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3.1 21 Reviews

Associated Bank Complaints Summary

11 Resolved
10 Unresolved
Our verdict: While Associated Bank has an above-average resolution rate, there’s room for improvement. Investigate common issues reported by customers and understand how they were resolved. Be prepared to follow up on your queries if needed, and keep detailed records of all interactions.
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Associated Bank reviews & complaints 21

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5:20 pm EDT
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Associated Bank Dispute Claim

I filed a dispute with you guys specifically for not receiving the product I paid for and got a letter on July 31st saying I'd be permanently reimbursed only to get another letter on August 4th saying the business provided you with new information. HOWEVER. I am not satisfied with the proof of shipment paperwork because there is no tracking number or even shipment date. Only my address which of course they have because I gave it so it could be shipped.

Desired outcome: I want to get reimbursed for a product I never received or proof of shipment via a tracking number and the company they used to ship it. And I want an apology for the waste of my time.

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11:08 am EDT

Associated Bank Fraud Department

The worst customer service ever, I have fraud on my account supposedly and customer service will not connect you to them They

can only be reached via email with no guarantee they will not get back to you before 10 days. How am I supposed to get this straightened out and pay my bills once I get paid next Friday? The fraud department should call a customer before freezing their account.

So Associated Bank tell me what am I supposed to do with no access to my money. This will be put on all social media until I receive a response from you and the fraud department calls me to get everything fixed

Worse customer service ever from a long-time customer

Desired outcome: A call back immediately

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12:38 pm EDT

Associated Bank Inability to access personal account

I have been unable to continuously access my account after the recent digital upgrade you incorporated. The Customer Service is HORRIBLE and unable to resolve this ongoing problem . Every time I sign in the bank demands a 'passcode' which they 'sometimes' send. After entering the code and I verify the required code I am blocked and the timer out more appears immediately! There is nobody to contact on the weekend and I am unable to access my account! This is the WORST ORGANIZATION I have ever dealt with...and nobody cares!

Desired outcome: Correct this ongoing problem! I want somebody to fix this problem!

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Update by Bob degrand
Oct 02, 2022 12:43 pm EDT

I am totally upset with this bank. They lack any knowledgeable technical assistance...are unable to address main issues such as difficulties with logging into accounts. It's like dealing with robots that simply respond with they are sorry for the inconvenience...but have a nice day!

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Is Associated Bank legit?

Our verdict: Associated Bank has achieved a rare feat of perfection in legitimacy, as per the rigorous analysis conducted by Complaints Board. This achievement underscores Associated Bank's position as a benchmark of trust and quality within its industry. Users and clients of Associated Bank can engage with its offerings, confident in the knowledge that they are dealing with a top-tier, fully legitimized company.

Associated Bank earns 100% level of Trustworthiness

Perfect Trust Endorsement: Associated Bank achives 100% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

We found clear and detailed contact information for Associated Bank. The company provides a physical address, 9 phone numbers, and email, as well as 4 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

Associated Bank has registered the domain name for associatedbank.com for more than one year, which may indicate stability and longevity.

Associatedbank.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Associatedbank.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.

Associatedbank.com you are considering visiting, which is associated with Associated Bank, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.

Several positive reviews for Associated Bank have been found on various review sites. While this may be a good sign, it is important to approach these reviews with caution and consider the possibility of fake or biased reviews.

Associated Bank website is deemed to be popular and indicating that it receives a high volume of traffic. It is important to be cautious when using a highly trafficked website, as it may be a target for cybercriminals looking to exploit vulnerabilities or steal personal information.

Associatedbank.com regularly updates its policies to reflect changes in laws, regulations. These policies are easy to find and understand, and they are written in plain language that is accessible to all customers. This helps customers understand what they are agreeing to and what to expect from Associated Bank.

However ComplaintsBoard has detected that:

  • Associated Bank protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
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Associated Bank Auto loan

This is the last time I use this bank for my auto loan or any type of banking. Very disorganized, there is no online banking and I have to call for my auto payment. I only made two payments on my loan and they have already managed to mess it up. My second payment was processed Jan. 25th and left my bank account the 27th, for my payment due Feb. 13th. When I called today Feb. 18th for a March's payment, they said my account is delinquent passed due 5 days... that my Feb. payment never went through and the money I paid was returned, but I never got that money back in my bank. Not only is my credit at fault but my last payment is in limbo somewhere. I'm so mad and frustrated. One of the worst banks and will never use again and definitely don't recommend to anyone. I'm currently on the phone with associated bank and also looking elsewhere to refinance. Never had an issue like this before.

