Complaint Review: Huntington National Bank - Columbus Ohio

This is one of my all time favorite "excuses" as to why a person thinks they can not keep a register. "Most of my NSF fees I have ever had are because within my buisy lifestyle I depend on the online accounting of my transactions." - Let me tell you a little parable an old boss told me. People never seem to have the time to do something right the first time. But they have all the time in the world to fix it the second time. The moral relating to this is you are going to spend a lot less time(and money) keeping a register from the beginning, then having to track down purchases and worry about OD fees later. I can almost guarantee that you are spending more time to manage your account on-line(especially if you are printing out screen shots), than you would be doing using a register. You are doing this to "prove" that the bank is wrong. When in fact due to the nature of on-line banking only being a "snapshot" of your account at a specific moment in time, it was never meant to be used as a sole(or even primary) method of account management. You don't want to use paper, then don't. There are several programs that can help you manage your finances, not only in helping keeping a register but setting up a budget(very useful). Several of those will cost you less than even one Overdraft fee.

From the OP: "I have started making screenshots of my account a day before and then a following day my account is close to zero. I have brought in proof that this happens and they tell me not to trust what is displayed online because it is not accurate." Response: That's true. I'm not aware of a single bank that has a completely accurate online system. It's not intended to be a replacement for a check register or a ledger and if you use it that way then you will have problems. Look at it this way - Every single week I stop by my preferred Chevron and fill up my car's gas tank. I pay at the pump and the station puts a hold of $1 against my account. I may buy $30 or more worth of gasoline but the bank doesn't know that. They only see the $1 hold. For the sake of discussion, let's say I spend $32. When I check my online banking page, I would be led to believe that I had $31 more in my account than I actually did. That impression will remain until the merchant submits the actual charge and the bank posts it. I've had instances of buying gas on a Thursday and the merchant not submitting the charge until the following Monday. That's just one example, a restaurant may place a hold for the cost of your meal but that won't necessarily include the tip or Amazon.com might not charge you for a backordered item until it is back in stock. You also have to consider that the bank won't know of any checks that you have out there until they are presented. "They want me to maintain a bank registry on paper even though 90% of my transactions are electronic." Response: That's good advice. Electronic transactions still need to be documented and a check register or ledger is the most accurate way to go about it. "Most of my NSF fees I have ever had are because within my buisy lifestyle I depend on the online accounting of my transactions." Response: I call BS on this one. According to a recent FDIC study, the majority of people with checking accounts do not pay overdraft fees. I'm positive that a significant number of these people have busy lifestyles as well and yet they manage to avoid overdraft fees. I work full time and go to school and I can tell you that it only takes a moment to record a transaction in your register. Are you seriously saying that you have time to log in to online banking but you don't have time to write down a transaction? "I am almost ready to work with cash and tell the banks to find a place for thier robbery." It's not robbery, you are choosing to donate your cash in the form of fees. If you're not willing to take the responsibility of properly managing your account, then you would be better off working with cash.