Associated Bank Reviews

I have been a loyal Associated Bank customer for over 20 years now and the deceitful practices they have incorporated are unbelievable. Even after they paid out 13 mil in the 2013 class action lawsuit regarding overdrafts, they have now just put a new twist on deceitful ways to collect money from customers. One of them is now charging monthly fees unless you keep a continual minimum checking balance. But on top of it, they don't physically put the service fee charge through until the 8th. However, they make it retroactive back to the 6th of the month so they can bounce your account and create overdrafts if anything went through between the 6th and the 8th.

I have been banking at Associated since they took over my bank when I was 16. I am 35 now. I just got a notice stating I would have to start paying an 11 dollars a month fee on Nov. 1st, unless I had monthly direct deposits of $500 dollars or more or kept a balance of $500.00 at all times. I am self-employed and so none of my deposits fit that criteria nor do I always have $500 in my account throughout the entire month. When I called to explain my situation the woman said "Oh sorry, I guess our checking options just don't fit you anymore". No suggestions on things I could do or willingness to brainstorm just "Oh I’m sorry". If this is how they have taken to treating long term customers I'm glad I'm closing my account with them and going to a credit union down the road.

I have been a loyal customer with Associated Bank for 20 yrs. Now they are adding unreasonable fees to my account. When I spoke to the Branch Mgr. they couldn't do everything for free & run a business. That's bologna. They got a lot of bail out money and now they're just as greedy as all the other big banks. I'm switching to a friendly local bank. Screw you Associated Bank.

We used Associated Bank to refinance our home and what we got was not a traditional mortgage but more like a consumer loan which has been fine up till we try to get a buy out amount for selling the property. In 2011 we had a buyer so there were appraisals done but the sale fell through. Currently we have a new buyer and are set to close in 30 days. When the "new system" came online in August there were late fees listed for almost $900. We called and they could not tell us what they were for, we have no late fees, penalties and our account is in good standing. Same fees showed up in September and now they are saying there are charges for the appraisals done in 2011.

Tired of all the fees, $11 a month for just having an account. Majority of ATMs don't fall under fee free. $35 overdraft fee for every transaction even if over by just pennies. Highest interest rates I've seen of all banks; can go to a Credit Union and get 1-2 percent lower. Basically if you don't want your money taken from you monthly, go somewhere else.

I have a son who is disabled yet works very hard at a local restaurant that was set up by DVR when he was in high school as a IEP plan. Associated Bank is charging him 140 for 4 checks less than ten dollars each. Yet paid a 200 check!!! This is on a student's acct. Let's try to get a class action suit? And I have been client for 32 years.

Ok, so I've used Associated Bank ever since they bought First Federal here in Wisconsin (years and years). Admittedly, I have in the past had some problems with cash flowing in and out in the correct way. However, for the past 2 years, I've gotten on track and haven't had a single overdraft. I've been a client even when they went through the lawsuit that they settled over the order in which things were debited from a personal checking account. You'd think that they would've amended their systems then, but recently, I had 3 checks come into the bank on the same day - not in any particular order or date as they were written days/weeks apart and the depositor just decided to put them through on the same day.

I manage my 89 year old mother's accounts at Associated Bank. A company somehow obtained her account number for her checking account. They made up a check with the bank's routing number and her account number on it. They electronically submitted the check without any signature and took $195 from her account. I disputed the charge months later when I realized there were 2 checks with the same check number. The bank took my call, sent me a dispute form that I had to sign and return within 10 days. I did this and they accepted the form. I called back 40 days later to ask about the progress. I was told it would take 30-60 days to resolve.

I would rather do all my banking and bill paying online. All of a sudden I can no longer login with Associated online. I get the message "Access Denied. You don't have permission to access "http://rolb.associatedbank.com/ABC/SignIn.aspx" on this server. Reference #**." I called them. Several times over the last week. In the mean time I realized that the problem is between my server, RoadRunner and the bank. Somebody changed some software and there is a big bad bug. I found this because I tried accessing with my Verizon tablet hotspot and was able to log in. This problem has nothing to do with my browser. I can access my other banks. I wish they would do something.

Ever since the Federal Government passed into law certain measures to ensure banks would protect American account holders from possible fraud by hackers, identity theft purveyors, etc., which was about a year or so ago, my Bank Associated Bank and their consumer protection Department have regularly month by month blocked my bank card from accepting random transactions after the 1st of the month when I usually get my Veterans Administration disability check automatically deposited into my account for my monthly well-being and expenses.

