I had a draft on my account of $49.50. I had in my account at the time of the draft. $48.80. First citizens Charged my $35 for a .70 cent difference. I have been with First Citizens for over 13 years now.
Ken
Colorado,#2Consumer Comment
Tue, December 10, 2013
The original poster hasn't yet said whether or not this has happened before and how many times. It looks pretty constructive to me. Has the last (liberal) poster had similar problems.
believeingoodpeople
Alabama,#3General Comment
Mon, December 09, 2013
If you are a customer of 13 years they should definitely have waived that fee especially for 70 cents. The other comments on here are completely irresponsible in my opinion. What ever happened to good customer service and value of customers, after all, if it werent for them these companies would not stand.
Tyg
Pahrump,#4General Comment
Mon, December 09, 2013
Its called a NSF fee or OVERDRAFT fee. Your time as a customer with them has NOTHING to do with it. You and EVERY OTHER person who overdrafts and ends up spending THE BANKS money has to pay this. Its not a ripoff nor is it a scam. Thats the cost of NOT having the amount in the account to pay what is requested.
You need to go to the bank and REQUEST that no transactions go through if there is not the cash. In other words "take off overdraft protection". This just means that if your in a situation where it is vitally important that you make a purchase and you DONT have the funds you WILL NOT be able to do so.
Ken
Colorado,#5Consumer Comment
Mon, December 09, 2013
they MAY work with you if asked. If you DO have a history, get over it. There is no minimum amount for a short check.
You didn't bother to mention if this has happened before or how many times. Your point, apparently, was that it's wrong to charge a fee when you're "only" 70 cents overdrawn..right? What amount SHOULD be allowed before the NSF fee? Then if it's say $5.00, you'd be back saying you overdrafted only $5.70 and they wrongly charged you.
No, I DON'T work for or bank with First Citizens.