Associated Bank Reviews

The Associated Bank branch in Lake Geneva is staffed by inept personnel. Now for the second time in 2 years, the Branch Manager has failed to return a call following my in-person visit to see if AB could match Capital One's IRA rates. Once again, the Branch Manager has apparently forgot my request and now I'm up against a time window where I have to make a decision of where to move the monies. The first time this happened, I called the home office in Green Bay. Then all of a sudden, I get a call from the Manager stating she forgot my inquiry. Apparently, History does repeat itself! Capital one offers CD's with a 12 month deposit at 2.3% and there is no minimum!

In December 2018, a teller mistakenly credited my entire January payment to my escrow account. I was not entirely surprised as they have often seemed confused in the past as to where to apply my payment if it is during the grace period of the month before. I have been through hours of phone time, letter writing, and branch visits explaining the situation and following up to make sure this didn't show as a late payment.

I have a loan for $200K with $500K of real estate for security. On many occasions, I had the opportunity to sale a individual parcel. Associated Bank will not allow this this to occur until my loan is in "good standing". Words are everything- forget about attempting to deal with a real- experienced Banker- those days are long gone. I have past due real estate taxes, I just can't make payment BUT a sale would reduce my principal and pay ALL of MY taxes. AND yes, let's not forget about the 5% penalty for late mortgage payments. I will find another mortgage and break away from Associated. I will continue to spread the truth regarding this bank. Associated will not release anything- they love my monthly payment and I do feel they want me to fail.

My husband has had 2 accounts through Bank Mutual; one personal, one small business. We were happy with the bank until it became Associated. We began getting charged $18/month for the business account. The personal account started getting overdrafted because online it told us we have money available. We'd go spend whatever amount and then all of a sudden something else will appear that should've for through days ago and he'd be overdrafted!! We closed the personal account and just kept the business one after being overdrafted on multiple occasions.

We have had a mortgage with Associated for 1 year. Our taxes went down substantially due to a lower purchase price than assessed value. We were refunded quite a bit for the over collected excess escrow, then 2 months later our escrow was increased by $99/m. Not a big deal but it should not go up if rate is fixed, tax and insurance goes down/stays same. I asked them to recalculate the escrow and paid the regular monthly amount. We got several notices saying no payment had been received. Three times I went in to the branch, even wrote out a separate check for the $99 escrow they said I owed. Come to find out recently our credit was dinged because they reported us 30 days past due because of this. But no late fee, thanks Associated.

We banked through them 15 years. Had a mortgage with them and home equity line. Out of the blue they sent us a letter saying they were closing our checking account! We called and said they didn’t need to give a reason and were very rude any time we called with questions. Never again will I deal with a company like this and they now have lost good customers who never had overdrafts and bills paid on time!

In November 2016 I began communications with a loan officer to renew a commercial loan maturing on February 10, 2017. New loan documents were not provided to me until March 12, 2017, over a month after maturity of the loan, and included a prepayment penalty of 5%. Too late to find other financing. Despite requesting terms earlier, they were not provided. The Customer Care department to file a complaint is useless. Trying to get an email address or mailing address for the CEO is impossible. My experience with Associated Bank is that I was treated unethically. My father had two loans that resulted in the same during the same timeframe. Get a loan anywhere else!

My checking account should have been closed in October but never was. I just found out that my old job paid me a substantial amount of money and I cannot get all of it back. Because they did not follow through with their job I have incurred almost $150 in overdraft fees in which they will only refund half of. This is not the first time they have taken my money from me either!! Do not use them unless you want your money to disappear.

Associated Bank become my mortgage company after purchasing our loan. This bank has subpar online and app tools that make normal everyday banking easier and safer. Keep all of your records and copies of your payments, they are constantly losing or miss crediting payments in an attempt to charge late fees.

I was shocked and concerned to see the number of reviewers complaining about Associated Bank’s practice of charging numerous questionable fees. I refinanced my home with them a few years back and had no problems until this past September, when for some mysterious reason they failed to receive either my monthly mortgage payment or a payment I made to cover an escrow shortage, which I mailed to them in two separate envelopes and paid out of two separate bank accounts (and these two checks somehow were the only two checks I mailed in for bill payments that didn’t get to the intended target.)

