I bank at first convenience bank and love it, I personally like the fact that even if you are in need of a second chance bank, they don't treat you any different or charge you for having to have a second chance account. As far as overdraft if you keep a register correctly and monitor your account on a regular basis then you shouldn't see any. And I have done it myself and once I listened to the teller I understood what happened to make me go overdraft. I also have direct deposit so I get the $700.00 overdraft protection as well, I think your problem is you are confused on what that is like I was. It doesn't mean your protected from getting fees, but that your purchases will be paid so your mortgage check doesn't bounce if you forgot to write down a transaction and you don't have the funds to cover it, or so you don't get declined with a cart full of groceries that you need. the overdraft protection doesn't cost you anything unless you USE it. And as far as fraudulent charges on a card if you pay by phone that person making minimum wage has all of your information, if you give it to a waiter same thing, and shopping online through unsecured sites is also dangerous. Be cautious of putting the card number or your account number for that matter. You might try a new service 1stcb offers its called identity secure which monitors all that and much more for you if that is a persistent problem. But what worked the BEST for me was being polite while explaining my situation to the teller helping me, I understand the frustration that comes with problems on the account, but I'm sure that the teller that is waiting to help you did not personally do anything to your account. They are only a representative of the bank and from all my past customer service experience being genuinely nice and ask for them to explain what happened and how to help you resolve the situation and ask questions on how not to end up in the same spot, then they will most likely be understanding and do whatever they can to help you out with whatever they can. Which in my case was all but one fee which I was responsible for, the others were due to a hotel pre-authorization (there was a sign in the lobby I was just unaware they charged at check in and check out till they made sure I didn't cause any damage that needed to be charged to my card) Since I had never asked for a fee to be refunded before and was unclear that the hotel but an extra hold on my funds the teller waived all the unexpected fees as a bank courtesy, I'm 100% positive it was due to I wasn't making a scene I was attentive and knew that she wasn't personally accountable for MY account being overdrawn and I wanted to know how to avoid making that mistake again. She was very happy to explain and answer every question I had. I have a second account at chase bank as well and something similar happened with a gas purchase and I was told they only refund fees that are due to bank error, no exceptions. Positive thing and attitude produces positive results. Maybe next time try a different approach with the person that is capable of helping you, I have always been more willing to help someone that was calm and polite over someone lashing out and barking orders of what they want me to do for them especially when its a situation where the person in front of you has the CHOICE to try and help you, but by no means do they have to satisfy you as long as they are within regulations set by our government. Attitude makes all the difference, remember that the next time you approach a teller with the ability to help you at a bank that actually will refund fees as a courtesy to help you, make it a point to be courteous, it will give a much more pleasurable response and you might be surprised with the result. I have had nothing but great experiences with them since, and the teller that resolved my issue always greets me by name now and goes above and beyond to make sure all of my banking needs are met and even give me any new infromation on account choices or perks as they become available (While they were running the refer a friend promotion i made 119.00 just by telling my coworkers of my experience and satisfaction gave them her card and she did the rest while I enjoyed seeing a bank give me money for a change) Hope this might change your mind, just allow someone the chance to help you might see how prior instances may have been more pleasurable. Hope this helps someone realize that there are banks willing to help you they want you to be pleased with their services and can offer their customers a great banking experience I know I've never found elsewhere!
Since when does the responsibility of your son's money default to the bank? If he was mindful of his money and of his purchases I'm sure there wouldn't have been a negative balance in the first place. When will people stop trying to blame others for their ignorance and place the accountability where it belongs. I work hard for my money as well and never hurt anyone either, that doesn't give me the right to spend money I don't know if I have to spend or not. And as far as a phone call I would think you should to tell him to try the automated number that gives him the balance on his account if he wasn't keeping a register. Then He might have caught it before it got that drastic, be proactive and don't wait for someone to call you and tell you that you have spent more money than was yours to spend. Instead of being angry and blaming others, blame either you for not teaching him how to keep a register or blame him for not doing so and being irresponsible. I hope since he has kept up with his account better and won't have to await a phone call explaining he is yet again overdrawn
Why are they under federal investigation if you could post a link to your source so I can make a decision to stay or go I would really appreciate it, since most of my family banks there I would like to be able to give them a good reason to transfer to another bank, but if its true I don't want anyone to lose their money due to others mistakes and shortcomings .
Thanks So much
