I Am The Law
Cincinnati,#2Consumer Suggestion
Tue, August 11, 2009
When you deposit cash into an ATM, you DO NOT get FULL credit for that money immediately. You get $100 of it right then and the rest credited the next business day. There's no leprechaun in the ATM to verify that you actually put in the amount of cash that you claim to have. Obviously, that's why the bank only makes $100 of it available until the funds are verified the next business day. So, Dora, if you owned the bank, would you honestly have a policy different from this one? Would you really trust the average person enough to immediately give them full credit of cash deposits no one at the bank physically confirmed? I don't think so. You signed a legal document when you opened your USB account stating that you understand and agree to all terms of the account, including their ATM and funds availability policies. Frankly, the bank did you a favor by removing one of the fees. I wouldn't remove any of them. You've been at that bank for long enough to know how things work. You robbed yourself. Take responsibility for your own mistakes.
Ashley
Springfield,#3Consumer Comment
Wed, July 15, 2009
You overdrafted your account and tried to deposit money to cover it. You are liable for the fees you incurred. You spent money you did not have and expect the bank to do something for you. That's not how banks work. Any bank you go to will do the exact same thing.