Metro Bank has charged me many insufficient funds fees when the money I was spending was already sitting in the bank. The most recent occurence happened just today and it sent me over the edge!
I have my payroll checks directly deposited into my Metro Bank account bi-weekly. I always call on Friday morning just to make sure the money went in, so I call today and my money was there. At around 3:30 this afternoon I went to use my Visa debit card for some food, which cost around 12 dollars. I get home at 9pm to check my account online before I go to bed like I've recently started to do because of so many errors, and notice that my debit of 12 dollars came out before the credit of my payroll check direct deposit.
I have called many times to get these issues resolved and I always get the same answer. They take my name and number to give to their manager so he can call me back and I never get a call back. Furthermore, when I call back the next day, they say they have no record or message that I even called! How is this legal?!
I opened a new account with a new bank today and it is only a matter of time before I can get my direct deposit to that account so I can close my Metro Bank account. Actually the bank I'm going to is PNC Bank and I told them my horror stories and they actually are going to pay me 2 of the insuffient funds that Metro Bank charged me back when my first direct deposit goes through, (75 dollars). So I am VERY happy with my new bank already as they are taking care of Metro Banks errors although they shouldn't have to, they are. They say that many Metro Bank customers, who were happy with Commerce Bank but not Metro Bank, are making the switch to a different bank.