Desired outcome: refinance with another company. and get that delinquent charge off my account.

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Associated Bank Dispute resolution

I called Associated Bank about a charge I received to my account. After trying to contact the company several times I filled out a dispute and had a new card processed. They credited my account while the review was in process and three months later they reversed the charges. They said the company had authorization for the transaction. The company (Reliable Kind Singapore) gave them a lot of false information, a blank USPS tracking number, a copy of a email they never sent. After looking the company up on google it's plain to see what happened. When I called the bank they said they can only file one dispute per transaction.

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6:57 am EDT

Associated Bank Branch manager

Met with branch manager to discuss account nsf fees I didnt expect these to be taken off but had to ask if there was something they could do . I was then and still are in just disbelief that a branch manager could be so disrespectful to someone that has been with this bank for over 13 years and never had nsf fees or any problems until they took the bank out of the town we live in . The managers attitude and they way he talked to me in the office and on the phone with me after I left was very un professional and still am just in disbelief I was talked to like that.

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3:03 pm EST

Associated Bank Bank fraud

our checking account was recently overdrafted 1900.00. I have never heard nor seen a bank allow such a large overdraft but apparantly Associated Bank does allow this to happen. Now we are the criminals and they are keeping my husbands 1500.00 paycheck that was just deposited into his account. Doesnt matter that we had a dispute going already for three of the at withdrawals. Has anyone ever had this happen to them? Now we have Barry from Associated blaming us in this matter. I just cannot blieve it!

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Associated Bank Worst customer service

I was levied by the IRS and then the bank took a $100 "legal fee" for processing the levy. However, they never informed me of this fee, even though the law firm I work for is across the street from them and I had been their customer for over 2 years. In response to the $100, my account was overdrawn and I was charged an additional $315 in overdraft charges. Then, as I was paying it off, I received a call from their collection company but did not get the woman's name who agreed I could have until July 28, 2010 to pay the remaining balance. Instead, on July 26, 2010, they did a "Charge-Off" without allowing me the full time to pay it. The bank issued me a letter stating I did not in fact owe any money to them in the hopes that would allow me to open other bank accounts. They acknowledged that better customer service might have alleviated the charge-off but said because the woman at their collection agency never placed any note in her computer file on me, stating I had until the 28th date, there was nothing they could do. Elliott at this branch was helpful but in the end, I still got completely screwed. I work for business 20 feet across the street from this branch. I am SO disgusted I could cry. Because of some anonymous collection agent's negligence in not noting our conversation, I have a charge-off on my credit even though it states "no balance owed" or whatever, it still shows a charge-off. I will tell everyone I know about the treatment I received at the hands of Associated Bank and their shady collection company. DO NOT BANK HERE.

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Associated Bank I have had an awful banking experience with them

I have had an awful banking experience with Associated Bank . I have never received such terrible customer service by multiple people within and organization. The representatives that I spoke with made it very clear that they do not care whether they keep my business or not (needless to say, they definitely lost my business). There seems to be some major disconnect and the employees are NOT on the same page. I will also warn consumers that I witnessed some unethical business practices that were of grave concern. My recommendation would be to remove your money from this financial institution.

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Associated Bank Failure to close accounts, horrible service!

They gave me cash when I closed my account and there is no record of the cash withdrawal or of me closing my account. I received a letter saying that my savings account is overdrawn which alerted me to the fact that they screwed up.

When I called, I was told that I needed "proof" that my account was closed. Todd is the idiot I spoke with from the security department. He refused to pull the security camera footage from that day to see that I was in fact there and made the transaction. He wouldn't let me speak to a supervisor and I got nowhere with him.

I filed a complaint with the Dept of Financial Institutions so we'll see what happens. Do not bank there. They're crooked and deceptive. It was nothing but problems the entire time I banked there.

