The bank offered a promotional incentive for the opening of new accounts. The offer initially began as a promise to provide a $250 Visa gift card for the opening of a new account and the meeting of certain criteria (direct deposit, etc.). After I opened my account, I brought my teenagers to open accounts for them. By then the offer had been lowered to $150, which was fine.

The problem is that the bank never provided any of the cards. Only after I made persistent calls to the bank did they noffer to deposit $200 into my account, which I declined. They deposited the money anyway. The deal was $250!!! To date, they have not given my kids anything.

We had a horrendous experience with National City bank in Coldwater, MI. We originally went in to refinance our house at a lower advertised rate and to open a new checking account. We were told we could get overdraft protection. At one time, we decided we had to use it. To our utter dismay, they invented a story that they had called us and said we did not get the overdraft protection. We never received any such call or message. They worked us over until they built up hundreds of dollars in overdraft fees. We went in to talk to the manager. She would not do anything.
One time I made a call inquiring about a service and one of their rude employees told me I should just go elsewhere with the account. Then after I had deposited a large check from my inlaw's large estate and we had verified the issuing bank had sent them the money, they made us wait 8 more days to have it posted. When I went in to inquire about the deposit, the
teller, in a loud voice in front of other customers yelled at me saying, "You don't have anything in your account." I questioned her about the large deposit by check and she rudely told me it was not posted so I had no money in there.
While we were on vacation out of state, I wanted to make a deposit using my mastercard...the Coldwater branch told me I had to bring the card in for them to do it (I was 2000 miles away!!) I called another nearby National City Bank and they said it was no problem.
The crux of the problem perhaps???...the house loan was not approved. THey did not need us to have a checking account there if they couldn't get the mortgage money out of us. Of course they found a way by their exhorbitant overdraft fees and policies.
Anyone can make unethical rules and say people have to follow them or they are penalized financially and embarrassed in front of other clients. I found out what agency to file a report with but all they did was contact the bank, listen to their lies and take their story for it.
Who trains these people in customer service? Why are some so dishonest? I have some thoughts on that, but I'm not going to say it here.
I would highly discourage anyone from using National City Bank.

I am a collector and I know the laws. They call the home of a past due account holder every 15 minutes. Even when they are told the person they are trying to reach can not be contacted during the day..I have never banked with NATIONAL CITY and due to this I never will.. LEARN THE LAWS AND STOP CALLING!!!

I obtained a motorcycle loan through National City on June 5th of 2008. I handed them the title and I was told they would be taking care of registering the bike. After a month I called to find out where my title is and they said it was on the way. This went on for months. Finally in December of 08 they had admitted the lost my title right away in the beginning and they had no clue where it was. At this moment I decided I was going to take all my money out of the bank and pay the loan off. After numerous phone calls and numerous lies I was finally helped by a manager named Ed. He contacted the previous owner of the bike who took his own precious time to go to the DMV to make a duplicate. Fortunate for me, he was trustworthy enough to not report the bike lost or stolen considering I did not own the bike and National City was not the lien holder. Simply put, I was paying for and housing a vehicle I did not own and that could have very easily been reported stolen. I paid the amount due every month to National City for a vehicle I did not own and was not able to operate due to their negligence. After I contacted the previous owner we set up a time to meet so I can get the title and try it again. After receiving the title, I was told that I would have to pay the money due in order to get it registered. If this were the case I do not understand why the ever kept the title in the first place if it was my responsibility to get it registered. After this happened, I took all my money out, transferred the loan to another bank and have attempted to close my accounts. I went into the branch on Moreland Blvd on 01/08/09 to close my accounts and I was told it will be officially closed during the next cycle. It is now two months later and my account is still not closed. It took me nearly 9 months to receive my title but in no way should it take more than a few days to have my accounts officially closed. I have gone into the branch on more than one occasion and I have been told everytime to just give it a few more days. A few more days has gone and passed numerous times and I am fed up with getting the run around and need this to be taken care of. I should not be able to access my account online anymore. There is no reason why this should not have been able to be resolved in person but I am starting to understand this is how business is done at this bank.

National City Bank is offering 2.0 intrest on a money market acct. I went there to open a checking and savings acct. with them and asked if I could get the 2.0 and free checking.I was told yes. I had 52, 000 to deposit in the money market and thought I was getting free checking. When I finally got all my checks and stuff in the mail I re alised they had switched me to an intrest checking acct. which would have a monthly fee. In the fine print it said free checking wasn't elligable with 2.0 market acct. I went to get my money out and was told I would be assessed $30 per acct for closing before 6 months. I told them they have no right to take my money through a outright lie and then deposit in another acct. that I didn't choose. And then tell me if I want my money I have to pay their $60 extortion fee. I filed a complaint with the Atty. Generals office in Columbus Ohio.