Like many of you I'm sick & tired of pleading with banks and their unfair practices.

So I have a question: What would cost the bank the most money...


a) returning $30.00+ in imorally gotten fees or...

b) $1,000's in window relacements that have been mysteriously busted after hours?

Not advocating such actions, but was just curious at the idea???

NEED HELP PLEASE!!! This past thursday i went to a restaurant/sportsbar and purchased a couple of drinks and desert. The total was 12.00 (includiing tip) I had my debit card placed on hold (which makes me wonder about the establishment holding a certain amount on the card BS which was not explained to me by the waitress and I was not aware) They took a flat charge of 50.00 bucks out my account!!! Which caused me not to cover the 2 charges I made after we left. (Gas/micellaneous) Wachovia turns around and hits me with 5 overdraft charges totalling 175 bucks! Its like I got hit for penalties for the purchases i made that night plus a couple of days before from the bills I paid (that only comes off hold until today so it gets caught in the mix) I went back and forth with the bank they only gave me a half of it back and told me that it was just a COURTESY. They also said that there are only two types of refunds, bank error or courtesy. Well I dont think this is courtesy, its either an error on somebody else's part or ROBBERY!! Help!!

I have two accounts with Bank of America.I am currently unemployed and have been for 1 year 3 months so every penny counts. I had two auto pays, one on a credit account, the other mortgage
they are both with B of A. I called and cancelled both of them well before the date to pay was due. Well, the associates in both areas failed to cancel and it caused over $800 in ovedrafts. It was a nightmare trying to get them to reverse all of the fees. It took me two weeks and a bank mgr. to have it corrected. As a result of all of this, it caused $300 in overdraft fees on my other account. I have been working trying to get these fees reversed for a week now. So far, they tell me no. I am having a mgr. work on this one for me. I had the funds to cover all the pending items but then an insurance payment came through, they paid it and caused all the other pending items to be overdrawn. Also, as a result of the fiasco on my other account, I could not make a money transfer to prevent this. Their practices in my opinion are illegal, but they still get away with it. I now don't keep much money in the account. I pay all my bills with a money order instead of paying online. They are ripping us off and I think it is time that they are brought to court and face the music.

Since WAMU was bought by Chase I have been hit hard with overdraft fees, even after checking my account every day and not seeing any potential for an overdraft. The bank waits to clear my deposit (even auto deposits from work) until after I am "overdrawn" because of the delay. does anyone know a fair bank in the Houston TX area?

As Amber reported in May, WACHOVIA just informed me that the $245 they charged us for NSF happened because they put through the largest amounts first "because they assume those are the most important." This is exactly what the bank told me.

Living on the low dollar amount we've been forced to with my husband's new job (thankful he even has one), we nickel and dime everything to make sure we don't get hit. Over the weekend, we worked our way down from what we had knowing that at the end of it all, we had under $2 in our account. But we had groceries for our family, and a tank of gas. Not getting paid until that following Friday, we knew we'd go into OD when we knowlingly took out $60 for gas. That would be the only NSF charge. However, being that the other charges were made over the weekend (so the bank didn't immediately deduct them even though our minds knew it was gone), they hit us with the $60 first, which was the last thing we took out causing the OD, and in turn, that left us without enough to pay the things we had nickel and dimed to make it all work out.

The sick thing? We're busting our rump to make this all work believing we're being taught new lessons in spending, and just to have the banks implement these DISHONEST tactics and have us lose money that was supposed to carry us for the next two weeks....oh, and be so gracious as to let me know "it's the way it's been done (largest amount out first) for 15 years, and we can replace 20%...does that help???"


A BIG FAT NO!!! We're burying our money in the backyard...what's this world coming to? Seriously???

Sad that you have to use these tactics and wear your nice suits just to be able to feed your own families. Can we come to YOUR house for dinner?

Over the past few years I have been charged over $3000.00 in NSF Charges for the same practice. I did not know about the class action suit was wondering if to late to join.

After having problems with a major bank, I switched to a local credit union. I recently made four purchases using my debit card. According to their online banking website, two other purchases had already cleared, as well as a deposit. I had enough money to clear all of the purchases. The next morning I looked at the website again. It now showed the first two purchases and the deposit as "pending". The four newer purchases had cleared, causing four NSF charges. Later that day, the other two purchases caused NSF charges. The next day the deposit cleared. (the deposit was cash, made in the bank) This caused me over $450 in fees and is still unresolved.