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Associated Bank Overdraft fees

Last week I had a rebate form that needed to be deposited to my bank. Being as I work right next door I knew that I would be able to deposit the check. I wrote down the deposit and went to work. I didn't have time to stop on my lunch break so I went to deposit it after work in the ATM. Little did I know that they don't have envelopes at the ATMs for deposits. Which I have found out that you have to go into the bank to get the envelopes. It does me a lot of good to have to go into the bank to get the envelopes when if I was going in I probably wouldn't be going to the ATM. So I put my check in my purse and go on my way. The weekend comes and I use my card a few times forgetting all together that I have the check still. Monday I used the card 3 times. Monday everything from the weekend goes through. To my surprise I have 9 overdraft fees which are $35 each. But then I get this notice that the 3 items were presented to the bank and I had money in the bank, just not enough because the check is still in my car. How in the world can I have over-drafted those other 6 items if I had money in the bank when these items were presented to the bank. It doesn't say that I had this much and these 9 items were presented.

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JS27
, US
Sep 15, 2022 9:32 pm EDT

Your website is terrible. Every other time I try to make a payment it will not go through. Happened again today. So I tried over the phone and that wouldn't work either. Do you want my money or is this some kind of set up to try to get people behind on their loans? I have an 850 FICO and want to keep it that way.

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Associated Bank Solicitation illegal or not?

Solicitation Illegal or Not?

I was shopping at Mega Foods West (Eau Claire, WI) where a gal from Associated Bank (the in store bank) approached me and persuaded me into opening a free checking account. She told me that the bank is offering free checking accounts, with no fees or charges, and if I wanted I could just use this account as a savings account. I opened the account and ordered a box of checks. Months later the bank changed their policy and now charge a $5.00 fee per month if I do not actively use this account. I stopped at the bank today and asked them to refund me for my box of checks and the $10 fee (2 months x $5) that they charged me, which they refused to do. I therefore closed this account. I feel that Mega Foods West and Associated Bank should be liable for the way in which they solicited their customers and then intentionally change their bank policy! How many other people did they get the same way they got me? It is not really the issue of the money but the way in which this banking business made their money. If you too have noticed this extra charge on your statement please contact me.

Please find attached:
1. Bank Statement
2. Copy of the Thank You card
3. additional miscellaneous documents

Cc:
Leader Telegram
Craigs List financial
Town Courier
Better Business Bureau
Consumer Protection
The Spectator
Seniors
Tradin Post Buyers Guide
Americans For Fairness in Lending
Federal Reserve
Office of the Comptroller of the Currency
The Federal Reserve
State Attorney General
Associated Bank
Mega Foods West

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giraffeclub79
Eau Claire, US
Jun 23, 2012 9:23 am EDT

I agree that this is annoying and sketchy and a downright slimy way of doing business. Unfortunately, banks are in the business of making money, not helping people. I strongly concur with Elizabeth Kay regarding credit unions...so much so that I have accounts with three different credit unions in two states. I have never had my accounts messed up because of a change in credit union policy. In regard to your specific situation, the grocery store (and this goes for nearly all stores with banks in them) leases the space to the bank and the bank, in turn, gets "stomping ground" rights to the store. This is why you were accosted while trying to pick up groceries. Banks love grocery stores because the store funnels customers directly to them without any effort. Slimy, slimy, slimy...and they do it in the name of "convenience" and "serving the customers needs". I am very sorry that you were taken advantage of by a bank. I would take the complaint directly to the president/CEO and not let up until they apologized for being slimeballs.

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Elizabeth Kay
Eau Claire, US
Jun 23, 2012 5:50 am EDT
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Well if you already had an account elsewhere you could have simply NOT opened the new account.
Changing the rules is what banks do. That is why I use credit unions instead.
You could simply use the account (put money in or take it out regularly) or close the account.

Frankly I am confused as to why this is the banks fault and not yours for getting an account you didn't need. It is no different than Applying for a store credit card while out shopping then finding out that it has a 19-22% interest rate.

