I am writing this to allow anyone who may be interested in moving to GTE Federal Credit Union a chance to change their mind. I have been with them for years because they were giving us (those in my company) access to their paychecks early. Now I want to say first of all, that this is for those of us "real" people who work hard but still live paycheck to paycheck. 6 years with the same employer and not one raise in 5 years and this is government work. Well, they are not anything special. GTE doesn't have any of the "fun" stuff like other banks like kids accounts, etc so that is the only reason I was using them. One day we get a notice that they are no longer giving us our checks early, we now have to wait. Ok, so I went and opened another account at a "fun" bank where I now get Sky Miles so atleast maybe once a year I can accumulate a free ticket somewhere-hey better than nothing!
Well, so of course it's time to pay the rent and I submit my check to my landlord with the word "rent" written in the memo line like I always do and notice that they day of my actual payday, that these people "rejected" my rent check, of course they collected their $29 fee. Now, my thing is--yes, they changed their policy, they could have collected their $29 fee, but to send my rent check packing afterwards instead of paying it like they usually do and leave you negative (they know my paycheck is direct deposited and before the policy change, the money would have been there early. Now, I have a bounced rent check for the first time in my life, so embarrassing because the office staff are like friends to me, because I have been here almost 2 years this hasn't happened before and now I have to pay $125 late fee and another $25 fee to them.
I called the bank and they couldn't even tell me if they were going to put it through again. I told them I have daily late fees, I can't just sit here and not pay my rent while today they will come and put the eviction notice on my door. I just hate these people, they know when I get my direct deposits, they haven't ever done anything for me before and they couldn't just have paid it.
I'm also reporting what they have done in the past and hopefully others will start paying attention to the online banking because you can catch them doing things. Such as, over the last year twice they have put my direct deposit through, you can see my balance is $1000.00+ but if you go back later you will see NSF charges and the online banking has been modified where they will go back and put stuff as if they came in *before* your direct deposit. Now, those two times I called and they reversed the fees but honestly I can't help but wonder how many people they do this to. How is this the way to treat your customers. It's honestly like someone walks up to you at the ATM and takes $29 and runs. It's exactly the same thing. Banks should help their customers, not try and hurt them because the economy is bad and they need money. Honestly I can't wait to drive by there one day and see the place shut down. I am a single mom, divorced, with 2 small children doing it on my own and have no help and really can't imagine how anyone could do this. Taking food from my children.