Huntington Bank

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Overdraft Fee Without Overdrawing
Posted by on
MICHIGAN -- May 19th I had $67.05 in my Student Checking account (meaning no fees, no minimum balance). I then went and purchased gas for a total of $21.34 which left me with $45.71. I had no other pending purchases. I checked my account and was glad to see it had cleared, because I had some things to buy. I told myself I had to keep it under $45, and I did. I spent $44.73 (cutting it close, yes). The next day I get an e-mail from Huntington. I check and it says I've overdrawn. WHAT? I look at my account, and the 2nd purchase is still pending, as is the fee which is associated with the GAS purchase. After all is said and done they charge me ANOTHER overdraft for the other purchase). Keep in mind, each overdraft is $37.50. After the first overdraft I had $-36.52 in my account. Meaning, I clearly didn't go over. Though I already knew that.

I filed a complaint online and got a generic response. I don't even think they read my comments.

Just to clear things up - the NSF Fee's were both placed into the account AFTER both of the transactions had already occurred. I have no idea where they came from either, since I did NOT overdraw.
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Anonymous on 05/22/2010:
A lot of gas stations put a hold on your account if you use your debit card. It can be as high as $75. So even though you only spent $21.34 on gas, the stations charges your card more, then releases the remaining funds back into your account after a few days. I never use my debit card for gas. I always pay with cash, because of this reason
Weedwhacked on 05/22/2010:
lilyaya, is 100% correct. I also never use a debit card at gas stations.
GenuineNerd on 05/22/2010:
I typically use a credit card instead of a debit card for gasoline purchases. When I used a debit card (US Bank), the hold was only $1, and the gas stations I used were mainly Speedway, Get Go (Giant Eagle), or Circle K. I know that Circle K and Speedway has locations in Michigan. Maybe try them if you must use a debit card at a gas pump. I know that BP and Shell put $75 holds on your bank account.
spiderman2 on 05/22/2010:
yaya hit it on the head. At the gas station I use regularly it is posted right on the gas pump about holds.
ttaplehcar on 05/25/2010:
Original poster here. I talked to the bank. The hold was only $1, and a $1 hold on my account somehow gave them their reason to charge me over $100 in fees by the time it was all done.
I went to my local branch (still - 45 minutes away!), but because I opened my account elsewhere (4 hours away) she couldn't do anything. She called them, and she had to twist their arm because they were so against giving me any money back. They said $35, and she tried even harder. I ended up with $55 back. After that was done, the local branch VP (Tecumseh, Michigan) accidentally called the wrong number and got my mother. She gave her the 800 number, and guess what? They won't do anything because a decision was already made at the branch I opened my account with.

Tecumseh was great, they tried to help me out. They're about the only decent thing about Huntington.
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New Construction
Posted by on
Rating: 1/51
BURLINGTON, KENTUCKY -- We contacted andy edmond at Huntington Bank in Burlington Kentucky October 12 for a new construction loan. we gave them our house plans, filled out loan apllication (gave them $300 for application fee), and locked in a interest rate. it is now DEC 28 2012 and they said they can't give us the new construction loan to build our house because our builder hasn't done 1 to 2 million dollars worth of work per year since 2005. they are keeping the $300 and won't give our plans back! which is wrong in its self, but what does our builder have anything to do with getting the loan and how many builders are still in business. wonder why the banks brought the economy into a depression. we are trying the to build a home they will provide more jobs and spread money to local building companies on a smaller scale, and we can't even do that. their wasn't a problem about down payment or our credit scores.
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trmn8r on 12/29/2012:
Banks are very careful about issuing construction loans. I was turned down, and ultimately got a loan from a relative, which I paid back when I completed the house and took out a home equity loan.

The reason that the bank turned you down makes sense - they want to know the track record of the builder. Sounds like they want one who isn't just building a house now and then.

