed, all the information I was requesting would be answered and steps towards a solution would begin upon talking to the manager; instead the exact opposite happened.

I was transferred to Tom, who appears to be the rot at the top that feeds into the training of poor customer service that his staff inevitably has. He was exceptionally condescending, refused to directly answer specific questions I asked, at one point he began mocking my wife who was listening in trying to help me figure out what was going on. I turned the call over to my wife and from there Tom's attitude and demeanor became worse. He stopped listening to her, and admitted he'd not listened to a word she'd said. Then he refused to answer any of her questions about how the written off balance had been cleared from CheckSystems at some point but then placed back on, out of nowhere, and was why we were now finally calling them.

Both Tom and Katherine could relay the alleged day and time that "a notice" was sent off the overdrafted account, however neither could tell either myself or my wife in what form, email, mail, phone call, etc that it was relayed. Tom went so far as to tell us that banks aren't required to notify customers of an overdraft and it's a courtesy that they do. His sole focus, as he stated, was only to collect the funds that Armed Forces Bank is claiming I owe them. My wife told him that without concrete proof, we weren't just going to hand over any money on basically blind faith because they claim it's what I owe them. Tom's attitude got even worse, almost childlike; so my wife finally hung up on him no closer to any solution whatsoever.

I get that, being in the collection's department, they probably hear and see all kinds of stories from people that literally don't care about running up fees and having their accounts shut down; but when someone calls for an issue that is almost 2 years old, trying to find out as much information as they can to fix it, it's unlikely that the person falls into the category they've ultimately tried placing me in. I'm currently active duty military and my chain of command would've been notified about the negative balance, if they'd actually made any effort to notify me as they claim they did. Since then, I have opened a secondary checking account with another institution and I've purchased a home. Not at any point in the last 9 months, when I've done those 2 things, has this negative, forcibly closed, account come up. Yet now it is and there appears to be no end in sight.

Went to check my savings where I have my payment go through and they only paid off $5.35 of a $180 balance. Called up to find out what was going on and they said because I didn't use it enough (pretty sure using $180 in one month is using it enough, but whatever), they paid off the minimum balance and rolled the rest over to the next month (so they could rack up interest that they don't get if it's paid in full, I'm not as dumb as they think I am.). After chewing them out for breach of contract as a full payment every month was exactly what I sat in their damn branch and signed up for, not payments when it is convenient for them whenever they want however they want, they kept trying to tell me in a real slow ** voice like I was dumb and couldn't comprehend what they were saying how their credit payment department bills now.

I was forwarded to their credit department and they tried to tell me it always was like this which is complete **, I've had this account 3 years and check at least twice a month, more often than that, I'm pretty damn sure I have it figured out by now. So after getting off the phone it looks like they aren't honoring their contract with me and are only going to do full authorized automatic payments is if I max the card out in a 15 day window. The only way to avoid this is to call every month and do the payment by phone, they don't honor their automatic payment contract to the letter anymore. If they don't honor their contracts then what use are they as a bank?

Also had a little issue with my debit and credit cards a little over a year ago and again at the beginning of this year where my debit and credit card were both cancelled and new ones sent to me that took almost 3 months to arrive with no explanation as to why they did it until 2 months after they cancelled my cards - the credit card systems at two of the stores I had shipped had been hacked.

I understand canceling my cards, but that is one hell of a ridiculously long wait for an answer, and a ridiculously long wait for new cards especially since only one card had been compromised but they cancelled both and I was left high and dry with no access to my money. I could pay my bills online, but food is a different matter. I had to beg my sister for money just to put food on the table for my kid and I. So tired of a bank that is so ** to its customers. Researching new banks now.

I took 500 and transferred to another account because I was suppose to get paid same day. The 500 was taken out within the hour. When I realized that someone messed up in my payroll department and we were issued paper checks I sent the money back from other account. They denied it once and charged me a 25 dollar return fee and then turned around and accepted it the second time. So why deny at all and why charge me 25 dollars? Also to return the 500 that came out within the hour it took 5 days for them to get it back. Soon as the next week starts I changing all my direct deposits and shutting this account down.

I filled out an investigation claim with my bank. I don't know if I'll get the money back, but I hope so. This is VERY scary because I don't know if I can trust a check to be mailed anymore. What if I sent my own paper check with my account no. on it? And if the bank does not replace my money I'll be very unhappy. I hope this person can be found and caught, but there are no guarantees. And I wonder how secure banking is if they do not cover my check. If this person who signed the check is a real name, has an account at Armed Forces Bank, this bank should be able to identify the person I would imagine, but how this check was even cashed considering that most checks do not have the recipient’s address (which isn't on the map by the way) on the front of the check. Usually only the sender’s address is on the front, but maybe there are exceptions?

Then I moved to the Gulf Coast, which meant I had to bank long distance. True, I could have cancelled my account and opened a local one, but anyone who has banked at an institution for any length of time knows what a headache this can be, what with direct deposits, automatic withdrawals, tax/IRS records in the system having that account on file--the whole nine yards. So I kept it. I remarried and it became my secondary checking account so I didn't always give it a lot of thought, but still used it. And I am so, so sorry. They have charged me so many dollars in overcharge fees I am embarrassed to admit it.

Here is how they do it: Let's say you have, oh--$500.00 in your account. You have an automatic deposit coming in from the government on 10/22. It's deposited on 10/22, because you checked to be sure. On 10/23 you transfer $600 of the now $800 to another checking account at another bank, and pay a couple of other bills. You STILL HAVE MONEY LEFT IN THE ACCOUNT, because you started, on 10/23, with $800 in the account. Then you are surprised to find that one of the creditors that you paid out of that account is angry because the payment didn't go through for non-sufficient funds. On top of that, they charge you $25 for overdraft fees. They do this by simply rearranging the dates of when these transactions have occurred, all to suit themselves and makes themselves more money. How this can possibly be legal is beyond me. Please do yourself and your family a favor and stay away.

My complaints are: They sat on their collective butts for three years before notifying me of any problems. There should have been no activity to that account since I had told them to close it. I had to call their collection line multiple times just to get them to pick up. Their main line still requires an exorbitant amount of waiting time. They insult me by even thinking I would consider reopening the account with them that I told them to close three years ago, with the experience I had the first time around which was poor and made me angry then. Due to my past experience with them, I also do not expect them to follow up with anyone.