Complaint Review: SunTrust Bank - Sarasota Florida

When your overdrawn on your account and you have no money, first of all why would you even attempt to use it? save yourself the embarrasment. It's not a credit card where as sometimes the creditor could extend the credit limit on your card. So thats why the bank would block access to your checkcard. A CHECKCARD works different, it's the same as using checks only that it's a card with a visa logo in witch allows you the convinience of using the card in many locations. Now getting back to why the bank would block the card it's obvious and a no brainer. If you have NO money on your account why would they not block the card? SunTrust bank like any other bank only lets you go over the limit as a courtesy in cases of emergency, but the bank does NOT need to approve any transaction where the money is not available. There fore card security has the right to block off your card untill the account is back to a normal status. Get some overdraft protection, or better yet LEARN how to manage your bank account. Later dude, I hope this has opened up some sense into you.

Regarding charges made by bank for bad checks. Also suggestion on debit card. I never get charged for a non sufficient fund check! They have a little thing called a line of credit. Also known as overdraft protection. Unless I am stupid enough to overdraw by $3000.00, then I don't have a problem with fees or deactivation of card. Fortunately, I have never had to use this, as I do not spend money I do not have. That is what credit cards are for.

The reason they turn the card off its because it belongs to the bank- not you! Read the back of the card on the bottom left hand. But they do this once you have exceeded their risk tolerance, in most cases the bank will let you overdraw your account but when it becomes repetetive then you beecome a liability because although you've made the deposits in the past, what if you didn't this time? THey would charge you off and they'd lose, and trust me, banks never lose.

My bank does this too. Unless a deposit is cash (and I once had a bank where it didn't matter) most deposits are not completed until the next business day. Some people believe that it is credited at the very second they deposit. Rather than allow people to rack up more and more charges and owe more. My bank will shut off your card until the deposit is noticed by the computer and therefore will not charge you for overdrafting your account. But at least at my bank, when the deposit is cleared you don't have to go in and have the card turned back on. It happens automatically.

SunTrust still lets me use my bank card after I'm overdrawn. It is when I make a deposit to bring the account to a positive balance and then some, that they deactivate the card. So basically, when I'm overdrawn, I can still use the card, go on incurring NSF fees, but when I bring my account up to date, they turn off the card. Sorry if I wasn't clear before. SunTrust doesn't seem to be helping me, they seem to be helping themselves.

I understand that you are admitting to going overdramn on your account. But it looks to me that SunTrust is protecting you. Most banks will still let you use your debit card AFTER you have gone overdrawn and will continue to rack up NSF fees for EACH and every transaction. So you are upset that YOUR banks accually protects you from future fees!!!!!! I think you should look on ripoffreport.com with other bank names so see what I'm talking about.