• Report: #170121

Complaint Review: Huntington Bank

  • Submitted: Mon, January 02, 2006
  • Updated: Sat, September 11, 2010

  • Reported By:Dowagiac Michigan
Huntington Bank
huntington.com Columbus, Ohio U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Huntington Bank why is it that check 21 can instantly take money out but it takes up to 5 days to put your deposit through, ripoff! Columbus Ohio

*General Comment: Hard to Believe Ken that you're dumber than Barbie..

*Consumer Comment: The deal with Check 21

*Author of original report: YOU GET WITH THE PROGRAM!!!

*Consumer Suggestion: Lady, get with the program

*Consumer Comment: First, look at your account terms and conditions.

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I have banked with Huntington 13 years and until about 3 months ago I never bounced more than 2 Checks. Now every week they are bouncing everything.

It started back in Oct. I put my checks in on a Thursday night, I went through the teller instead of the ATM (the ATM was broken) and they bounced everytime we used the ATM through the weekend and every check that came in on Monday and Tuesday! Tuesday is when they finally cleared my deposits.

I called the 1-800 number and the first person I got was rude and said dont write checks unless you have the money in there. (I thought I had the money in there) the second person I received was nice and said the same thing happend to her! She refunded all the fees, but the way she put the money back in still made my account short! She probably got fired and now im on the shitlist.

During all of this I have been so sick, seeing different doctors--taking care of my 2 kid's and working full time!! Since then if I went through the ATM they only post a small percentage until 5 days later!! If you go through the teller it still takes 2 buisness days to post, I heard if you cash your check then deposit the cash it will post instantly, but now I here differently.

At one point I borrowed 2500.00 and since they posted a small amount the kept right on bouncing and ate it all up in fees!! Im sick to my stomach I am penniless and havent hardly paid any bills in 3 months, because that bank has taking it all from me. I feel like I paid for their new ATM machine and all the great changes they have made!! Furthermore my aunt has worked there 25 years and I make more money then her (filing files) but she does get a year end bonus, so I probably helped pay for that too.

I now have no bank account, have checks I still need to pick up out there and pay more fees to them people, am almost 3 months late on car payment, insurance and gas and electric, so I thank Huntington for ruining my life and trying to confuse me so bad, and ruining my kid's christmas, and there birthdays which happend to be a week before Christmas.


Dowagiac, Michigan

This report was posted on Ripoff Report on 01/02/2006 12:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Huntington-Bank/Columbus-Ohio/Huntington-Bank-why-is-it-that-check-21-can-instantly-take-money-out-but-it-takes-up-to-5-170121. 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 General Comment

Hard to Believe Ken that you're dumber than Barbie..

AUTHOR: godisdead - (United States of America)

Hey Ken, you really think that it's not in the banks best interests to hold their checks for even a day longer?  With Check 21--a bank will know fairly soon thereafter whether or not they'll be paid, and if they are, there are no reasons to put holds..except for the fact that every day a bank "holds" someones money, and thats basically everyone who deposits a checks, they are holding your money, and making an enormous amount of interest off it.  $300 bucks isn't lot but $300 million is, and the interest off $300 million in actually holdings is very profitable indeed.  And then you factor in the amount of returned checks that every bank knows "holds" leads to:  either because people aren't that bright, or they're not particularly good at explaining it to them.  And then banks will charge you fees (unless you have direct deposit and/or a minimum balance) for graciously allowing them to hold your  money, dole it back out to you slowly, charge you if you don't stick to their timetable and then make a bundle of interest off the bigger pie, and give you back if at all, some crumbs.  That's why banks are so profitable.

I used to live in England, where banks don't charge you a monthly fee, they don't charge you even for checkbooks (a new one automatically gets sent to  you), a five day hold is unheard of, and accts are much harder to open than they are here.  Part of the problem?  Banks are so profitable here--they allow a permissable amount, unheard of in most places.

from Wikipedia:

"Although the act greatly reduces check processing cost for banks (in part, by eliminating the need for the costly transportation of physical checks), and speeds up the fund transfers, these benefits are not necessarily passed on to the consumers.

While the bank of deposit clears and receives the funds associated with a deposited transaction sooner than before, it may still legally hold them for a period of days specified by Expedited Funds Availability Act. During that period the funds are essentially in the bank's possession; accumulated across all the bank customers on any given day, such funds earn the bank a large amount of interest.

