Skyla
Just another bank that treats you like crap, but it’s just to keep you safe
I’m so done with this bank. I didn’t voluntarily become a customer; my beloved local bank was sucked into this regional company. I’ve put up with their idiotic policies for years: daily limit on transfers out of $1k, daily spending limit on my debit card that won’t cover a trip to the veterinarian (eventually I had to beg and apply for an increase) and unexpected declines of debit card for possible fraud—ok you could argue that these are all intended to limit theft and fraud and ultimately protect me, the customer. But now they’ve flagged a check I deposited (from a large semi-national bank) as possible fraud and while we await its clearing, they’ve locked me out of my online account access. Because, it’s about protecting me they say. Although if the check bounced, they could just charge me the punitive fee and move on. No, it’s really about THEM. As the bank manager explained when I went in person to complain, while the check was pending, I could be writing big checks to myself and cashing them, so the bank would be out the money by the time the check failed to clear. Except, ok I can STILL do that right now, I just can’t check my balance online. Because a “pending” deposit does not contribute to the “available funds” balance, I would not be able to use online access to transfer the full amount of the check out of my account. No, despite being a customer of over a decade, despite a credit score of 758 (it would be higher, but I literally have NO outstanding loans or credit card balances) they’ve decided that I am the probable money-laundering fraudster. The funny thing is if they did some basic googling, they would discover they’ve lost what could’ve been some really lucrative business from me and my family and extended family.