I am not a perfect bank customer, but I am a good one. Every now and then, a check comes up with an non-sufficient funds fee.
That is not the problem. If I overdraw, I expect the bank to charge me a fee for the NSF. What really gets me is that they turn off my debit card and I must go to the branch to get it turned back on. They explain this by saying that if you go into a negative balance, your card gets turned off until you return to a positive balance.
Again, no problem, but what if it is Saturday? Or after hours. If the bank can turn a debit card off via computer, they should be able to turn it back on with a simple call to customer service.
I'm not asking the bank to give me money I don't have. I'm not asking the bank not to charge me an NSF fee. What I am asking the bank to do is stop adding insult to injury. I don't want to speak for anyone but myself, but every now and then, I screw up. Then I pay for my screw up. Must there be a further penalty for an honest mistake? I am gainfully employed. I make a deposit every week. I pay the monthly maintainance fee.
But let's get real. $32.00 for every NSF is a bit much, and then on top of it, they mess with your bank card. Again, if I mess up, fine -- my bad.
But there's no need to make things extraordinarily difficult by messing with bank card. You make a mistake, you pay for it. Fine. But we all make mistakes. At least I do. Why must I jump through hoops and barrels for, again, an honest mistake.
I think SunTrust is a little abusive of customers in this aspects. I understand there are customers thay will try to defraud the bank. But there are good customers that mess up now and again, and there's got to be a way to distinguish between the 2.
ps. Please, no lectures. No one's perfect.