With some Check 21 providers, retailers will find this system to be faster as funds may be transferred much quicker than ACH. eChecks processed using a Check 21 solution are typically accepted in 1-3 seconds and clear the same day or overnight compared to typical Automated Clearing House system (ACH) time frames of 3 to 5 days."

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#2 Consumer Comment

The deal with Check 21

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

With the Check21 program, banks now have the option of turning a deposited item into an image and then sending the image for clearing. When the image reaches the Fed, they determine whether or not the receiving bank is capable of processing an image. (most are not, but more and more come on board each day) If they can take an image, it is sent electronically, and clears almost instantaneously. If they cannot, the image is turned back into a paper item and is processed normally.

The bank into which you deposited the item will not know which way it clears, but they do know the average time it takes to clear items (of both types), and that's how they determine hold times. As more banks clear images, the time will shorten, and holds will also shorten.

As hard as it is to believe, it doesn't benefit the bank to hold your funds longer than they need to, those funds are a liability to the bank. It also is a competitive disadvantage to hold onto funds that they cannot effectively reinvest.

Anyway, that's why some checks clear faster than some deposits.
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#3 Author of original report


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

What you have nothing better to do than sit around going through Rip off . com places? For one it is none of your business where my kid's father is. What are you one of those guys who want dinner on the table right when you get home from work? Expect your wife to do all the laundry and stay bare foot and pregnant,and also work 40 hours a week. YOU GET WITH THE PROGRAM!! Women can do things just as good as a man. Unfortunately there isnt too many real men left out there. Your right though-- I do need a serious change of attitude maybe I do feel alittle bad about this bank situation, so I will work on that. Anyways-- why cant you answer my question? If they can clear your check almost instantly--why can't they clear a check you deposit almost instantly? Exspecially when it is from a known employer from a small town who probably employees half the people in town? A business that has been around 100 years. Why should it take 5 days to clear? Why can they change the way they do things after 13 years? Without warning-- Like up until 4 months ago or so I could deposit a check on Friday (lets say with $10.00 balance in my account) and be able to use my debit or atm card all weekend long and write checks and all they would do -- is pend my transactions until my check cleared!! Every since I went through the teller instead of the atm that one weekend they bounced mega things over the weekend at $31.00 each (Whenever I used my debit card) instead of pend them as they have in the past, and when I called and got a nice person who credited everything back because the same thing happened to her and she understood. After that no matter how I put my deposit in (direct deposit--was in at 12:00am Friday morning would'nt show up until 1200 pm Friday and if I used the atm it went from posting it all to only partial posting 300.00 of 1500.00 for 5 days. All's im saying is they should'nt have the right to not be consistant, and play with other people's money. Believe me from now on I will read the fine print and I will check out all the banks before I open another account and I will watch every transaction like a hawk.
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#4 Consumer Suggestion

Lady, get with the program

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

You know you're bouncing checks and don't want to pay for it. TOUGH! It's YOUR problem that you keep perpetuating, just stop bouncing checks, you're making it worse. Pay cash until you figure things out. When they come and take your car away, who's fault is it going to be, the tow-truck driver's? You're hoping that the bank is gonna feel guilty and excuse all the fees because they did it once? Where is the father of your kids and why isn't he taking care of business? You need a serious change of attitude because the "poor li'l ol me" doesn't work for women the way it used to.
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#5 Consumer Comment

First, look at your account terms and conditions.

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

There should be a section in there detailing the bank's funds availabilty policy.

My quess is that the funds weren't available for you to draw on so that was why you were charged the overdraft fees.

Here is how my bank works. If I deposit a check on Thursday night after a certain time (around 3:00 PM, but in varies from bank to bank), it will POST to my account the next business day (Friday). Now, because it posted to my account does not mean the funds are available to draw against. My bank makes the first 100 dollars of the check deposit AVAILABLE to draw against on the next business day after the deposit POSTS to my account (Monday). The remaining funds are AVAILABLE to draw against on the second or third business day after the deposit POSTS to my account (Tuesday or Wednesday).

Whichever bank you are able to open a checking account with, be sure to read the terms and conditions to understand the banks availablity policies.

Good luck.
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