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Report: #1410825

Complaint Review: Century Bank of the Ozarks - Gainesville Missouri

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  • Reported By: Beth — Gainesville Missouri United States
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  • Century Bank of the Ozarks PO Box 68 Gainesville, Missouri United States

Century Bank of the Ozarks 9 NSF Fees? Some for $2.00 Gainesville Missouri

*General Comment: Some information for you---

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We have been customers of this bank for years. Months ago my husband was in a car accident in which we incurred out of pocket medical bills as well as out of pocket costs in vehicle replacement. Most devastating was the loss of work. We had hoped to be able to bridge the gap until the lost wages were reimbursed, but eventually ran out if credit. On top of this, I needed to travel to be with my mother who has had surgery for stage 4 cancer. This travel placed us further behind. I begin my seasonal job in 2 weeks, and we almost made it! But finally the money and credit ran out. I quickly withdrew funds from my 401k to tide us over, but not before 9 NSF charges appeared in our account in one day. Most of these were for minor purchases made a week ago. I spoke with 2 different staff members, who kindly brought our situation to the attention of a senior level staff member. We were denied any reimbursement. The $4,000 check was in the bank on the very same day these charges came out. Im sorry, but I don't see how these charges are a $270 "cost" to the bank. This is a small community bank that claims to be community minded. I'm very disappointed.

This report was posted on Ripoff Report on 11/07/2017 02:03 PM and is a permanent record located here: https://www.ripoffreport.com/reports/century-bank-of-the-ozarks/gainesville-missouri-65656/century-bank-of-the-ozarks-9-nsf-fees-some-for-200-gainesville-missouri-1410825. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Some information for you---

AUTHOR: Walter - (United States)

POSTED: Tuesday, November 07, 2017

I'm sorry to hear of the misfortunes you're going through. However that just emphasizes the need for proper account management. An NSF fee is charged when a check, ACH transaction is presented to the account and there is not enough money to cover it. And as you sadly found out, it doesn't matter the amount of the debit, if returned it is charged a fee. One thing to remember though is that NSF fees appear the business day after the item was returned. You say there was a check for $4000 deposited the same day the fees were charged. This means the items were presented against your account the night before, before the check was deposited to try to cover.

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