Been dissatisfied with them since the Bank Mutual Merger this summer. $1 monthly account service fee is now $11/mo. They can't properly execute an electronic check costing me additional fees 2 out of the 2 times used. I execute a half a dozen withdrawals and deposit transactions a month so no real services performed. Having a physical location within three miles? Not useful as I work during all their limited banking hours. I use a proper investment broker so no need for that service. Do not have any debt either so no need for their loan department. I've switched to online Ally Bank which meets the requirements for a 21st century bank account user, charges zero fees for my simple transactions, requires zero minimum balance, AND pays me a small interest rate each month. Perfect fit for my needs and even better than Bank Mutual had been!

Well, this just never seems to end with this bank. I was the first customer with this bank when they came to our town in Elgin, IL & after many years they began to take advantage of me starting with my savings acct. & charging fees so I closed it. Then it was my credit card with them & their high APR so I closed it. Now they're screwing around with 1 of my 2 checking accounts & claiming that I suddenly after 2006 that I now have to pay a fee if I don't keep a $2,500 min. bal. Seriously? I've had these accts. for years & personal checking acct. as acct. #** & have never been told I need to keep a min. bal. after all these years & now suddenly have to pay a fee.

Not small business friendly. Since switch from Bank Mutual $15/mo fees for balances under $2500 x 2 accounts + $3/mo for paper statements x 2 accounts = $72 for two months, Ouch! Wouldn’t refund those fees for me either. Closed my account and went to free business accounts at Midwest One.

So I have been an Associated Bank customer since 2017. I have had this ongoing issue with the bank authorizing transactions when the funds aren’t currently available. I have recently moved out of the Wisconsin area and had just kept this account until I got a new bank set up. So my paychecks would clear and I'd withdraw the money and give it to my boyfriend for bills. I log into my account I have not used for almost 2 weeks and see I’m negative almost 200... How? I have not used this account.

We bought our condo many years ago and financed it through Associated Bank. Several times after posting the payment the automated system didn't apply anything to the Principal Amount. I called many times and never got a straight answer even from their managers. Because of that my mortgage barely goes down and this is what it looks like for the last month. It doesn't make any sense. They also increased the monthly amount without sending us a letter. If there are any lawyers out there who would like to start a class action lawsuit, please do! I guarantee that I am not the only one!

In January, 2018, I opened a checking account with Associated Bank. I chose Associate because there was a branch within two blocks from my home, which provided easy access to my account. I was also excited about being able to choose a MasterCard debit product that allowed me to support a local institution. Today, May 22, 2018, I received a certified letter from Associated Bank, notifying me that according to the terms of the deposit agreement, any Associated Bank account could be closed, at any time, without providing reason. Because of this stipulation within the deposit agreement, my account is going to be closed.

When their online payment system changed recently, when a user goes to pay the bills online they select the payee, payment amount and then it gives them the option to send the money. After you hit the send button it takes you to the next page, ideally at this page it should confirm but you get a blank page. If you are not aware that it is asking for a confirmation and you close the browser your payment is not sent.

I have used Associated since I was 15 years old, the past 7 years. I have opened a checking, savings, and two credit accounts through them. I have lived overseas for the past 3 years and trying to deal with online services is absolute hell. I have continuously had issues with direct debit payments and have time and time again been charged late fees because my direct debit fails to work. When I was recently back in America, I got everything sorted by going into a teller and resolving the issues with Associated and their credit company. I was told there will be absolutely no more issues with paying my credit cards off through my bank account. Less then a week after leaving the USA, I received notification that two cards had been cancelled because no payments had been made since November (the month it all started to stop working).

At issue is the auto setup feature with Bill Pay. If Associated has a business on file, they DO NOT show the address to the customer. This is alarming and just WRONG. How does the customer know for a fact that the bank has the correct address OR the address required by the business, which could be different than what is on file... Another POOR business practice by this bank.

