My Cash Back checking account went down to a $0 balance...not overdrawn, but strictly Zero balance. Apparently, their banking system automatically closes your account without any prior notification when you have a zero balance. I have automatic deposit going to this account and it closed the same day I suppose to get paid. I called the Customer Service Center. They told me I need to reopen the account-meaning I need both all mine and my husband's personal information including driver's license number. My husband and I work opposite shifts. The rep informed me they're open 24/7. When my husband got home from work at 11:30pm, I called and then was informed that the department that opens account closed for the weekend already. The rep then informed me, she can TRY but I would really need to speak to an account specialist and then they need to contact my local branch (which is not open on weekends) and then contact the dept. of direct deposit to make sure my money wasn't sent back to my employer...all this will have to wait until Monday. Until then, I have NO access to my money. NONE!! I have bills to be paid and groceries to buy for my family. The change I get from this Cash Back checking account is definitely not worth the hassle and inconvenience. STAY AWAY from MI bank. I didn't think there could be a worse bank than Associated Bank (bought out my old bank of 15 years) but M&I surpassed their horrible rates and services - Bar None!!

We are continualy getting $30.00 late and insufficient funds charges that are a lie. We pay our bill on time or before. We sent in a check for a payment 9 days in advance and they clame they did not get it so sent a $30.00 late fee we paid the late fee and gave them an e check that cost extra because it is not an electronic payment . They said to cancel the check we had sent. recieved another late fee and paid it. Sent another check for the late fee and the sent another late fee, late fee. They were applying the late fee to the balance an not the late fee widh we were not late. Then sent an insufficient funds fee on the check they told us to cancel payment on, they said they would not process the check we had stopped payment on . You know if they have 1000 accounts and sent them a $30.00 late fee every month in one year that is$360, 000.00 a year they make as a lie and can pay someone $60, 000 a year to take the grief and come out ahead $300, 000.00. You know they can let the check sit on a desk and there is nothing you can do about it. They just turn you in to the credit agencys. I want someone to check on this, not right for these giants to take advantage of the American public especialy when the tax payers of this country have just sent the banks 700 BILLION DOLLARS of tax payers money. This is a scam and must be stopped at any cost.