I have several mortgages for rental properties at Associated Bank. I do not have escrow accounts on them, as I pay my own insurance and taxes. I have given my insurance Dec page to them MANY times, and they still refuse to honor it. Today I received letters from them stating that the payments are going up by $3,305.55 per month per property! This is for escrow payments (I don't have escrow accounts!) for insurance that Associated Bank elected to "provide". I have insurance already through Farmers Insurance.

Had business accounts w/ Associated Bank for years, then one day get a letter that states the accounts will be closed. There was no reason given. I have been calling looking for a reason and all the people I've spoken to have said "Associated can close any account at any time". I am right now on hold for the last 14 min & 51 seconds and counting. It so unprofessional not to give a company a reason. I was told I couldn't open another account and I ask why and again wasn't given an answer. I guess if your a small business, you don't produce enough profit, they don't want to bother w/ you. I urge all people to bypass their company and use a small business bank or credit union.

Been with this bank for like 4 years, just recently I had to let my account close. They allowed me to use money that was already promised to a merchant. They then turned around and paid the merchant, So now I'm in debt somewhat because I can't afford to pay the bank back yet. Now this is something else on my credit report that I have to deal with to further improve my credit score. And as far as the customer service goes they weren't any help in trying to fix the issues. I was told to monitor my account more carefully. I still feel that they are wrong, if money is promised to a merchant they should not release it back into your account as available funds. It should be kept on hold until the merchant fulfills his end of the deal.

We just refinanced our home and the bank that now owns our mortgage is Associated Bank. I have always paid our mortgage payments online with every other mortgage company we've been with. I just received our first mortgage statement from Associated, and I went to their website to create an account so I could submit our first payment online. When it wouldn't let me create an account, I called Associated and was told that the only way I can make a mortgage payment online is if I had an active account with them (such as a checking account) that had enough money in it to pay the mortgage each month. I have absolutely NO desire to change my bank - especially to one I have never heard of and is not convenient for me. I am amazed that there is actually a mortgage company out there that will not accept online mortgage payments! It shows how unprofessional and ancient this bank must be. I will now be doing whatever I can to get out of this.

I signed up for text and email messages as well as check my account online every day because you just never know what is going to happen with this bank! I received a text message at 11:40 am on Sunday that I had overdrafted my account...Sunday!! I put 2 checks in Monday morning and they pulled the famous "holding funds until business claims them" trick and of course I overdraft again (even though I got no text or when I checked online it didn't say I was in the negative).

I made a deposit on Friday, September 26, 2014. I was told by the teller at the time I made the deposit, that $5,000 would be available Saturday, September 28, 2014. Later that day, Associated Bank called and informed me that a freeze was placed on my account and no funds would be available. I am now days into this mess, and Associated Bank will not release any of my money. Stay away from this bank. It has a terrible reputation which is well deserved.

I used this bank for my business account. Was a bank that would look out for the customer 10 years ago. Not so much anymore. I went through Associated Bank's Credit Card processing (First Data) for my small business. From the start, they charged fees that were not agreed to in our legal agreement. It went on for years with me talking to my Rep and they talking to First Data. Back and forth until it was up to enough money that I would not put up with it anymore. I went to a card reader on my tablet and have not had to worry about any of the fees that I was not supposed to be charged. I would suggest that anybody who is looking for Credit Card processing not deal with this company or any that use First Data. In this day and age, there is no reason to put up with this kind of theft.

I transferred money from this banking account to a different banking account. It took them 7 days to transfer the money. Two other banks transferred money into my new bank account. One took 3 days, the other took 2 days. This bank has gone from being a good bank to one that is trying to maximize profits by screwing over their customers. I will no longer use this bank for any services nor will I use their Associated Investments for stocks. Too many fees doesn't make it worth it.

I and my fiance opened an account because Associated has many branches and great hours due to the in store locations. But, I noticed when we made purchases they would show on the activity log as a pending purchase but the money would still show in the available balance instead of being put aside as pending funds. So, we're thinking our available balance are the funds we actually have to spend but in actuality the available balance also consists of the pending purchases that should've been set aside and not available to spend anymore. So the bank will allow you to think your available balance is what you actually have to spend when in reality the purchases that were already made and waiting for the merchant to collect are showing as okay to spend and available. Then when the merchant goes to collect the money associated will then take that money out of your available balance when the money was supposed to be set aside as pending funds for purchases. So they can then tell you that you did not have enough funds in your account to cover and then potentially charge you overdraft fees if you don't pay attention to your account.