Several years ago I took out a home equity line of credit when I purchased my home. At the time I was told that my loan would be a traditional loan and definitely not an interest only loan which I was very clear I did not want. I noticed over time that nothing seemed to be coming off of my principal, and I went to the bank and called to have this explained to me, and each time I was told it would take longer for me to see that happen, after paying off almost the full amount of the loan I realized that this was in fact an interest only loan and that I had been lied to.

02/26/2018 the online banking application was down over the weekend. When released it was full of bugs. Had to hold for customer service for more than 30 minutes. Duh!!! Why were they not fully staffed for such an event?

While applying here, they have do a 120 questionnaire with some of the most pointless drivel that there is. Thank you for wasting my time with an automated e-mail saying that I did not have experience. A company that is 3.3/5 doesn't deserve to have a questionnaire that long.

Spoke to "Mike" a member of the "management team". He wasn't willing to resolve the issue of completing or even looking at an insurance claim check I dropped off at their downtown Hudson location 3 weeks ago. The "Insurance Department" is holding our check to pay our contractor. First because they needed paperwork, now their saying the numbers don't match. Which the insurance company gave us $200 more for our claim. No one has ever contacted us. We have had to contact them each week, just to find out there is yet another a hang up with the check.

As a member since 2003 I found out TODAY that I've been being charged $11.00 a month since 2015, with no notification. I went to make a withdrawal as that was my "emergency fund" to find out it was a negative balance of $4.00. No help, just basically told, "we must have emailed you". I have just begun to share this with everyone, BBB, my senator, and everyone I come in contact with.

What I don't like about this bank is that they overdrawn when you never give them permission to. I'm on a fix income I can't afford be paying all those late fees and plus 7 dollars a days except weekends and holidays. So I'm trying to close my account. It look like I'm going have to find a lawyer to see if I can get this resolve.

I have had nothing but headaches with Associated Bank. They have been "pending" my transactions for 5 to 6 business days. Shouldn't take that long, then when they do send it thru they slap on the $11 service fee a month for just having the account and if you don't have the $ in there they overdraft you. I live directly across the street from the bank and it takes a week to get a notice in the mail to let you know you are overdrawn, by then they add more charges until you pay it. The order of my check card is different all the time. I can use my check card in the morning and they sometimes send it thru without pending then right after they will send thru a check card purchase at same place from 2 weeks before.

Absurd practices. Please avoid this bank at all costs, they will gouge you every chance possible to get OD fees. I am suspecting a class action lawsuit in their future and I'm reporting them to the BBB. Bank at your own risk, your money is safer in a tin can left on your porch overnight.

When I have tried to contact the bank to figure out what is going on, they have given me the typical "Sorry..." and then ended the call. Class action lawsuit would be welcomed because this is destroying people's lives slowly.

I would advise any customers of Associated Bank to post their overdraft fees to reflect how much this bank makes from its customers. In a month's time, I was charged $175.00 in overdraft fees. I am closing my account with them and I, in my current position of employment, have suggested our new customers to use the bank as it is local in Middleton, Wisconsin. Including the subpar app on mobile devices, do not... I repeat, DO NOT USE ASSOCIATED BANK AS YOUR FINANCIAL INSTITUTION, unless you simply want to give your money away.

All of my accounts with Associated Bank were closed after I inquired about the overdraft charges on my debit card. Associated Bank employees at the branch location on Snelling Avenue in Saint Paul, Minnesota supported the closure of my accounts by asserting that I engaged in misconduct at the bank. A fabrication. As an attorney, I am considering a class action lawsuit against Associated Bank. In 2013 Associated Bank settled a class action lawsuit by agreeing to change its debit card charging practices. I read the amended settlement agreement and settlement agreement signed by Associated Bank. The debit card practices used with my accounts in 2015-16 were the same practices Associated Bank agreed to change in 2013. My recommendation is to contact a law firm that does class action litigation and seek legal advice on how to recoup your losses and change Associated Bank's practices.

