Resolved BESTBANK — Shady Business Practices
BestBank is one of the worst banks I ever dealt with! I opened an account there because I was trying to support a smaller bank since all these Banking issues were going on in our country. So I wanted to move from Bank of America however I decided to still use my BofA account and just test BestBank.
My complaint is very simple. I hardly used the account and had $2.07 in the checking. On a Thursday night I deposited $115 CASH at the branch via ATM. Now mind you that ALL banks and it was posted on BestBanks website that CASH deposits are available on the same day. However I knew that it was Thursday evening and my funds wouldn't be actually entered until the next morning when the staff arrived and checked the ATM. So Friday evening I used my debit card for $15. On Saturday I checked my balance and BestBank charged a NSF for $25. And my balance showed a negative balance!
How is that possible, I called the bank just to be on hold for 10min and nobody ansering, I called the branch. The lady asked me if I had an advance or owed the bank and I said no. It only shows that my $115 CASH deposit was not cleared and it didn't show on Saturday either.
I filed a complaint with the Better Business Bureau because BestBank is engaging in less than honest business practices, charging fees for situations that are not warranted.
I also noticed with their EZ Advance they have the right to reject but you still pay the $25 application fee. I tried to use on 3 occasions, the first 2 times I didn't meet the deposit requirement. the 1st I didn't pay attention and dind't know you had to have $500 deposited each month for 3 months to be qualified. So the 2nd time I thought it was 3 statements so I was rejected then the 3rd time I made sure that I had way more than $500 monthly deposits for more than 3 calendars months consecutively but I was still rejected. When contacting customer service they told me I didn't meet the deposit requirement and they didn't show about 4 deposits I made. So I took a screen shot of ALL of my deposits and emailed them back. Their response was that they weren't able to handle this matter and a Branch specialst would call me to resolve the matter. This Branch specialist didn't call back ever.
As soon as I get the money refunded I will close the account down and I now bank with BofA and Suntrust screw these little banks seems like they don't have the technology and resource to correctly handle individual accounts
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