Typical Too Big Bank, Poor Customer Service

I use direct deposit, and it takes several days for it to clear.  Why?  We were merged and they put us on interest checking and to change it, we'd have to pay a bank fee.  They also hold deposits (which they HAVE our money for nearly a week, mind) to bounce checks instead of releasing the funds on time.  First time, EVERY other bank allows a complimentary reversal of NSF fee...not this bank.  "Policy" dictates the don't do anything unless they make the mistake.  This month they happened to of caught me with the weekend and some auto bill pays on top of keeping the money a little longer then usual.

ATM fees are supposed to be refunded.  They are...if you do the paperwork and harp on the employees several times to get them.

We have no limit to the debit card, yet they consistently decline transactions with it.  We have had to take cash out to make sure we can buy groceries, etc. because of this.  It's not like I don't have money, usually it occurs when I have several thousand dollars in there.

Want to do online banking?  Be prepared for the funds never to be right, current transactions to be missing and the site to go up and down on the money you have in there.  Since the merge, they have never had the right amount in the online system.  Currently, I am still waiting to see several transations appear I did a few weeks ago.

Customer service is fast, true, but it's always to tell you they can't do something because of "policy". 

Unreliable, unhelpful and too big for the small town britches.  We are finding a new bank.  Run away from them, BoA is a better company.