We did did business with this bank for a home equity loan and also opened a checking account for the short 6 month duration we had the loan. After we closed out the checking account we started receiving phone calls from a collection agency which went on for 2-months due to overdraft fees! These Morons at KeyBank are unbelievable and their service is so poor. We had other service related issues before this episode. It took at least 8 calls to the local KeyBank branch to clear this up. Steer clear of KeyBank!

My wife's 96 year old mother has a checking account with BB&T in which her SS check is direct deposited on the 3rd of every month. Every month two checks are written from her account to pay the nursing home where she lives. The checks are always dated the 3rd of the month and mailed so as to arrive at the nursing home on the 3rd. This month (March) they arrived early, on the 2nd, and and deposited immediately. The bank honored the deposits even though they were dated the 3rd and then charged my mother-in-law $70 for two overdrafts. The bank said they did nothing wrong and won't refund the overdraft charges. There was enough money in her account to cover the small check but the bank took the large one out first so they could charge the 2nd overdraft fee. The bank couldn't be bothered to check the account history to see the activity. There was no concern for the customer. It looks like this was seen as another opportunity to make a little money.

Beware !! In the last couple of months Wells Fargo has changed their online banking procedures in a way to easily rack up overdraft fees. I personally went in and spoke to a banker on 04/2010 to have all over draft options turned off. This does not matter you will still acrue overdraft fees through their creative accounting process they have recently initiated.

It works like this...
I had $1000 in my joint checking with my husband on the first of May. I spent most to pay all the months bills and buy gas and groceries on the 2nd. Midnight of the third my husband transfered $250 to his eagle cash card for him to use in Iraq (he is an active duty service member currently deployed). His transaction was made last but it overdrew the account by $50 which should be fine because we have the money in savings and I am supposed to get alerts via email that also comes to my phone immediatly.
The creative accounting comes in here. They left all purchases as pending for three days and proceeded to approve in order the biggest amounts first which was rent and his transfer. They changed the date of his transfer request to reflect that it had been requested and made BEFORE the small purchases which was incorrect. Because of theire switching and pending tricks they were then able to access overdraft fees on 6 pending actions. I happened to check the account before midnight of the pending transactions that would technically cause overdraft and tranfered $300 to make sure it was all covered and no fees were given. They posted my tranfer as the NEXT business day when I went to look again and went ahead and assesed 6 $35 overdraft fees. I cover the amount and call and talk with a banker about transactions not going through in the order they were made and get no help. So I resolve to speak to a banker the next day. TWO DAYS after I have fixed this problem I get the notification of insufficient funds. I call to tell them as am example that their system in incorrect and not giving notice in accurate time, they do nothing but agree I am not negative in my account.

Until I figure out if this problem was me or them I cancelled all cards to this account. I have a direct deposit that goes in the 1st and 15th of every month. Memorial day weekend (3 days before the first) I notice that my direct deposit has reflected as available. I am confused because my pay Never comes in early unless the first or 15th is on a saturday or sunday or a major holiday. June 1st is on Tuesday the day after the holiday. I open to account activity and realize this is not actually money available. They had it pending for June 1st and by doing so it allowed me to use money that I may have thought I had but on the first they would process all debits as a weekend purchase before processing the credit of deposit so that they could cause another $400 in overdraft fees with me realizing and in the end the way they process it makes it seemingly my fault even though they make it appear on the overview page as if it is available. I would also like to mention that formerly my deposits were never pending online. They did not show until approved and available, so this is a new trap. Beware!

They will run all your debits first in order of largest amount of money not in order you made them and they will pend all deposits while processing debits first, even if you made them at the same time. This way they can charge you $35 and make it appear legit, as if you did not make your deposit in time. They will switch dates of purchase made to reflect day it was processed instead so that the accounting appears correct and not creative. They apparently will also now show you money pending as available before it has processed or been deposited so it appears as if it is available to spend when it is not yet. When you do spend they will process debits first and further pend your deposit and change deposit date to reflect date they finally processed it.

I will no longer be doing business with them.

THE BANK HAS STOLEN $915.00 FROM MY CHECKING ACCOUNT OVER A PERIOD OF 3 WEEKS, TAKING $305.00 EACH WEEK. AND THEN, THEY CLOSED MY ACCOUNT AND THEY HAVE NEVER AGREED TO RETURN THAT MONEY TO ME AND GIVE ME BACK MY CHECHING ACCOUNT THAT I HAVE HAD SINCE 1970 (FOR 40 YEARS). I WANT MY MONEY BACK.

It’s time to return TD bank back to Canada. Today started out as a proud parent of two young girls when I brought some of their Girl Scout Cookies to sell at my office. Returning home I told my girls that I sold 4 boxes of cookies at work. They were so happy over 15 dollars they ask me to deposit the 15$ into their nonprofit checking account at TD bank in Chalfont pa. Good day so far. Looking for a deposit slip my wife told me that TD started charging the Girls of America 25$ a month fees for their account. The only started few months ago. These poor girls are working so hard for some arts and crafts. I think this wrong and TD bank should reimburse these fees. It’s Ironic that a Canadian bank charging the girls scouts of America for a small checking account. Go back to Canada.