• Report: #728287

Complaint Review: Capital City Bank

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  • Submitted: Wed, May 11, 2011
  • Updated: Mon, May 19, 2014

  • Reported By: Scott — tallahassee Florida United States of America
Capital City Bank
Internet United States of America

Capital City Bank bounce protection is a scam, Internet

*Consumer Comment: overdraft protection

*Consumer Suggestion: Once again, "mr rik" is wrong

*Consumer Comment: If you had "bounce protection"

*Consumer Suggestion: This is what happened

*Consumer Comment: But what does your checkbook register say??

*Consumer Comment: Bounce protection?

*Consumer Comment: Better idea

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Capital city Bank Their so called bounce protection is not a protection for the customers, but a device for them to con their customers out of their hard earned money. They will approve small amounts of debits and checks, and if you then debit a large amount from your account, a week later, they then rearrange your account so that all the small debits, that were posted and already debited, they will then take the larger amount and post it first, throwing all the other debits of the smaller amounts to have 32.00 overdraft fees. How is this helping the customer? on line, in the offices, and at the atm it shows that you have enough to cover the smaller debits and may be shy just a few dollars for the larger amount, but again, when the larger amount is debited, they see fit to then go back and redo your account to throw the smaller debits in overdraft! Do not use Capital city bank!

This report was posted on Ripoff Report on 05/11/2011 10:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-City-Bank/internet/Capital-City-Bank-bounce-protection-is-a-scam-Internet-728287. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

overdraft protection

AUTHOR: brillo227 - ()

 The overdraft protection is agood thing.  However the problem is not with the overdraft protection, it is the posting policies in place that post all debits from highest to lowest resulting in excessive overdraft fees.  Most of the major banks have already been sued for this and several have already settled and or changed this policy.

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#2 Consumer Suggestion

Once again, "mr rik" is wrong


Big surprise I know, but he once again has no idea what he is talking about. The protection that the bank is giving you is that they are ALLOWING you to overdraw your account to pay people that you need to pay. Most places you shop charge $25.00 for a returned check, or if the bank refused to pay that you would be in the bank whining that they DIDN'T pay it and that you now have to pay a fee to the store you shopped at. I've had people that had checks overdraw their account that were paying a tax bill, their rent, or even a loan, that were grateful that we paid it and charged them a fee, rather than bouncing it and causing them a late fee on their loan (which on a house can be hundreds of dollars), their landlord requiring cashier's checks from now on (that's $5-10 depending on where you bank) and the list goes on.
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#3 Consumer Comment

If you had "bounce protection"

AUTHOR: mr rik - (USA)

Then why did the bank charge you overdraft fees?

I like to put feces in night deposit boxes.
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#4 Consumer Suggestion

This is what happened


I've been in banking since I got out of college and have had my fair share of people coming in and saying they had overdraft fees. Initially I tried to help them, now I just ask to see their checkbook (since I KNOW they don't have one). When they inevitably say they don't keep one, I ask them how they keep their balance, and shrug and ask what they want me to do; they get the message then.

A common complaint is this "restructuring" that is going on and that is NOT what is happening to you. Even if we beleive that, you STILL are KNOWLINGLY overdrawing your account, hoping that you will get the small transactions through and just get a fee on the big one. You gambled, you lost, and here is why. When you use your debit card it may not come out of the account for a couple days even though the funds are spoken for (available vs. ledger balance). This means if you had a large check come through, when all the small stuff is finally taken out of the account you will overdraw a bunch of times. It is no different than the person who writes a check to someone else KNOWING they don't have funds in the bank, hoping that their direct deposit goes in before that check gets cashed.

The solution is real simple, and is the same thing I tell people that come in whining about overdraft fees : either keep a register, or get a savings account with an ATM-only card so you MUST pull out cash from the ATM and therefore cannot overdraw in anyway.
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#5 Consumer Comment

But what does your checkbook register say??

AUTHOR: Steve - (USA)

There is NO SUBSTITUTE for an ACCURATE checkbook register.

You MUST manage your own account to avoid fees.

Why do so many people think they can have a checking account and not maintain it with an accurate checkbook reister?

A checkbook register is NOT "optional" unless you like paying NSF fees.

Don't be so stupid and/or lazy.

Maintain your own account.

It's not the bank's job to manage your account.

It is your responsibility.

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#6 Consumer Comment

Bounce protection?

AUTHOR: coast - (USA)

"bounce protection is a scam"

You mentioned this scam but never expanded on it.
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#7 Consumer Comment

Better idea

AUTHOR: Robert - (U.S.A.)

Do not use Capital city bank!

- Don't overdraft your account.  Instead manage your account and don't rely on ATM balances.  Those only know what has been submited to the bank.  The only person who knows what you have truly spent is YOU.  Keeping a written register and not spending more than you show available is a way to make sure you never overspend. 

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