AA
Springfield,#2Consumer Suggestion
Sat, November 01, 2003
Check with the bank for a copy of thier "Funds Availability Policy". This MUST be posted in the lobby and available to you. Also inquire as to what order checks are cleared on your account. Do they clear high to low, low to high or check number order. All methods are legal, check number order is most ethical and logical. Was you pay deposited via electronic means or did you present a check to the teller or night drop? If it was electronic, funds MUST be made available the next BANKING day. If you deposited a check, check to see when the funds would become available to cover checks clearing on your account. If there are irregularities in how your funds were handled, check which government agency regulates US Bank. (FDIC, OTS, OCC, FDIC) Write to their regulatory complaint department with as great a detail as possible. Note to them signs of a Regulation CC violation. If your funds were handled in compliance with the Funds policy, consider your self lucky to gotten any of the fees waived. Good luck