Complaint Review: Fifth Third Bank - Florence Kentucky

Steve, as a customer who lives in the Tri State area as you do, we all knew for several days about the big snow coming. Which gave you ample time to make it to the branch and deposit money to your account.Everything was closed, malls, banks,schools, buisnesses and we was warned about it coming.But within 24 hours most people was out and about due to snow plows.All banks put thru the highest first, that is how they make their money. People now just simply blame their banks for their own mistakes.Banks has been charging fees for years and years when you write checks on money that is not there..Have you ever heard of Check 21? Where checks can be sent thru electronically and can be taken from the account almost immediatley.Please read the terms that was given to you when you opened your account or ask a teller or manager.Also read those signs that is plastered all over the walls about deposits, withdraws,fees, etc. They can be very informative.

First off, you are mad because the bank was closed due to the weather. Working at a bank, I know this is a very rare occurance and only happens if driving home in that weather would be very dangerous for the employees. It's incredibly inconsiderate to expect bank employees to risk their safety so you have time to cover your bad checks. The basic solution for any of these banking issues is to keep a check register. You are an adult, you know the terms and conditions when you open up an account. Banking is a business, when you open up an account, you have a business relationship. If you don't want to continue it, by all means,keep youmoney in a shoe box beneath your bed. You know how much money you have, simple as that. It shouldn't matter what checks they put through first. If you have five apples, you can't give me seven, can you? No. Same thing. You want to hurt the bank? Don't overdraw your account, then they won't get overdraft fee off you. Simple as that. You don't have to give them the opportunity to make fees off of you. You are allowing it to happen, the bank didn't cause you to spend more money than you had.

But I am not a banker but I am someone who can successfully add, subtract, and keep an accurate register as to not have to pay overdraft fees. I am, as others have pointed out in other threads, someone who reaps the benefits of free checking thanks to people like you. It doesn't take a banker to know that you can't spend more money than you have which is what you did. There is nothing snide about mine, or anyone else's observations that you are blaming everyone/thing else about your blatant spending of money that you didn't have by your own admission. You tried to ride the float and got burned. It was not the bank's fault nor was it the snow's fault as you have tried yourself to blame in 2 different responses.

But I am not a banker but I am someone who can successfully add, subtract, and keep an accurate register as to not have to pay overdraft fees. I am, as others have pointed out in other threads, someone who reaps the benefits of free checking thanks to people like you. It doesn't take a banker to know that you can't spend more money than you have which is what you did. There is nothing snide about mine, or anyone else's observations that you are blaming everyone/thing else about your blatant spending of money that you didn't have by your own admission. You tried to ride the float and got burned. It was not the bank's fault nor was it the snow's fault as you have tried yourself to blame in 2 different responses.

But I am not a banker but I am someone who can successfully add, subtract, and keep an accurate register as to not have to pay overdraft fees. I am, as others have pointed out in other threads, someone who reaps the benefits of free checking thanks to people like you. It doesn't take a banker to know that you can't spend more money than you have which is what you did. There is nothing snide about mine, or anyone else's observations that you are blaming everyone/thing else about your blatant spending of money that you didn't have by your own admission. You tried to ride the float and got burned. It was not the bank's fault nor was it the snow's fault as you have tried yourself to blame in 2 different responses.

But I am not a banker but I am someone who can successfully add, subtract, and keep an accurate register as to not have to pay overdraft fees. I am, as others have pointed out in other threads, someone who reaps the benefits of free checking thanks to people like you. It doesn't take a banker to know that you can't spend more money than you have which is what you did. There is nothing snide about mine, or anyone else's observations that you are blaming everyone/thing else about your blatant spending of money that you didn't have by your own admission. You tried to ride the float and got burned. It was not the bank's fault nor was it the snow's fault as you have tried yourself to blame in 2 different responses.

typical response from a banker. forget the apologys, blame the snow for closing early. God forbid a customer is right and the bank may have been at fault for closing early. Snide remarks are not allowed on this site. if you have no constructive imput you need to stop with the stupid retorts.

typical response from a banker. forget the apologys, blame the snow for closing early. God forbid a customer is right and the bank may have been at fault for closing early. Snide remarks are not allowed on this site. if you have no constructive imput you need to stop with the stupid retorts.

typical response from a banker. forget the apologys, blame the snow for closing early. God forbid a customer is right and the bank may have been at fault for closing early. Snide remarks are not allowed on this site. if you have no constructive imput you need to stop with the stupid retorts.

typical response from a banker. forget the apologys, blame the snow for closing early. God forbid a customer is right and the bank may have been at fault for closing early. Snide remarks are not allowed on this site. if you have no constructive imput you need to stop with the stupid retorts.

You clearly wrote checks knowing there was not enough money in the account. THAT is where the problem starts. Not with the bank or the snow.

The policy of letting the highest check clear and charge fees to the rest, was not The standard practice when I started my account with them.... Also there bank closed early due to snow and i was not able to deposit the money that should have been there. There is a solution...That is for everyone to take there banking to a bank that looks after there customers money, and not how much they can take from there customers!

Kentucky Steve, The posting order of transactions and the amount of NSF fees is IRRELEVANT if you keep an ACCURATE checkbook register, AND only spend money that is posted and available in your account at the time you write the check. The days of living on the float are over. Furthermore, these posting policies are clearly disclosed to when you opened the account. No rip off here.

If you have noticed that all banks put thru the highest to the smallest first. Not just 5/3. I have been with a bank for 15 years and they have always and I mean always put thru the highest checks or debits thru first, and bounce the rest. Which means that you should have enough money in the account to cover for all your checks, not just the highest. If you wrote a $600.00 check and then 10 $20.00 checks that equals out to be a total of $ 800.00. If the $600.00 comes thru first, you still have $200.00 left to cover for the rest of those checks. It sounds like you never had enough money in your account to cover all the checks and is that the banks fault? You was writing checks with no money..