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Associated Bank Unreasonable fees

I have been a loyal customer to this bank, however, they have changed. I have had an account with them for the last 20 years, when they were still customer friendly. They had a "courtesy" on my account to allow charges to go through, which brought me to $400 over my account limit. From there, they charged 16 separate overdraft fees in the amount of $35 each, which has me struggling to get back in the black. Now I am facing more and more fees and the money is evaporating from my account.
I have spent hours trying to correct many of their mistakes over the last 2 years, including one today that had them depositing our paycheck into the wrong account. You guessed it: We were charged overdraft fees because of their error! God help you if you think that they are willing to help you at the toll free number, they will make you seriously frustrated, so I wouldn't suggest trying it. I am now switching banks, and looking forward to having access to ATMs and other services that this bank does not have readily available. I hope their disgruntled customers leave in droves, and give their business to more honest banks that don't want to see their clients go under!

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Associated Bank nsf fees

This bank is very good at ONE thing...taking their LOYAL customer's money. I have been with Associated Bank for 15 years. I opened my mail today to see that I had $630 in NSF fee's from less than $200 in charges. I find that additionally there is a "courtesy" feature on my debit card that "allows" me to charge up to $500 in the negative before my card is declined. Over 2 days, the 2 days before Christmas, I made small purchases, almost all under $10 and was charged 18 times for Overdraft fee's of $35 a piece. When I called today, they again threw around the "loyal" customer statement stating they would credit me back a measly $150, when I refused, they said, "what would be sufficient for you"? Not only were they rude, insincere, they were incapable of removing the fee's that were ridiculously charged to me. They still seem to not understand that their attempt to "appease" me with the $150 was not good enough. I told them that the amount of money that it would cost me in late payments to my credit card companies and also in rent, was going to surpass their pitiful offer of $150. Overall, I am disgusted that this company doesn't grasp that their customers are the most important piece of their business.

My biggest frustration is that my card wasn't declined, not once out of the 18 times that I used it. Between the 21st and 23rd of December there was never an inclination that there was anything wrong with my account, even when I pulled money out of an ATM. I do not have daily access to internet so the ability to see overdrafts isn't something that I seek out daily, regardless of the very rude and unhelpful advice of their staff to "just look online or use a register". This company has never had an issue declining my card when I am out of state on business due to their suspicion of theft, but can't for any reason find a phone or email handy to help me to avoid ridiculous fee's. I would be very interested to add up the interest that I have paid this bank over my 15 years with them, since they are so readily eager to itemize my fee's. I can't wait to pull my money out, my entire families and anyone else I can get to pull their money out. I can't pay me rent, my bills, groceries anything, it's 3 days after Christmas, people are strapped without their banks gauging them needlessly. It's not much of a surprise why our economy is in the state that it is in with organizations like this.

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Capitalism at its worst
, US
Aug 25, 2010 2:04 pm EDT

Associated Bank charged me $293.00 in fees on two charges of $21.53 that Virgin phone erroneously charged to my account AFTER my Virgin account was closed. I submitted a dispute. After waiting almost 2 months, Associated sent me a notice that they were applying the fees and Virgin's charges. AB provided a copy of Virgin's generic form letter that referenced "attached call log" but there was no call log included. I called AB's loss prevention technician who said he never received the call log and that I had to go after Virgin for the missing call log. I guess he was too busy/lazy to do the job required as a banking professional.

How can AB reject a claim based on a generic form that had nothing to do with my case and no documentation? The fees, baby! It's all about ripping off customers.

They charged me 7 times the amount of the the original charges.

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angryzfamily
, US
Jun 17, 2010 9:24 am EDT

I HATE associated bank! They just run my husband and I into the ground (yet again!) with their stupid fees and it wasn't even our fault! We deposited a payroll check and then paid our bills. Well that money wasn't available right away (tho IMO it should be!) so now we have fees up the wazoo, and our card was never declined either, And by them taking out their fees without me knowing we were overdrawn again. So now both time it was their fault and now we don't have money for groceries or other bills. In which we have 2 young kids, by the way. You think they care? No they don't.

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Associated Bank Exorbitant nsf fraud

Associated is manipulating checking account debits and credits to their advantage, resulting in multiple overdraft fees. Phone calls to the branch result in the usual double talk, claims of no records of previous communications and canned rhetoric. The day after a phone call complaint, rec'd another pair of overdrafts from a transaction that was paid, credited back to my account, and then refused for payment..which resulted in two more overdraft fees! Is this their way of saying "Take that" for daring to complain? Have never experienced this type of corruption with any financial institution...til now.