The last year, this bank will deposit checks between the hours of 11 pm and midnight, then overdrafting my account. When inquiring about these they state they don't timestamp their withdrawals. I live 45 mins away from the bank, if a check goes through I'll drive the 45 mins and deposit the money. But lately they deposit them at absurd times. One time I wrote a check at 5:45 pm, they tried saying the check went through the same night. Impossible, it was a private dentist. Awaiting the lawsuit!

Offer most things you would expect from a bank, but take absolutely any opportunity they can to pilfer money from your accounts. There is a hefty charge for nearly everything. I learned after making several withdraws from "no-fee" ATM's that Associated was actually charging me $4.00 to use a machine that's not theirs. Most banks that respect their customers reimburse them for ATM fees. But with Associated, if you want to withdraw from an ATM with a $4 fee, they will still charge you on top of that, making it an $8 fee just to withdraw money from your own account. What's worse, I just went in to have a cashier's check made out so I could make a down payment on a car. "That will be 8 dollars please." $8 to write a check!!! The deal fell through, so now I need to write a new check, so that's $16 dollars for a service that any respectable bank wouldn't think to charge its customers for.

I have had my checking account with Associated since 2001 and through the years the bank has just gotten worse. It does not value its customers but love to take their money in fees and then call it a "one time courtesy" if they refund one out of many. I wanted to close my account but couldn't because I was disputing a charge that the bank paid from an online scam. But during the time I wasn't using my account I was charged a fee for not having direct deposit and then ultimately they concluded the dispute and wanted the money back that they initially credited. But soon I will be able to close my account and be done with this bank and their terrible customer service and constant taking of people's money in fees.

We recently found our checking account to be over drafted by 1900.00. I have never even heard of such a thing. A few hundred I could understand but 1900.00 and not one notice to let us know and THEN Associated bank's corporate security team had the nerve to accuse my husband and I of committing fraud together. My husband has never broken a law in his life, much less bank fraud against an account that we regularly deposit at least 1500.00 in to every 2 weeks. Am I the only one who thinks this is insane? Here we sit completely broke with Associated Bank calling us crooks because they allowed a debit card to be activated and used unbeknownst to us. And then to make us feel like criminals on top of well BARRY at associated bank... Go ** yourself. We will call the police on your bank for allowing this to happen!

After 23 years of using Associated Bank, I will be gone soon. Some years ago they stopped allowing the local branches to contact customers with issues (branches just sell services and attempt to sign you up for more services) and moved communications to corporate. Now, customers will get 0 notification of issues until after they arise. 4 years ago I set up an electronic payment of 2.5 times the minimum amount requested to pay for a loan. The payments were scheduled 1 week early each month until Associated Bank cancelled the payments (money was in the account to cover it all) and did not attempt to notify me. Months went by and the first I learned of it was when an attorney sent a letter.

Unfortunately... that's the catch phrase of Associated Bank's customer service. They're at it again after they paid out a $13 million class action law suit in 2012-2013 for charging their loyal customers with countless overdraft fees. This is the way they do business. Go elsewhere.

Associated Bank has charged me thousands of dollars in overdraft fees and they have been fraudulently doing so. They closed my account without telling me because I told them this is exactly what they were doing and I am wondering who else they are doing this to? I am waiting for a class action lawsuit so I can join as this is the same thing Chase Bank was doing and had to return millions of dollars to their clients.

If I could give ZERO STARS, I would!!! I noticed an $11 service fee on my online statement. I don't look at this account too often as it is no longer my primary checking account. I opened the account in 1997 before I went to college and kept it open for sentimental reasons, I suppose. When I called in to speak to someone about the fees (which took forever since the IVR system never tells you how to get through to an actual person) and inquired about them, I was told about how I could avoid them and how it helps them maintain and service my account. I have not asked for any "service" in years nor have I even set foot in on of their branches!

I have had multiple instances where my card has been declined for no sensible reason. I call customer care and they say they are very sorry, but there is nothing they can do and I have had to get my card reprinted twice. I'm going to be switching banks very soon.

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?????????????????