Key Bank Corp Constant NSF fees even when an automatic deposit hit the bank the same day Ripoff Vails Gate New York

I don't know why more consumers don't get up in arms about this.

Most people don't get up in arms about this because they don't get NSF charges.

Although probably legal, it is certainly unethical, especially to those of us who are not wealthy and we are sseing this much more since Century 21 legislation. Before the legistlation, I was never able to withdraw anything from an ATM if there were NSF.

You bet it's legal! No better time than the present to change your habits and get in line with what's going on!

The wealthy or the well-off don't have to worry about such things and tend to be the first to suggest idiotic logical ideas such as keeping track of your checking account via the register. I guess they just don't make mistakes.

Absolute hogwash. I am not wealthy or well-off, yet I don't have issues with the way banks work. If keeping a register means me not paying NSF charges, then call me idiotic, however I doubt I am not the idiotic one.

I can almost guarantee if everyone kept an accurate register and didn't spend money they didn't have, not one single person would ever pay another NSF charge. The bottom line is you have to take responsibility for your actions and stop blaming banks.

~Ben

Thanks N.

I am beginning to learn that as well and after doing some research, I found out through a few financial reports on banks that they do allow you to access your ATM if there is NSF because they can charge you the NSF fee. They do this to offset their charges.

When I queried my bank about the additional ATM nsf charge of $32 which was dated 1/18, I was told that it was submitted on the 16th, which doesn't make sense to me as most of my Credit/debit charges clear the following day even though it is deducted in the 'pending' area.

I am attempting to get a printout from the souce and have asked my bank to send me a copy. I generally keep these receipts and went through the 16th receipts and couldn't find one that had the exact amount on it. Of course, I could have thrown it away, which is why I am trying to track it down.

I don't know why more consumers don't get up in arms about this. Although probably legal, it is certainly unethical, especially to those of us who are not wealthy and we are sseing this much more since Century 21 legislation. Before the legistlation, I was never able to withdraw anything from an ATM if there were NSF. The wealthy or the well-off don't have to worry about such things and tend to be the first to suggest idiotic logical ideas such as keeping track of your checking account via the register. I guess they just don't make mistakes.

Banks are making a lot of money these days on the NSF fees and are constantly changing their policies because they know people are not keeping checkbook registers anymore. They know we are relying on the online banking programs.

As for allowing you to make an ATM withdrawal. Many are complaining their bank does this. Of course they let you. This way they can charge you NSF fee and they are entitled to do just that.

As for the direct deposit and the charge. Actually the direct deposit usually covers any charges made within the same date of the direct deposit. If your bank has changed their policy to 8AM, shame on them.

As for the check you wrote, even though they didn't post it until the 18th, they know the check came to them on the 17th, so they date it for the 17th. Just like if you know your credit card company got your payment on the 17th, but didn't do their work until the 18th, you would expect them to post it as of the 17th (some do and some don't). Forget about the 2-3 day hang time on checks. Doesn't happen anymore. In fact, I wouldn't be surprised if banks started posting checks back to the day you wrote it.

Also, NSF fees are not posted until 1-2 days after the check has bounced. If they see a check bounced today, they will usually add the NSF fee tomorrow.

I don't work for a bank, but I've gotten to learn how they work throughout the years so I don't get screwed.