- Report: #530758
Complaint Review: National bank of Arizona - Flagstaff Arizona
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National bank of Arizona
211 n leroux Flagstaff, Arizona, United States of America
Phone:
9287799000
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National bank of Arizona Overdraft fees Flagstaff, Arizona
Melissa called to say that my daughters joint checking account with me was overdrawn by $3.00. Said if I made an immediate deposit there would not be an overdraft fee.
I deposited 40.00, they charged her 35.00 in overdraft even though they did not mention it on the automated account information. She was driving back to college after the holidays and the gas station would not let her fill up with gas, she ran out of gas and was stranded on the highway. I have over $20,000.00 deposited in that bank but I am changing banks now.
I deposited 40.00, they charged her 35.00 in overdraft even though they did not mention it on the automated account information. She was driving back to college after the holidays and the gas station would not let her fill up with gas, she ran out of gas and was stranded on the highway. I have over $20,000.00 deposited in that bank but I am changing banks now.
4 Updates & Rebuttals
Chris
Chesterfield,Missouri,
U.S.A.
The rip off
#2General Comment
Thu, December 17, 2009
There was a rip off here, but not what people might think. Whoever told this person that a deposit would stop the overdraft should be fired. Either they told a blatant lie or they are so incompetent that they don't understand even the simplest of their employer's policies. In any case, they have no business working there.
Stacey
Dallas,Texas,
U.S.A.
Be grateful
#3Consumer Comment
Tue, December 01, 2009
That the bank called you - most banks will not. I bank with a small town bank and they will alert me about any discrepency regarding my account and that is the reason I have been with them for 20 plus years
As for your daughter - did you not teach her to keep a check register regarding all her purchases? Who reconciles your monthly bank statements - sounds like she uses her debit card as if it were a credit card - You change banks the situation will not change period
Stop using online, atm and phone balances as truth - use common sense and take responsibility for your own finances
Edgeman
Chico,California,
U.S.A.
Why are you changing banks?
#4General Comment
Mon, November 30, 2009
Are you switching banks because your daughter overdrafted her account or because they didn't let her rack up a string of overdraft fees and she drove on the highway while running out gas?
Robert
Irvine,California,
U.S.A.
Overdraft..
#5Consumer Comment
Mon, November 30, 2009
If you have a bank that will call you personally when there is an overdraft on one of your accounts, you may not want to be so quick about moving banks.
This is actually a reverse of a lot of people's complaints. But I am not surprised about it and expect that we will start to see many more of these complaints, as banks adopt these new policies.
What are these "new" policies. That is to allow(or not allow) debit cards to be used when the account is overdrafted. A small percentage, and yes regardless of what some people want to believe it is a small percentage, of people who failed to have proper account management expected the bank to tell them when they were out of money. So in the last few months banks are starting to give the account holder the option to no longer allow their card to be used when it is in overdraft. Now, this by itself is not a bad thing. However, you then can't have it both ways. There is no, "I don't want to be allowed to use it..UNLESS there is an emergency then it is okay". It is either allowed or denied.
Whether or not this bank actually never allowed the debit card to be used in overdraft or they did and because of these complaints they decided to change their policy is something you would have to ask them. There is also a possibility that you were asked when the account was opened and decided to decline the overdraft protection.
I am not saying that your daughter did or did not keep a register to know when her account would be running low. This is just to explain why the card was most likely declined. Also, that if you do change banks this is something you need to ask your new bank as well.
As to your daughter and being "stranded on the highway". If she was running low on gas or knew enough that she needed to get gas at a gas station. Once the card was declined why did she continue?
