My checking account was closed today without my request, knowledge or consent only 24 hours after going to a 0 balance. No one at the bank is sure why it went to a 0 balance in the first place. I had money in my account, I went to the grocery store and asked that a certain amount be withdrawn on my bank card from my checking account and the remaining balance be put on another credit card. Instead, the remaining balance of my checking account was taken out. This was not the store cashiers fault as she couldn't have possibly know the exact balance of my account. This resulted in the 0 balance in my account. Subsequently, my account was closed the next day. I was told this was standard practice. I only discoverd the problem because I was expecting my IRS federal tax refund to be deposited in my checking account so I was watching for it. It was only when I could not access my account online and when I was not given a checking account option through the phone automated system that I called and spoke with a service rep who informed me that the account was closed. It defies logic that an account would be automatically closed with 24 hours of a 0 balance with absolutely no communication to the customer. MB not only has my phone number, my address and my e-mail address, I am signed up to receive e-mail alerts, why was I not contacted in any way before this happened? This is not only absolutely mind blowing but incredibly irresponsible on MB financial's part. I can understand perhaps getting in touch with the customer once the balance of the account had been at 0 for 2 weeks, a month maybe and asking if it was their intention to close the account but 24 hours!!! That's insane. My salary is direct deposited into this account, I have bills that pay automatically from this account and I would not have known there was a problem under normal circumstances until my work check was bounced back and bills started to not process through and be sent back. Not to mention the unholy mess they would have created if my IRS refund bounced back to the government, it could have taken weeks if not months to straighten that out. This is not the first problem I've had with MB and the only reason I've stayed with MB is because I love the tellers at my regular branch who have been wonderful dealing with any issue I have. Unfortunately, this last issue has destroyed any faith that I had left in this particular institution. They have a wonderful local staff but whoever is making their policies obviously has no regard for the hundreds of thousands of "little people" that do business with them.

In March 2008 MB financial bank was publishing in Chicago Tribune and different

local newspapers the promotional ad stating " Open an MB Free Checking Account

with Direct Deposit and get $200 - with no monthly fee and no minimum balance"

I opened the account on 3/18/2008 and within one week I setup a direct deposit

from my employer. Four months later, I did not receive anything from MB bank.

I called them, and I was told that my direct deposit is too low to qualify.

No lack after contacting the corporate office.

I still have the copy of the original promotion and I did read all fine prints.

Nowhere it is said about any minimum amounts of deposit and none of the bank

employer ever told me about it or I received any written notice from the bank.

I consider this matter as a "false advertisement" and I'd like to report it

to the appropriate agencies.