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Associated Bank Failure to credit account with proof of deposit in good standing

I have proof on printouts that I had a positive balance on end of closing day, plus 2 large deposits the following day. The bank charged me 2 overdraft fees $70, for taking a check cashed on the 15th, 2nd day, and putting it back to the previous day, and disregarding my cash deposit, saying I was overdrawn! This morning, I went online to find that they would not allow me to see my acct info for Oct 14 and 15! I called the main office-they said noone could. I immediately called the local branch and they had it! Just didn't want me to see my acct-caught a lie-they "marked the acct" knowing we complained the day earlier. Went back and forth on phone calls, branch to main office bounced around. Branch said they would handle any issue to come in the day before, so I did. They didn't want to talk about it, told me to leave! I was nice, as I want my refund and hanle this thing. Said they would call police to have me taken out! They did call! The officers were helpful to us, the bank made a fool out of themselves! We closed out acct after 8 years thee. Never gave them any problems in past. They were awful beyond belief. We are persuing further action

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dvanheld
Chippewa Falls, US
Jan 21, 2010 6:38 am EST

I just had the same problem today with Associated Bank. I was looking online for any lawsuits pending against manipulating the debits/credits, and processing of them. If you have any news or know how I can take action don't hesitate to email me @ daniel.vanhelden@gmail.com Thanks!

P.S. After I get my tax return I plan on closing my checking account and moving it all to Anchor Bank. If this bank does this please let me know as well. Thanks again!

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Associated Bank Checking overdraft fees

My bank continues to charge me overdraft fees of $35 each time I am over drawn. While I know this is a fair practice, it seems they are being underhanded on this. I will check my balance on line, I will check my balance with the debit card, both will show I have the funds. I will withdraw the funds, and then the next day, or maybe not even until the 2nd or 3rd day, it will show up on my account as a overdraft and they will not only charge me the $35 for the over draft, but $35 for EACH over drawn I might have done during the time, and THEN charge me a CONTINUEING overdraft fee of $65 or more. I feel this is unethical, but is it also illegal? Pleae email me at bonnie.[protected]@ingenix.com

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Katie93
Peach Springs, US
Jan 22, 2013 8:41 am EST

I also had been charged four overdraft fees of 35.00 dollars a piece in the last week, of which NONE make any bit of sense when I had money in my account by checking my mobile banking app, so I got gas. Then saw three overdraft fees the next day. Worried, I called customer service and she refunded me one due to "confusion" . But couldn't explain why the other two were there, they took my whole paycheck and had no remorse that I work part time for minimum wage and try to get by every month. She told me she switched my account to overdraft protection... I got another charge two days later when a fitness club deducted their dues..I called and told them if they weren't closed on Martin Luther king day I could have deposited money for that! I told her that the lady I spoke with the othe day assured this wouldn't happen again...not worth my breath I told her ill be in today to cancel my account with the worst bank I've ever experienced, they took a total of 150 from me!

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futurcop04
Wonder Lake, US
May 16, 2010 9:33 am EDT

i agree with what all of you are saying... the NSF fees and overdrafts are a joke. My girlfriend as well as myself all in one week had the same problems. mine was slightly different though. on paper it says "4 ATM transactions per month free" with advantage checking. not 4 free or 3 or whatever else they can come up with such as per cycle. everyone at Associated bank words everything different than thier customer service department and vice versa. i got my pay check through direct deposit and then paid my bills. Thier security team thought it was "suspicious activity" so they froze my account with 1.84 left in it. Now, if the activity was so suspicious why wasnt i notified? i could not get anything under that amount or equal to that amount. they then charged me 3-1.00 fees for "balance inquiries" when in reality as soon as i put my pin number in the only service i got from that ATM or Associated bank was " contact financial institution" so i called customer service to figure out why my account is frozen even after i told them to unfreeze my account i was charged these fees. so at this point im at ($1.16) in the hole.because they were ATM fees i was not charged the 35 dollars. because thats fees that compound fees for getting fees that they gave you, which i was told is illegal. nothing would tell me my balance anywhere. online, or phone service. a couple days later my vehicle insurance company tried to push something through and put me in the negative which i knew would happen. this has happened a few times and never been an issue and i always repaid the bank in a timely fashion. that im not disputing sometimes you have to pay a little extra to make ends meet. Because my account was still frozen at this time Associated bank gave a "returned service fee" of $35 then also charged a $35 NSF fee. the $35 NSF fee is a charge for them having to pay the item. Now the problem with this is my item was never paid AND THEY EVEN CHARGED ME FOR HAVING TO RETURN IT when it was thier fault they did not unlock my account prior to this incident at my own request with proper identification and passwords. so at this point they owe me 73 dollars. by the time my direct deposit comes in again it would be a total of $105 for problems they created by "trying to secure my financial stabilities and gain" stay away from this bank im getting out as soon as possible. please contact me if anyone can help R.A popo9mm04@yahoo.com