Associated Bank has changed over the years and not to the better. But, they have been tolerable until recently. They have to be one of the worst banks out there with trying to maximize getting late fees. They accomplish this in so many different ways, it's hard to keep up. Recently they've changed the deadline by 2 hours without any notice given. The deadline for mortgage payment used to be 11:59PM of the last day it's due before a late fee is accessed. Now, I unknowingly called at 10:15 PM of the last day it was due and was told that I was late by 15 minutes and had to pay the late fee. What made this worse was that I actually tried paying the mortgage earlier than 10:00 PM via the phone first but failed to get a hold of anyone for over 15 minutes. I then tried paying online on their website and I was still unable to pay it because the site would bring up a blank page and not allow me to. So I tried calling again, by this time it was about 10:20 PM and finally got a hold of an operator that explained to me that I was late and now had to pay the late fee.

Where do I begin? I'll stick to one of the issues here. First of all, I work for my money, so when I give you, AB, my paycheck, I'm just there to change in this stupid piece of paper check for actual earnings. I'm forced to be paid with a check instead of cash, and so I'm forced to use a bank. That's some sort of incredibly immoral entrapment right there. But then, you have to use the ATM five times per month or you get some sort of $12 fee from the bank. What? What is this, a game? Now I have to play Chutes and Ladders every week to get my whole check? I never use checkbooks because I just want my money in my hand and checkbooks complicate that more. So I view my balance on my account on the ATM every single time I'm about to make a purchase. So let's say there is $70 and I spend $63 of it plus the $2.50 ATM fee plus the other $2.00 ATM fee, so that's $67.50. Alright. Great.

I was reconciling my account when I saw that there is a $15 dollar fee. I should not be getting that fee as I am maintaining well over the minimum balance required to avoid this fee. I can see why my 2 friends are considering moving away from this bank. They have to call every month to get erroneous fees removed. I have left a call in for my banker but she I feel that she really has no control over how fees are automatically added. I also hate leaving so much money in a non interest bearing checking account. If this happens again, I am closing my business accounts at this bank.

Increased the minimum required to avoid monthly fee on business checking without notifying me via email, their message center, or snail mail. The local banker at my local branch is pretty efficient, effective, and nice so was able to reverse the fee after getting permission from above. I am not the only person this has happened to. It has happened to several of my business friends (Believe it or not, us business people talk to each other about the banks we like and dislike. With the particular business we are in we deal with a lot of banks). Also why does my personal banker need to ask permission from some nameless person? It seems that policies come down from above to infuriate their customers and the local branch people have to take the brunt of it. No wonder they get burnt out.

This is the worst bank I have ever dealt with. They’re liars. Endless paperwork and fees for every service. Associated Bank is nothing but slimy used car salesmen and ambulance chasers only out to screw you. Examples: I went to a local branch to pay mortgage; they could not provide a receipt. I wanted to obtain loan pay-off balance; I was told there was a fee to do this. I pursued loan modification. I sent paperwork in July but no response until October; then they requested more paperwork, and then they blamed me for holding up the process. They charged over $500 in fees without my consent or knowledge for pursuing loan modification. And then I was told that when you submit the paperwork, you agree to their terms.

Unauthorized billing - then no action by bank as promised: I am not looking for a "refund" at this point because this "insurance" was crammed down my throat for 7 months. And I already told them that since I wasn't getting a full refund, I intend to use the insurance because since the last unauthorized billing I need the insurance and they never canceled it in March or August! This isn't the first time with issues regarding Associated Bank. Previously, my statements were sent to an address in MN without my knowledge or consent (ID theft/fraud) and I had to have the account stopped and start a new account. Then, I got "double-billed" one day from Celtic Insurance (over-drafting my mortgage payment) and now I had this crook posing as a reputable ASPCA Pet Insurance attacking my account without authorization for six months (no receipt via mail/email, no policy, no welcome packet with insurance card, no receipt “confirmation of payment” and ironically when I searched my statement on May 2012, the payment deductions weren't even on "my" statement, yet it was deducted from my account!).

My husband and I opened an account with Associated last year. We received our debt cards and checks with my last name spelled wrong. My husband's name was right. We have the same last name! I went back to the bank and reordered with the correct spellings. We were charged for the checks again. After complaining for a week, they did give us our money back. Two months ago we moved, so I went to the bank to order new checks with our current address. I received the checks and paid four bills. The checks weren't clearing after two weeks. I finally noticed that our savings account was off by $401. The new checks had our savings account number on them instead of the checking account number. Again, back to the bank.

