Me
Ohio,#2General Comment
Sun, January 20, 2013
You state you checked online at 11:00pm and the check did not appear. This is UNIVERSAL in banking. Paper checks ALWAYS post as daily transactions are finalized shortly after midnight. Until that time, the check is UNKNOWN to the website. Assuming everything you say is true, the bank did NOTHING wrong or even slightly unusual.
Jim
USA#3Author of original report
Sat, September 08, 2012
In response to the first comment posted...that holds true if the bank tells you that the online banking system is 48 hours behind. The problem I experienced is that I was told by the customer service rep and the supervisor that the information is correct online...at no time have I been told that there is any delay.
One of my points is that information at the bank changes based on who you talk to. When a banking representative tells us one thing and then based on that information we do what we are told to avoid this situation and it happens anyway...that is the bank tellers fault, not our own. We went out of our way to confront a problem before it may occur and based on the information we received, we acted based on the bankers information. We deposited what we were told to deposit. The overdraft occurred when they posted a check prior to the deposit which according to the teller should not be backdated. When a time cant be given to prove they are correct and we are incorrect, that is suspicious.
The ripoff is that the bank conveniently changed the time of the deposit and the withdrawal of the check to benefit them by charging me an overdraft fee that should not have been charged...That is a Ripoff!!!
unknown
Loveland,#4Consumer Comment
Sat, September 08, 2012
I have been banking with banks for over 50 years and wanted to let you know, NEVER EVER go by online. It is never updated. It normally take sometimes up to 48 hours for debits, credits, checks, etc. to show online..Still then I would not go by what it says. Go by your check book only. Even customer service and including the supervisor could not tell what is coming thru.. I see no rip off here. I have been a teller with a credit union and there is NO WAY we can see the copy of the check that was scanned in the system before it post. This is DONE all electronically..Just remember NEVER EVER go by online or the automated system to do your banking..They are never updated for 2 days..