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justmeventing
Galesburg, US
Oct 28, 2009 5:21 pm EDT

I also have problems with this bank. I wrote 3 consecutive checks, the first 2 were for $10 each and the third was $124. Instead of taking the 2 $10 checks, which were the first in a sequence of numbers, they took the higher check causing the 2 $10 checks to bounce causing a domino effect and in the end costing me over $700 in overdraft fees. I kept my register updated and knew the last (the bigger of the 3) would bounce, and even entered it into my register with an OD fee; however, the Bank itself chose the bigger of the 3 thereby resulting in $70 I had not been prepared for...according to my register, I still had $3.93 before my last deposit, but according to the bank, I was in debt to them. I have been on the phone with several people at the bank, and the most they will refund me is $280. I have reported their improper practice to the Better Business Bureau in hopes of getting this nonsense to stop. Also, I was curious as to WHY they continued to allow me to make debit card purchases, which 90% of them were under $10 each, and they said because they allow a $500 overdraft before they start denying any debit purchases.

If you ask me, they are wrong in so many ways for allowing this. Did you know the banks are making a killing on people who go into overdraft? I saw it on the news and sure enough, I got slammed with their malpractice. I just hope the BBB can do something for me. I work hard for my money, and not to line their pockets either. I am furious about this...somethings gotta happen to make them stop.

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RJ jet
Chippewa Falls, US
Oct 24, 2009 9:03 am EDT

Associated Bank has given me and my husband nothing but problems. I have had so many overdaft fees like in the other complaints I have read about. I have looked at my bank account online and have had the money for transactions, but there is something funny going on that they do to manipulate the numbers. Keep in mind that when you get gas the credit card companies that are approving them take more than what you pumped, from your account. I just checked my account today and seen that there is a continuing overdraft fee and I have carried a balance of over five hundred dollars for the past week and have had no overdrafts. I don't know what is going on, but they need to be investigated as well as other banks that practice this type of banking.

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Associated Bank nsf fee

this bank is a bad place to do biz, was in the flood went to get my fema money out thay wodent give it to me, nex thay added nsf charges fore checks riten to pay contracters for reppair work after flood with loan money from the grater flood releef fund was told that i wood have to give them atleast three days before i coud use the money and thay hit me with nsf fee's fore checks ritten to contractors even with a balence over 26000.oo on the account when i used up all the money tring to fix my house thay closed the acount on me with no prier notes and charged a nother adninistration fee fore closing the acount, now i cant even get a checking or a saving's till thay get more mony from me as thay have sent it to a colection compeny that thay owen and are reporitng bad det each month on my credit report,

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SJFSpoiledRotten
Appleton, US
Aug 31, 2009 11:17 am EDT

Associated Bank is awful. I miss it being First Fedral. I have been with First Federal and now Associated Bank for 6 1/2 years. I recently over drafted my checking account $2.85 and was charged a $35 NSF charge. It was my fault, but I put money in the account the very next day before the transaction even had a change to post to my account. I went to the bank to explain what had happened and they wouldn't even hear me out, they just gave me a card to call customer care. If I wanted to call an 800 number, I should just bank in a different state. So I sent a message to the online department, didn't get a responce in 24 hours, so I went to a different branch and talked to someone for 35 minutes, who in the end just resorted me back to the 800 number. The refunded me $20 of the 35. Finally got a reply from the online customer service people who said it looked like my issue was resolved. Sent them yet another message asking them to refund my $15 and they wouldn't because it wasnt' due to bank error. I am already in the process of switching banks. Not because of the $35 NSF charge that was my fault, but because of the lack of customer services.