After dealing with this nightmare over the last few days, I don't know if I have the energy to retell the situation in detail. The long and short of it is that I would suggest being very wary about taking out a home loan with AB, especially for first time home buyers unfamiliar with the process. I was supposed to close in 4 days from today and have found out at the last minute that my loan is not ready. None of the statements made on the AB website about first time home buying and home mortgage loans were true in my case. I received little to no help from my lender and now I cannot move into my new house. My apartment lease is ending and I have nowhere to live once my lease ends.

They offered little help after we were turned down for modification. Our mortgage went into foreclosure. I had lost my full time job and we were living on my wife's salary supporting three kids. We ended up divorced!

I walked across the street from my job to use the ATM at associated bank. The ATM charged me $4 fee to use the ATM as I am not an Associated Bank member. I think that it is absolutely ridiculous and should be prohibited. I believe that because the bank is right downtown and across the street from many government buildings, they charge that amount intentionally.

They ran a promo for a Packers checking account. Now, they won't send my Aaron Rodgers bobblehead. I promised it to my autistic nephew and he's been waiting for it. They said "you have to keep the account open for 60 days, then we send it". Okay, plausible. It's been nearly 4 months. Now they say they are gone and they just keep trying to find any excuse that I'm not eligible. **, merry ** Christmas. I'm moving my account to the local credit union.

I just need to vent after reading other complaints. My husband and I took out a loan for a boat. The bank was close to our work, so I would always just go during lunch and pay it. We are since divorced (4 years), and per the divorce decree, the boat is mine. I had a special checking account just for this payment, to setup ACH with, so I wouldn't have to go out during lunch. I have ADD, and most of my payments are on auto-pay for this reason. I directly deposited only what the payment needed per paycheck with a little cushion.

I was invited by a savings counselor to open a Visa Credit Card account. She told me that I would receive 3% in rewards for every dollar I spent on groceries and gas. In fact, here is the offer right off of their website today: "Associated Bank Credit Cards. Talk about a rewarding relationship. You and Associated Bank. Sign up for the Associated Bank Visa Signature Rewards Credit Card* today and you could soon be rewarding yourself with every purchase, every day!"

I was levied by the IRS (my fault though I was never told by the IRS or my bank that this had happened) and then the bank took a $100 "legal fee" for processing the levy. However, they never informed me of this fee, even though the law firm I work for is across the street from them and I had been their customer for over 2 years. In response to the $100, my account was overdrawn and I was charged an additional $315 in overdraft charges. Then, as I was paying it off, I received a call from their collection company but did not get the woman's name who agreed I could have until July 28, 2010 to pay the remaining balance.

The bank decided to take out the largest amount of debts made on 1/29 first, which left me paying overdraft fees on three transactions made the same day which would have been covered if they would have taken the lowest debt first. If they would have done this, I would have only paid one overdraft fee instead of three. The bank loaned me 51.06 to cover the outstanding payments and charged me 100% interest, which came to 100.06 on the 51.06 loan they gave me to cover my overdraft fees. I am a college student and this kind of trickery set me back on my bills.

I checked my online account to see how much money I had, only to find I had $1 left. I made a decision to go to the ATM and overdraft $40 for gas and such for the next 3 days and pay the one overdraft fee for it. On my account, there were a few other transactions still pending from the weekend. I didn't think anything of this since they had all been done before the ATM withdrawal. The next day, I look at my account only to find that all of those transactions including the ATM withdrawal had been posted, but the ATM one came out first. So I was charged for nine overdraft charges instead of one because of Associated Bank's policy that the largest amounts are debited before the lower amounts.

paid down $10,000 in June of 2005 in addition to our regularly deducted payment, and then had our regular house payment deducted from our account in July of 2005.

I've had a visa though assoc.bank for at least 3yrs.I always pay on time.For at least a year I've been paying online.Without any notice they made changes so I couln't access my info online.I emailed cust. serv.,never did get a reply so I mailed the payment & it was 3 days late.I've been penalized over $100 in late fees, interest charges etc.& they raised my APR from 12.24% to 29.24%.I'm furious!!!!!Is this loansharking legal?I wonder how many other people they screwd this month with their unannounced website changes?????????????????