Alright, so I am currently with Sunmark FCU. They suck dick, they’re like nazis with overdraft fees, especialy when there shouldent be any. Basicaly because of 1 thing being on hold caused 3 other things to overdraft like 3 dollars, causing 4 overdraft fees total, and then all the money was credited back in my account like an hour after the Nazis charged me overdraft. So i call them up being polite, saying look, because of a couple dollars due to something being held, i now owe 120 dollars in overdraft fees, this is ridiculous, the lady said she aggreed and taht it shouldent have happend in the first place but theres nothing they can do.
So I made my way down to the nearest ATM, took out everything in 100 dollar intervals (extremely suprised the ATM let me do it as many times as I did) Told sunmark to fuck themselves, and now am looking for another bank.
I have no problem paying overdraft fees when I take out a substantial amount of money I don’t have. But im very good about keeping track of my funds, but over a couple dollars owing $120 in overdraft fees is ridiculous.
What banks do you guys have, how are they with overdraft fees? Do they offer any overdraft protection? etc…
Yeah so do I, every day before I go out if I knwo im going to spend money. But apparently there was some big fee hiding in there somewhere that I did not see that was on hold, causing a couple things to overdraft maybe 6-7 dollars total. But of course each of those overdrafted, then the money being held was transfered back into my account along with 1 other purchase that got overcharged, so if the Nazi’s waited an hour these fees woudlent exist.
But I went and took my money out ASAP before they took it on me, they werent happy about that, I dont really give a fuck
HSBC for me. No ATM fee if you use one of their ATMs… YES! Who cares about the overdraft fees? You shouldn’t be doing that anyways so it shouldn’t matter.
dont spend more than you have. i think all banks have overdraft fee’s. ive never overdrafted my account so i dont know if i get hit with a fee or not. but it wouldnt help you anyway, my credit union isnt open to the general public
Yess all banks have overdraft fee’s, but like I siad I have no problem paying one of I do and I know. There was money in my savings account, and before it got transfered over I got hit with multiple fees, even after a couple places that I used my card at refunded me a certin ammount. Its ridiculous
You’ve don’t look at your bank statements very carefully, do you…I mean the BANK’s atm fee, for example…I have SEFCU, if I go to the Citizen’s Bank ATM (drive-thru ftw.) the ATM charges me $2 to withdraw funds, and SEFCU charges me $.95 for using another bank’s ATM…the BANK fee is what WaMu doesn’t have.
As far as I know my bank does not charge for those fees. I’m looking at a statement right now and its not there, so unless they’re sneaky assholes and not telling me about it, it doesnt exist.
I switched to SEFCU from Sunmark when I took out my car loan a few years back, just made things easier to do everything through one bank. I never had a problem with them. I charged gas to my debit card the night before I got paid, and the next day the gas went through before my check did… well nice folks that they are, SEFCU waived the over draft fee even though technicaly it was my fault.
now to the OP. keep money in your checking account if youre gonna be using it. having money in your savings isnt a good fall back plan for avoiding over-draft, even if its there you could still get nailed with the fee… and i as far as free ATM’s its free at Sunmark, Keybank, and my Credit union, so i limit my use to those.
Yeah SEFCU has been awesome, you just have to fight to get the number to a local branch, I hate calling the retards at the call center, but every time I get a hold of a branch manager they’re incredibly helpful, especially the Clifton Park branch manager, her name’s slipping my mind right now but she’s nice, and understanding as hell…er…well you get the point.
It pleases me to know that my lifestyle effects you so greatly that you feel you have to mock me because of it, I do love having a fan base.
Idk what problem you have with me, but you seem like a pretty fake person, act cool around people to their face then turn around and talk shit about them.