I am not a hard person to please, so when I find a website and devote the time to telling my experience, that in and of itself should tell you something.

I recently moved to Bowling Green, KY this year, I have always been an avid Wells Fargo customer, but there aren't any out here where I can go, so I signed up with National City. BIG MISTAKE!!

Suffice it to say for a majority of the year I had only one disgression that was made known to me, but I called it naivity and went on. Later in the year Uhaul charged my card $80 instead of the $38 that I signed for. It was a merchant error, and National City was completely unwilling to work with me, not even give me advice. Their phone number virtually doesn't exist, and when you call their 1-800 customer service number they give you a false number. Any complaint you have can only be remedied at the branch you opened your account at...period. Eventually I went through the BBB and they refunded me the overdraft charges that incurred due to Uhaul's mistake, but would not go after the merchant for the wrongdoing.

My most recent gripe that is now making me switch banks is that I went on vacation. Prior to getting on the plane I spent less than $20 at 3 seperate locations and had over $400 in my account at the time the purchases were made. I left February 28th, deposited an extra $400 on the 28th and had my roommate give our landlord a rent check on the 2nd because I was away on vacation. I did not use that bank account the entire vacation. I come back on the 5th to realize that over $100 in overdrafts have been taken from my account. Apparently the purchases I made on the 27th and 28th of February didn't post until the 2nd. The bank's "computer randomly decided to choose my rent check to cash first"...so $696 came out first, then the 3 seperate payments of less than $20 and then finally they deposited the money even though the deposit came first, followed by the 3 least expensive purchases and then finally the rent check. When I went to a branch to ask why I was told to step into an office. Waited 10 minutes for the tellers to quit chatting with one another and after she told me what I already knew I was told there was nothing to be done about it because this wasn't the branch I opened my account with...I went to the branch I opened my account with and was told too bad, and if I didn't like it I should study my contract or close my account and leave.

So in short, unless you plan to remember every line of the contract you sign with this bank, I assure you... you will get screwed too! You are suppose to just "know" that merchants have 60 days to cash in on debit card purchases, or that their atm deposit takes 2 additional business days for deposits to go through as opposed to the typical 1. And when you don't know, it's not considered a "bank error". For every overdraft count on $34 to be taken out, and when there are 2 in a row an additional $20, on top of what is in your savings. It adds up trust me...this is the worst bank I have ever had the displeasure of being a part of.

Caution National City bankers with a Savings Account. National city in compliance with Regualtion D of the Federal Reserve will hit you with a $30.00 insufficent funds charge if you make more than 6 TRANSFERS from your Savings Account over the INTERNET.

While this is legal and in accordance with the Federal Regulation D, National City true to form does not provide any notification, or warning so they can collect yet another fee from it's users.

While they do have to charge a fee, it is not mandated what that fee should be.

Calling customer service simply tells you read all the little pamphlets they give you when you open an account. Save yourself by knowing of this in advance, and read up on this regulation.

Then send a letter to your Senator/Congressman demanding that if we must have this regulation then force the banks to notifiy you when you have comleted 4 on line transfers and advising you of the fee if you make 6 or more

I opened up a Checking account and was given a debit card as a minor. This isn't very ethical because minors tend to be less responsible, and have low incomes. So of course, I ended up overdrafting my account, apparently, instead of declining my card at the point of sale. The bank will charge 36 dollars for any amount overdrawn!

Well one vacation, after I had graduated, and I had 1000 from an open house for school. I deposited money in the bank so that I could use it to buy gas among other things. Since the bank decided that chronology is not important, I was overdrawn by hundreds of dollars. Not only could I not access the ATM because the bank randomly changed my PIN number while I was on vacation to get cash, but they had to take 100s of dollars of a kid's school money.

I called to see how much it would cost to just have my savings transferred over (assuming it'd be around 4 to 6 dollars), but no, it's 15 dollars per incident.

I decided this was ridiculous and switched to CASE Credit Union where the same savings to checking transfer service costs a mere $2. CASE also has the ethical policy of no debit cards to minors.

This bank is nothing but sleeze.