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Associated Bank Unfair nsf fees

These folks are tricky! They claim 'overnight' processing, and process a load of debits and credits the same day to my account. So, my direct deposit goes in the same day as debits go in. But they charge me an NSF fee. Why?

Their explanation is that the debits were 'there' first in the overnight processing.

Way to make a buck!

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silverado02
West Bend, US
Oct 15, 2009 11:21 pm EDT

We all need to go further to straighten out their act. I am told that the banking commission has no authority, but the currency exchange office in Texas does have authority. I will find their address. I heard from other people too, same stuff. I still can't believe how they handled this-not wanting to look at the paperwork proof, talk about the incident, and calling the cops to "take me out" Her name was Laura who made the call. have been told by others, she has a very dark personality. The officers were nice, understood the situation we had. The bank made a very bad fool of themselves showing customers what they did-by what we discussed, right in front of the customers. Laura sure is not meant to be dealing with people in customer service. Maybe a prison.

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Wismom
, US
Aug 20, 2009 9:08 am EDT

Wow guess i should have spell checked first :-)

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Wismom
, US
Aug 20, 2009 9:07 am EDT

File a Complaint withg the Better business Burea bbb.org I believe.Thjey did this to my daughter and whenthey recewived the complaint from bbb they refunded Every Cent to her!

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timhabedank
Hudson, US
Aug 15, 2009 9:51 am EDT

Associated Bank posts debits from largest to smallest on a certain day. So, if you had $200 in your account on Monday, and you spent $5, $15, $25, $40, $10, and $175 on Tuesday in that order, the bank would post the items at the end of the day in order from largest to smallest. $175, $40, $25, $15, $10, and $5. Then, they assess NSFs based on that so you would get charged for 3 NSFs instead of 1.

WHAT A RIPOFF!

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Associated Bank Overcharged

I opened my statement on line and found that one item made me go about slightly negative in my account. Instead of charging me a fee for that one item, they moved transaction around to there advantage and charge me over $310 in fees in one week. I called them and they told me they would look into it but they never responded. I have been with them for 14 years and as I look through past statements, I see that they have been manipulating to their advantage all along. That's why my tax dollars along with part of my pay checks go to bailing them out.

Don't use this bank and tell everyone you know.

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emkaykay
Appleton, US
Apr 11, 2010 12:51 am EDT

I recently received over $200 in overdraft fees because when I checked my account online, it DID appear that I had sufficient funds. After I received these fees I went online to check my account again to verify and it appeared that I actually did NOT have sufficient funds. I did notice that they did debit the largest amounts before the smaller amounts but thought nothing of it. I did take full responsibility for these overdraft occurances since I should have personally balanced my account instead of checking the balance online periodically. I called the customer service line to inquire if it would be possible to waive any of these numerous fees for me since I had been a loyal customer for over 4 years and had never, ever overdrawn from my account before this one occurance. Customer Care gratiously offered to give me $50 back in overdraft fees and even added a COMPLIMENTARY! check book register so I could balance my checkbook. Wow. I asked why he stated that it was "complimentary" and questioned if people actually PAY for checkbook registers. So I just took those care of all of the fees and made it a point to never ever overdraft again. A few months later I happened to use my online bill pay service (through a third party vendor: mycheckfree.com) they (mycheckfree.com) debited my Associated Bank account to pay my bills instead of debiting my US Bank account. After unsuccessfully trying to resolve the situation with mycheckfree.com, I called customer care to let them know about the error and they had a "too bad, so sad" attitude with me and told me that "obviously (I) had authorized the transaction." I had to go into the bank and inconvenience a personal banker. After about 30 minutes of waiting and 15 minutes of explaining my situation, the personal banker reluctantly told me that if I were to sign some form, she would TRY to take care of the situation for me. Why didn't the Customer Care associate let me know that all I had to do was simply fill out a form? And why did I have to argue with the personal banker for 10 minutes before she informed me about that as well. Another thing that Associated Bank could have done was try to address the problem and try to prevent it from happening again.
Example scenario:
Customer: I have overdraft fees. Complain, complain, complain.
Customer Care: I see you currently do not have overdraft protection and you have a significant balance in your savings account. I would suggest linking overdraft protection with your savings account. Or if you would like, you could also open a line of credit to link to your checking account for overdraft protection.
Instead, customer care has a "too bad, so sad" attitude and tells you that you "obviously authorized the transaction". What are they paying their customer care associates for since they obviously don't care about their customers?

