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 !!!

Beware of ANY "promotions" FIFTH THIRD BANK may offer. Many are just shallow promos designed to sell you a "service." The latest was their SCRATCH OFFS. I "won" 53000 "miles" IF I were to apply for a FT MasterCard. I did and was DENIED. I have 3 other credit cards which are paid off monthly. I have over $85, 000 in local bank holdings and total assets over a half mil. AND I WAS DENIED?? The reason was obvious: they didn't want to give me my "won" reward points.
I wrote to "J BARTON" of BankCard Credit in OH and NEVER RECEIVED A REPLY.
Bottom Line: THERE ARE BETTER BANKS OUT THERE
I was really surprised when I started calling other local banks, told my story briefly, and asked them what they would GIVE ME if I transfered all my 5/3 accounts to their bank.
If you are currently with 5/3 seriously consider OTHER BANKS that will be more honest.

I have a joint account for my handicapped daughter and as with everyone these days money is tight, so I look-up on the internet everday concerning the account. I called the bank one day and was told a check had gone through and that I was in good standing, so I wrote a check for a bill. Well apparently that night they sent an overdraft fee of $33.00 which put us in the hole, So I called and they took off the overdraft fee. Only to have it show up the next day. I called and raised cain this time and they said with my great past of banking with them for 12 years they would wave it again. Guess what the next day OVERDRAFT FEE, so I went in and talked to a supervisor she took off the third $33.00 mistake, well tomorrow will be day 4- what do you want to bet! WHEN my checks go through the first of the month (I have direct deposit) I am moving on from 5th3rd and their greedy hands!!!

After this being the SECOND time that this ridiculously absurd bank has given me and my partner the run around about our account, I felt it was due time to come and complain. First and foremost, Fifth Third Bank is a predatory fee bank. Jacob and I switched from Lafayette Savings Bank to Fifth Third Bank about a year ago when we moved to Indianapolis. No idea why, but we did.

Long story short. We overdrafted our account by 45 cents and were charged $148 in overdraft fees due to "Pending Transactions." I sat on the phone with Customer Service for a decade and a half with some ignorant SOB named Michelle who decided to treat me like a four year old and explain "finger painting by Fifth Third."

Well let me tell you something, I don't appreciate being spoken to like a four year old, number one and number two, they call other banks loan sharks (like American General Finance). HAH! Excuse me, but that's almost 35000% interest on $0.45.

Just watch out. These people are horrible and don't help worth a damn.

I have read reports submitted against Fifth Third Bank Corp in regards to their methods of creative transaction alterations to unfairly create debits against member's accounts... I AGREE 100% and feel there should be a Class Action Lawsuit against Fifth Third Bank Corp.

Personal Incidents-

1. Fifth Third has withheld debit transactions for extended periods of time then strategically batch posted them while delaying deposits to overdraw the account. They then proceeded to initiate overdraft frees per line item.

2. Direct Deposit- Payroll Direct Deposit is to be posted and available for transaction the day of the posting. On Aug.30, over $4, 000 from payroll was direct deposited into my account. On that day, resulting from their creative transaction management methods, one of their batch postings of debits took the account negative and was overdrawn by approx. $200. Fifth Third did not credit my account of the direct deposit payroll. As oppose to crediting the account, they placed the funds that should be available from my direct deposit on hold.

It forced me to visit the branch office on Saturday morning to discuss the issues. I was told by the acting lead officer that the reason for the direct deposit being place on hold was because she personally placed the account on hold because of the overdrawn status several days earlier. During that discussion with her, I later understood, thru her own admission, that if I hadn't physically visited the office to resolve the issue, my account would still have been on hold status with no funds available.

I then asked a simple question and attained an answer that clearly points to Fifth Third Bank Corp. practicing unethical transactions at the cost of their members: My question was, 'when an account is place on hold, is it done manually, as in by a person and not systematically'; her response was 'yes'. I then asked, when an account is overdrawn, are overdraft fees debited from account thru automation, as in automatic thru their so called 'robust' system, her answer was 'yes'.

Finally my ending question to her and my point- In this day of technological marvels, why and how, from an ethical standpoint, can Fifth Third, or any other banking institution get away with running two systems (manual and automated) that clearly preys on members funds to benefit their organization.