On December 12, 2008 I was on sick leave and my employer did not deposit my sick pay on my check. So that caused a over draft, What I do not understand if there is no money in a account why are you paying out money that is not there? for a over draft of 185.00 I was charged 400.00 in 2 weeks time, Then my employer sent my sick pay in 245.00 on the 24 of december that should of left me 155.00 overdrawn No on 12-26-08 another pay day payday loans came due again they paid them again with this account overdrawn, (And they tried to say banks didn't have money). Now it is up to 497.20 overdrawn before their fees today. They called and left a message on my machine and that it would be in my best interest to make arrangement on this. for one thing I do not go back to work until 1-1-09 and on 1-9-09 they are gonna pay these out again. every two weeks, I will never get caught up.

I asked on the 12-12-08 for this account to be shut down and they wont until it has a clear balance. the man I talked to at the bank was trying to help me he tried to put a hold on that account his corrupt office would not let him. Said that there is nothing they can do. STOP PAYING OUT MONEY THAT IS NOT THERE.

I make deposits at this bank, receive my deposit tickets with today's date, and everything is ok... I drive off a happy camper thinking I have so many dollars in the bank. Then I start getting hit with $36.00 charges for insufficient funds for being $2.00 below my balance. Then research shows the bank is holding deposits I made to be sure they clear. So my deposits are never credited at all !!!

Back in the olden days, a bank teller would say 'hey we are going to hold your deposit for 7 days to be sure the funds are good'. Now they pretend you get immediate credit for the deposit, but never credit your account for the deposit until they feel like it, or until they hit you with about $300.00 in NSF charges.


Not sure when the people are finally going to give up on these scam artists, that our government has licensed to steal.

Like Father like son... Our Congress and the Banking System... Two thugs in bed together.

Just be careful of this bank. Open an account there for a free tote bag, and you'll pay hundreds of dollars for it!!!

Agree with everyone. This bank will change the rulese mid-game, slap you with fees, and then treat you like a piece of human garbage when you call. Their customer service reps might as well be robots programmed to demean you and refuse your every request. I've been dealing with one stinkin' "over limit" fee for over two months now... long story short, this fee is a result of some super predatory and unethical business practices on the part of Fifth Third... and I for one am totally fed up. My question is, what does it take to bring a class-action lawsuit against a firm for unethical practices? Or, if that's not possible, what type of lawyer should I look for to at least help me get my individual matter settled?

These Criminals a.k.a Thieves took over my bank -- First Charter -- sometime last year and have since raided my account for over $600.00 in Overdraft and Daily Overdraft Fees. Their daily overdraft fees are $6.00 per day including Holidays, Saturdays and Sundays when if you did make a deposit, you do not get credit for it until maybe Tuesday if Monday is not a holiday.

Their computer system is set to steal from you in that it if you do make a deposit on the same day that a debit is coming through, guess which one will post first? When your account slips into the red, it's raiding time!

Their policy is to send you a notice via snail mail (As opposed to email) and you better read it quick fast and in a hurry as they are poised to begin ripping you off of your hard-earned money!

They also know that once your account goes into the red with one transaction there are other transactions that typically follow making it more difficult to bring your account back into the black. Adding insult to injury is their Daily Overdraft Fee, which I have never heard of until they took over my bank.

Their excuse and justification of ripping me off is that I should change banks which means that I will no longer have the right to contact them to complain about their predatory practices and it also means that they will get to keep the more than $600.00 they have stolen from my account in just over a month's time.

I researched the Uniform Commercial Code of North Carolina, however, did not find any law that allows them to charge a Daily Overdraft Fee. I posed this question to 5/3's legal department and have yet to receive a response.

They insist that I agreed to this fee, however, have yet to produce a document that bears my signature. The moral of the story is that before opening an account with any financial institution -- especially the fortune 500 ones -- you should do a quick search for the term 'Fees' on their website. These crooks are worst than street drug dealers and bank robbers who in my opinion have a higher sense of morality. It is no wonder that they are having such tough times these days. What goes around comes around!

People should start keeping their money in a hole in the ground like our 'smart' ancestors! That way if they try and steal it from there, you have every right to put a bullet between their eyes!

Fifth Third is the only bank I've ever had that purposefully enters checks/debits prior to deposit/credit postings that arrive on the same day just so that they can charge their ridiculous overdraft fees. If you have 5 deposits that post on the 1st of the month, you can be assured that any check/debit that gets to the bank on the 1st will post before ANY of the deposits regardless of when they arrive.

In addition, any non-cash deposits are at risk of being 'held' just long enough to cause additional overdraft fees.

Their website offers you a useless 'Daily Balance' that means nothing. It can be positive and items can still bounce because the 'daily balance' does not necessarily have, what they consider, cleared funds. Your daily balance and available balances can be positive, yet you can be charged NSF fees if a check for a lesser amount hits that day. Everything they do is slanted to put you at a disadvantage and provide situations which allow them to take money from you.

Lastly, an account created on the Internet can only be closed by visiting a branch, unless you do what I did which is zero out the account and just let it sit there until they decide to close it for you. Worst banking experience of my life and if you like being robbed, hurry up and open an account there. If it wasn't for the innocent people that would lose their jobs, I would wish that this bank failed tomorrow.