![]() Their branch managers don’t know the difference between overdraft fees and NSF fees. Such awful policies that they change without notifying, skew words to their advantage, charge you fee’s without explanation, or give you explanations that don’t make sense. Only reason why I switched to them from Chase is because when I moved there was no Chase bank in my town. Awful terrible bank I would stay away if possible. I previously had Truist, banked with them when they were Suntrust for 8 years. They also don’t charge you a fee for overdraft protection either anymore. Then you have until 8pm to get it over -$50 even if you don’t, in most circumstances you still have till the next day to get your account over -$50 before they charge you an overdraft fee. If it’s already posted they’ll credit you the charge back while they’re investigating the disputed charge.Īlso have gotten pretty great with their overdraft fees, don’t get charged overdraft fees unless you go over $50. If it’s still pending depending on how large the charge is you can put a stop payment which they will charge you a fee, which may be worthwhile if it’s a large transaction. Phone customer support is also great imo too always pretty helpful especially in the fraud department if you have a fraudulent charge you have two options depending on how far along the charge is. Yeah Chase still does this with both credit cards and debit cards just a text to identify if it was fraud or not and then you can redo the transaction. If anyone knows of a bank that will send text messages to confirm an atm transaction with correct pin that is somehow blocked, I'd love to know. The atm 200ft away in a store that I had previously been a few weeks earlier was now blocked for no reason.Ĭhase's credit card sends me a text message on the rare denial that I can confirm and then redo the transaction. After 45 minutes dealing with this crap, I realized I should try the atm in the branch and that did work. Every number redirected to the exact same robotic phone menu with a hold time of infinity. I tried every number they had, the mortgage one picks up, but they can't help. It was the only fraud denial I have had, but you need functional support when this happens, and boa did not have any. The branches offer zero support and it's impossible to reach a person over the phone. Maybe she lied, but this is not a bank anyone should be using. I had one person accuse me of lying about this story, but I watched her type on her keyboard and tell the man his account was closed. He did not actually tell her to close it, he just wanted help. The lady told the guy in front of me that she closed his account because he was mad about something, and he said he would close it if there was no help. They refused to deal with any debit card issues, so I got no help. I had one happen to me at boa and despite having no branch by me at home anymore, i was out of town and there was one down the block. I think the real issue is bogus fraud alerts that deny transactions.
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