Banker Steve: Speaking as a recovering banker, I have to say that your arguments are pathetic. I left your occupation because of the sick "logic" you guys purvey. Using typical banker's logic, you say that it is the victim's fault he was ripped off because he failed to protect himself adequately against your predations.

You charge $25 and up for NSF check returns, despite the fact that the cost to the bank runs around 55 cents. Sure, it is irresponsible for people to allow checks to bounce and/or overdraw their accounts. But the bank's behavior is legalized thievery. Your smug attitude that it is the fault of the robbed, not the robber, is disgusting.

The whole history of bankers, beginning with goldsmiths who loaned out gold they were entrusted to keep and protect, has been a long chain of dishonest practices that were eventually legitimized by corrupted legislatures. Today is no different.

I agree that people should exercise proper care over their deposits, if only to protect themselves from pickpockets like you.

From what I've read here, it seems as if everyone just tossed the brochures that were given to them to read regarding their accounts at their bank. Do we honestly live in a society where not a single person is a grown up and takes responsibility for their actions? Most people would turn around and walk out of a bank if they read the deposit account agreement that is given to them before they sign on the line to open it up. YOU are responsible for your account. Why is it the bank's fault if you spend more money than you actually have? As for the line about Clark thinking a bank should at the very least inform you of these things.......they do. But who wants to read words in a brochure and who wants to keep track of things by writing them down....that just makes too much sense. I guess these are the same people that have these insane mortgages because of the "evil" banks. These people failed epically once again to take a second and read....that is all we ask, for you to read the things we give to you. I really wish that everyone would grow up about overdraft fees and these mean banks that are preying on people. I've made mistakes in the past and have received a few of these charges myself. Do I feel like I'm being ripped off? No, because I read everything that was given to me and I understand that if I make a mistake, I'm held responsible like an adult should be. It is like speeding, being pulled over, and getting a ticket. Do you honestly think the judge is going to believe you when you say, "No one ever TOLD me that I would have to pay a fine for speeding." That is right. No one at the DMV ever TELLS a person that is getting their driver's license that they shouldn't speed because they will have to pay a fine. They give you a booklet of the laws of the road and expect you to be an adult and read it and ask questions if you have any. I think it’s funny that people will spend more time complaining about overdraft fees than actually trying to self educating and educating others on how to be responsible. An entire thread with nothing but people complaining that it’s outrageous for a bank to charge such high fees. I find it outrageous that you people run blindly into the real world always expecting there to be someone there to forgive you of some wrongdoing that you created yourself. I guess a good portion of you have tasted what the real world is about, through these fees. It’s about responsibility. Quite frankly, I'm scared. Mainly because most of the people that have posted things about "evil" banks, have children.

Good Day!

I switched to a credit union last week after banking with Suntrust for almost 10 years. Never again will I EVER bank with any type of big bank. While we are struggling and making it day and punished with paying outrageous over drafting fees and all the other fine print fees, the Bank CEOs' are living it up at our expense. I refuse to give them another dime!

I thought my credit would prevent me from getting in a credit union but to my surprise they only wanted to see if I had a negative balance with any other banks.

Bank of America changes the order of debit charges to your account. They charge the larger amounts first hoping that the smaller amounts will post NSF; thereby charging fees for each smaller transaction

I have banked with Regions for years. Thats going to change! Regions used to let you make deposits at an ATM, now they have stoped that. So, I was in a hurry the other day and droped my deposit in the night deposit at 8:30 am on a friday. Thinking that my funds would post that night. WRONG! Regions says any deposits made after 8:00 am are not even processed until the next business day! They charged me 2 overdraft fees, and caused a great deal of problems for me. You would think that you make a deposit before the bank opens and they would process it that day, but I guess not, Thats too simple! They have gotten fat and happy and are looking for ANY TECHNICALITY TO RIP US OFF! i WORK FROM 7 AM TILL 7PM, where are we supposed to make a deposit? It's like we are b eing punished for NOT coming into the bank! But thats ok, they have got me for the last time! Dont let Regions get you too!