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Ruxban
, US
Apr 09, 2010 1:01 pm EDT

Associated in now being sued for re-arranging transactions around to maximize the amount of over draft fee's as of 07APR2010. Instead of getting hit with 2, we got 11. At $35.00 a shot, you do the math. We have printed copies of our daily bank statement that confirm this. You can literally watch and see them doing this.
They also have this sneaky trick if you go out to eat and leave a tip. Let say you spend $30.00 and leave a $5.00 tip. Associated will clear the $30.00, then a few days later entirely delete the entire tranaction your account, then another few days later, put it back on for the full amount. You have to watch very carefully to make sure you taking into account the entire tranaction to aviod any complications. Never leave a tip on your card! Always pay the tip in cash.
$35.00 for an overdraft fee is assinine! I would be justified if they had a 1/2 decent online capabilities, or customer service line! Trying to talk to them on the phone or online is just as bad as talking to Dell if not worse! At least with Dell they have an excuse: they can't speak english.
I don't know who's sueing Associated, but I would sure like to jump onboard that train when it comes around!

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molly1976
Bloomington, US
Oct 23, 2009 2:32 pm EDT

Hi, me and my husband have a mix of the very same situations that you all have. Honestly we made a mistake with our checkbook balance. Which based on the balances that they show on their website we deserved only 1 charge. But somehow it turned to into 5 and then those caused to be in the negative so then it generated 5 more.

I am pulling my hair out of my head because as I look at the activity as they show it on their website for the past two months there are 3 things that they show put out balance into a negative. And collectively we have 15 overdraft charges. And then where do they come up with their variety of terms. I mean they call some Hold Fee charges, and OD Charges and Item hold item paid charges.

You call them and try to challenge and you get nothing but attitude and they say well the way you see it on the site is not how it really is.

I know it's not important, but I'm a Repulican and usually I'm totally for people taking responsibility for themselves. But I am not for anybody taking advantage. So to this seems like a great opportunity to utilize the Dems that I don't normally agree with. Please join in with me, I am going to be sending copies of my statements to my Senators, perhaps both MN and WI as well as my attorney General to file a complaint. Don't know if it'll amount to anything but it's worth a try.

Any chance would anybody join in with me. This kind of behavior needs to be called out. Email me to let me know if you will, Molly1976@live.com

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timhabedank
Hudson, US
Aug 15, 2009 10:02 am EDT

Associated Bank posts debits from largest to smallest on a certain day. So, if you had $200 in your account on Monday, and you spent $5, $15, $25, $40, $10, and $175 on Tuesday in that order, the bank

would post the items at the end of the day in order from largest to smallest. $175, $40, $25, $15,

$10, and $5. Then, they assess NSFs based on that so you would get charged for 3 NSFs instead of 1.

WHAT A RIPOFF!

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SpiderMom
Wisconsin Rapids, US
Aug 10, 2009 9:06 am EDT

Same here. I forgot to write down two cups of coffee for $2.32, when I used my bank card. My checking account got so out-of-hand that I got over $600 in fees and couldn't keep up.

I agree, don't use that bank.

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piper697
De Pere, US
Jul 04, 2009 10:33 am EDT

They have done the same to me and for anyone in the Green Bay Wisconsin area, Pioneer Credit Union is the best.

> Your payroll checks are available in full immidiately,
> Their on-line accounting is MUCH more real-time, ( I mean really, I have logged into my associated account literally a couple hours apart without making any other transactions and have seen different balances ).
> They do daily credits first and then debits ( gee doesn't that make sense, unless your tring to generate revenue )

All I can say is that if your with Associated, "Be Afraid ... Be Very Afraid"

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First3sayitall
, US
Apr 04, 2009 10:56 am EDT

They have done the same thing with me, especially over the last month. They say that they put through the larger amounts first, then the smaller amounts because they wouldn't want your rent check/mortgage pmt./insurance pmt., etc. to be returned NSF. How caring of them. In relity, they put the large amount through first so they can charge you 5 OD fees instead of just ONE! Beware of their fees for Authorization Holds! That's another way they get you!

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