I am a Widow, who has been diagnosed with Severe, Rheumatoid Arthirtis in each, and every joint in my body. This is added to the two herniated disc's in both my lower back, and in my neck. Also, I have recently been diagnosed with Fibromyalgia, Plantar Fasciitis, Neuropathy in both feet, Serious Irritated Bowel Syndrom, Sleep Apenia, Severe Depression, and Anxioty, Panic Attacks, and I have Short Term Memory, Difficultly Concentrating, partly caused by having over 100 Grand Mall Seizures from age 19 to 26 years of age. I am also awaiting tests to find out if I have a Learning Disability.

I live with Excruciating Pain day in, and day out. There is not much that can be done, other then some risky surgery's. I have already had surgery in both hands, do to Carpal Tunnel, a Total, Emergency Hysterectomy, and several other major surgery's. I do not want to have anymore surgery's, and I worry about how many times I have had to be Ex-ray's, MRI's, Catt Scans, that I glow in the dark.

All this makes it very hard to keep track of all my paper work. It's kind of like, 'Out of site, out of mind', with me. Plus, we have so much paper work, that ends up getting plied on the kitchen table, so if I can't see it, I will forget. I even forget what day it is, or the date, all the time. I walk from one room to another, and cannot remember what I was going to do. I understand that this happens to everybody once in a while, but it happens to me constantly.

Anyway, I have been here in Dayton, since March 2003, and I hired a lawyer to assist me in getting S.S.I. and, now I filed by myself for S.S. Disabled Widows Benefits, which I'm still waiting for. In fact, I am awaiting a Hearing before a Judge, but it's taking forever. They told me that I need a Bank Account so that when it is approved, it will have a bank to be sent to. I have been receiving Disabled assistance from Job, and Family Services. It's a whole $115.00 once a month. Several times, when I got an Overdraft on my account, I had to pay large sums of money to put a stop to the Daily Bank Fees, to stop them from charging my $8.00 a day. And, again now, they have charged me with $500.00 in Late Fees. I don't understand why they keep approving any purchases that exceed my account balance? I went to talk to them Thursday, and they wouldn't even let me close my account. So, again I asked them what I can do to stop it from adding up more. And, I was told that I owe them a whopping $500.00! Now that may not sound much to some people, but for me it might as well be $510.00! I asked her what I can do to stop these daily charges? Not only the $8.00 a day, but they actually charged me 20 times, with amount's like, $75.00 to $510, in just 20 days. I Pled with her for something I can do to stop any more Fees? She told me she would cut my card, and then told me to call Loss Prevention to get my account closed, and that I can work it out with them, because they would not accept the small payments I wanted to pay, like only $15.00 or $20.00.

I did call, just yesterday, and they told me that the ONLY thing that can be done, is to, 'Report me to a Collection Agency, who will send me something in the mail, and then I can try to work it out with them? Not only do I worry about not having the money, but it is going to hurt my credit score as well. I don't know what my score is, because every web site I use wants to charge me something. It's not Free, like they claim to be, but I know its pretty good, because when I was looking into an onling business to make some cash, the man told me, 'Your credit is not as bad as you thought it was.'

I am just so upset about how they keep doing this to me, when they are quite aware of my circumstances, and that I only get $115.00 a month? Why do they keep approving any purchases, if they know it's under already? Plus, they are quite aware that I am unable to pay that kind of money? A few times, when this happened before, when I reminded them that I am waiting to receive S.S.D.W.B, and will have a large retroactive payment, and I need a bank to put it in, they worked something out with me, so way can't they do it now? Oh yea, and she told me she was, 'Putting something on my record, so that I won't be able to open a bank account, ANYWHERE! Is this normal? How can it be right? Even one of the tellers whispered to me, 'I know. It's a shame, because they do it to the people that don't have the money to pay it!

THE WORST BANK OF ALL TIME FOR SURE. I HAD A OVERDRAFT OF .39 CENTS I MEAN CENTS AND GOT CHARGED 36.00 FOR .39 CENTS WHAT THE HECK SOME WHAT IS THIS?>> I WAS IN CHICAGO AND USED MY CARD AND THE HELD THE CHARGES FOR 2 MONTHS THEN LET THEM GO THREW MY ACCOUNT AT THIS TIME I HAD A ZERO BALANCE AND THEN THEY CHARGED ME 2 36.00 FEES FOR ONE TRANSACTION LEAVING THIS BANK ASAP. DO NOT WANT ANYONE ELSE TO GET SCREW BY THIS BACK.. I GUESS THIS IS ONE WAY TO SAVE THE BANK FROM THE ECONOMY RIGHT?