Being a student and going through a divorce led to 17 overdraft charges on my Bank of America check card. I ended up with $595.00 in overdraft fees so now I'm just closing out my account and using a credit union. Since most of the charges were at fast food most were around 3 to 4 dollars. Now I have just decided to bag brown my lunch and stop eating out as a way of protesting this mess. Even though this is expensive and painful I will come out ahead by eating healthier, losing weight and supporting credit unions.
I urge all Americans to drop the bank and use credit unions.

Regions Bank, charge me $875.00 in NSF fees in one week, they put an electronic deposit on pending status to rack up small debit charges. After 3 days the bank did it again with a cash deposit.

I'm tired of banks justifying these obscene charges. I get frustrated but at the same time, feel bad for the poor tellers and branch managers who don't always know or care how stupid they sound sometimes TRYING to explain their banks reasoning to you.

I keep a check register, and recently overdrafted because a christmas gift from my grandmother was returned... it was incorrectly dated. I didnt find this out until it was too late (i.e. after the over draft when I received the check in the mail) I overdrafted 3X because of that. I deposited MORE THAN ENOUGH CASH to cover the over drafts and any additional charges that had not hit the bank. We were charged over draft fees 6 more times. Literally, my account was at a positive balance near $100 and THEN it went into 6 overdraft charges, and THEN into the actual purchases. Because (sarcasm) we all know debits are always taken from the account first, even if they come AFTER a cash deposit the same day, because that's the right way to do business... (end sarcasm).

I'm going to do what I should've done a long time ago and open an account at a local credit union!

Wachovia holds payroll checks for 1 - 3 days before considering them as a credit. The bank immediately cashes checks against your account and hopes for an overdraft to happen while they hold your deposit. Regions took my cash deposit and listed it as "pending". During this time they pay checks written against this deposit. The next day, the cash deposit disappears - not pending and not credit - just gone. All checks comming to the bank might incur an overdraft. On the third or fourth day, the cash deposit reappears as a credit. Here's another example. If you deposit a payroll check and immediately decide you want some back in cash - you can't have it for three days! But, if you cash your payroll check and then make a deposit from your cash - you're OK. Seems dishonest to me but Regions says their new little green sign in the bank lobby makes everything legal.

I wrote a check and post dated it for the following day and asked the guy to whom I wrote the check to wait until the next day to cash the check(This was about 3p.m.). I went to Walmart (around noon, a few hours prior to writing the check) and made a $3.27 debit purchase. When I got home I checked my balance and the transaction from Walmart had cleared. The next day, the check had been posted (the guy went directly to the bank and cashed the check, urgh! Anyways, back to my story. Bank of America posted the check prior to my $3.27 transaction throwing my account into overdraft and charging me two overdraft fees instead of the one I should have incurred. When I contacted the bank, they told me they pay higher to lower debits. I told them I understood that, but the transaction for $3.27 had already been posted to my account before the check had even hit the bank. They also told me that post dating a check was useless because it was a legal document and the bank could cash it when they wanted. If it is a legal document, isn't is good for the date in which it is written? Anways, just wanted to give my two cents worth. I think it is wrong they switched the check and the $3.27 transaction therefore having me have two overdraft fees. The transaction from Walmart had cleared then they did the old swith-a-roo to get another overdraft fee. Bad Business!

my wife had an account with woodforest bank that had been charged off. she had a small payroll check in the amount of 199.48 that she wanted to cash at woodforest bank(husband has account at same bank) to make a long story short the bank kept her check because as they put it it all has to be applied to recovery

My daughter made some checks out to pay bills it turns out she has been in an over draft for about 2 weeks and everytime she called her back they never told her and the amount being said was not the correct now she has over 200 dollars in over draft fees the bank refuses to work with her before this she never had a problem

We had an excellant rapport with our Georgia State bank. We knew every minute what we had and did not have in our account. They have sold to RBC bank. In the last 4 weeks they have bounced every single transaction that has passed through thier bank resulting in close to $200 in overdraft and re-entry fees.We were not perfect at our old bank with maybe 1 bounced check a year, but this is ridiculous! PEOPLE BEWARE! We are not the only ones they are doing this to, we personally know 8 people that have left this bank for them doing this to them. They are holding checks, holding deposits etc. DO NOT USE RBC BANK!