Harris Bank & Trust Excessive Overdraft Fee's & OTC Best Practice Unfairness Ripoff Hoffman Estates Illinois

I saw your report and I feel for you. I got charged over $300 multiple times at my old bank because I would make a series of purchases without realizing I was over on my account. After a lot of searching I actually stumbled onto this website.

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It's a checking account that charges a flat $19.95 a month but then you don't pay any overdraft fees. It's saved me multiple times and I thought it could help you out. When I first got the account I was pretty skeptical so I tested it and sure enough, no charge.


CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I would have kept it as a savings account, except they wouldn't issue me a debit card for purchases.

Part of my challenge is handwriting, something as basic as writing checks is very tiring. For my house loan and credit cards I use a check program to print the checks for me.

In the past I have had credit problems but only because I would get stuck with an eronious doctor bills (those that take advantage of the disabled).

I'm trying so hard to participate in society with work and duty, its just that when banks could care less about their customers and would rather bankrupt us for their fees, I start to have problems.

If anything I have learned today its that EMPATHY and bankers who say they support the community, are really just cowards and need to horde money for their perceived position in power.

My wife worked as a manager, for 16 years, at a local credit union, until they spent 8 months harassing her into quitting. They were getting rid of all the old timers and bringing in all the newbies, at less then half the cost. So be it. Now a certain segment of our society doesn't trust banks or credit unions, with good cause. Now one of the "service centers", now called "profit centers" where she worked, was in an area where there are many older folks who were retired and others who receive some type of gov. assistance. Because of gov. regulations, those folks have to have direct deposit, "MAKE IT" INTO A SAVINGS ACCOUNT.

From the first to the fifth, hundreds, thousands would show up, the city would bus them in from the retirement homes and the projects. They would get 5 or 10 or 15 money orders, for whatever they needed and then withdrawl ALL BUT $5 out of their SAVINGS account. The rest, they'd take home and stash under the mattress or where ever. NO FEES, NO NSF's. The credit union hated these type of folks because they absolutely made NO money off them. What does that tell you? One last note. Many of those check cashing places sell money orders for 49 to 79 cents on up, depending on the amount of the MO. The banks and CU's sell them for 2 to 5 dollars. Talk about a rip.

I think that all bank charge very excessive fees, we have a child in daycare and cant afford to pay ANY of our credit cards so every $10-$40 fee kills us, especially at the end of the month when rent it due. A couple of months ago I was so sick and I had to go to the Dr. we had a $30 co-pay and our account was already in the negative, so it cost me $65 to go to the doctor and then I couldn't even fill my prescription. It is getting really sad. If I wasn't worried about spending all the money I would be right with you, a safe.