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As a former employee of a national bank, I quickly learned that banks are all about profits and much of those profits come from fees. Unless the fee is determined to be a "bank error," it won't be refunded in most instances. The idea that banks are only protecting themselves from account abuses, is just a way of rationalizing outrageous and unethical bank fees and practices and is usually propagated by someone who works for a bank. Banks could easily protect themselves by denying the transactions in the first place. Yes, people need to be responsible, but when people aren't or make a mistake, that's no excuse to rip them off to the extreme. I left the banking business as a result of these unethical practices and suggest that more people take advantage of the superior services offered by the non-profit credit unions and their extensive free ATM network.
By Dennis
