Firstmerit Bank has poor service and a complete ripoff please stay away Stow Ohio

They cashed a post date check on me and give me 750.00 that was just in fee and still had to pay the items. I hate the merit, but you are fine as hell email me lets meet and than find a way to sue firstmerit

From what I am reading, It sounds like you are irritated about the original overdraft fee but feeling cheated about the others.... I agree. If you over drafted the acct and have to pay the fee it sucks but lesson learn, however for the bank to charge you more overdraft fees for items you purchased prior to "going into the red" that is preposterous!!! if the money is being held as to pay for previous item which is why the last transaction did not go through then one should only be able to assume those initial items will go through.... otherwise they should just post the items in the order in which they came out of the bank acct and only charge you the fee that causes you to go over...  it is impossible to know if you make a purchase on Thursday and Friday that you have money for then make a purchase on Sunday that goes over that you are going to receive 3 fees instead of one.... how can you balance your check book to that? I agree that it feels a lot like legalized robbery!!!

If you saw you were going to be overdrafted, then it was too late anyway and no deposit to the bank would have solved your issue, no matter what anyone at the bank says. It only matters what the account agreement says and the account agreement indicates that your available balance was already negative when you went to the bank. Since available balance is the trigger for overdrafts, not account balance, you already incurred the fee.

As indicated earlier, all banks are the same and no matter which bank you went to; large or local, national or regional - you would have incurred the overdraft. If you want to know the rules - think of it this way:

You can't race money to the bank unless you can travel faster than the speed of light (the speed in which your transactions race to the bank) to beat electronic transactions. You can't float money anymore as a result. If you can therefore see you will overdraft, consider yourself already overdrafted. This is not a bank issue and not a rip off.

First off i did go to the outside teller and made my deposit of cash.

This is how the got me again they put some funds on hold from my check card that i use . They release the funds into my account instead of paying the companys they paid themselves with service fees and charged me overdraft fees for the two items that i got two days before.

Then they told me that i should not have never gone into the red. When it was the bank fees that put me there. i had the money to cover my transaction.The bank told me no bank error and charged me and hung the phone up on me

If you were going to overdraft, depositing your cash in an ATM was exactly the WRONG thing to do for a number of reasons. First, if the bank loses your deposit, guess what - you're screwed. Next, if you had taken the cash to the teller, there would have been an OUTSIDE shot you could have avoided the overdraft, but it's also possble you would not have avoided it either due to cut-off. Read your account agreement.

The bank's response to you is not only correct, it is universal throughout the banking industry. No matter which bank you go to, what happened to you there would have happened to you at every bank in the country. If you want to find fault in this whole process - find a mirror and there you will fiind the culprit...

Best of luck to you...