It would interesting to know if the application included terms that cover refunds of the application fee and retention of plans in event of denial.
jonthethird on 12/29/2012:
The Banks are working under new regulations, many which are confusing and unclear. They are being cautious, especially the smaller local banks.
At Your Service on 12/29/2012:
Construction loans are completely different from a home loan and of considerably more risk. If a builder is off on their estimations, you may find yourself obligated to pay off a loan without anything to shows for it.
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Charged for a bad 3rd party check
Posted by on
NEW CASTLE, PENNSYLVANIA -- My daughter deposited her paycheck in her Huntington Bank account from her workplace. Two days later there was an INS (insufficient funds) charge of $20.00 posted to her account. The bank charged her that fee for depositing a check from her employer who, apparently, wasn't good for their money at the time. I called the bank to tell them that there must have been some mistake. After all, why would they charge my daughter a fee for a bad check that was from her employer? You would think that they would charge the employer's bank, not their own client. Moreover, the check was not accepted into her account, so she was now out the paycheck PLUS the bank's INS fee...and it wasn't even her fault. The bank's customer service representative told me that they wouldn't remove the fee. She also told me that it was my daughter's responsibility to always call the employer's bank in advance of depositing her paychecks to ensure that they would be good for their money. Really?!! So, I called the employer's bank, only to hear from their representative that that's confidential information and even if they could tell me if the employer was in good financial standing, they couldn't be certain since there are all sorts of pending debits against employers at any given time that could throw them into the red.

I called Huntington back after that and explained the answer I received. They still wouldn't budge.

Here's an idea.... Treat your customers like that and you will soon find yourself being bought out by either another bank or the feds! Shame on you.
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Obsfucation on 06/23/2010:
Banks have ALWAYS charged a fee for a deposited check that bounces. Whethere or not there is money on the other end, the bank still had to perform all the steps required to clear that check. Think of it this way: they still have to pay the teller who processed the transaction, and then they have to pay the people who processed the returned item. This isn't anything new, and it is certainly not limited to your bank. The party at fault here is your daughter's employer. They owe her the money she was charged.
GlitteringFirefly on 06/23/2010:
Huntington is charging an fee because there were insufficient funds in your daughter's account, not because of the bad check. It is not the fault of Huntington that your daughter spent her paycheck before the check cleared. The company she works for should be liable for any fees.
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Eliminating notification by mail of non-sufficient funds
Posted by on
OHIO -- Although this is a minor complaint, it is one more way banks take advantage of their customers. Because I chose to have online checking statements, Huntington Bank ended the notification by mail of non-sufficient funds (NSF) because they say it is for my security. If someone takes my overdraft notice in order to steal my identity to take money from my over-drafted account, s/he is stupid beyond words. Since I don't check my balance online as often as every day, if I were to overdraft I would be charged a NSF fee every day until I happen to check online again. Because of this I chose to cancel my online statements just to cost the bank more to send out my statements. I encourage everyone to do the same.
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Anonymous on 02/21/2010:
Here's a concept for you: get a check register and manage your account like an adult, and none of this is an issue.
Anonymous on 02/21/2010:
The bank will recoup the cost of paper statements by tacking on a fee here and there. I have signed up for electronic statements as well with my credit union. By doing so I agreed (in the agreement) to receive all communication electronically. Chances are that was in your agreement to and you failed to read it.
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Overdraft fees
Posted by on
LISBON, OHIO -- I too use the online banking. My account shows in the positive. They then charge me overdrafts amounting 150.00 due to pending transactions that have not went through yet. so I put money in the account. bring it to a positive balance again. get on the next day and check and they have me overdrawn another 93.11. The pending transactions still haven't went through so I will be assessed another 37.50 for them when they do go through. They use the pending transactions to lower your actual balance. I talked to the bank and they say that the online banking isn't the same as their system and there is nothing they can do.
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yoke on 01/06/2010:
What did your check register say you had in your account, before all the OD's? Did you have enough to cover all the transactions, including the pending ones?
Anonymous on 01/06/2010:
One of these days it will dawn that you cannot spend the money THEN make a deposit to cover it. You were overdrawn the second you swiped the card, because that's when the transaction legally occurred.
voiceoff on 01/06/2010:
Maybe this is a dumb suggestion, but just keep an extra few hundred in the bank that you never use, for these last minute buying situations.Then you can never be below what you purchased.
momsey on 01/06/2010:
It's completely your fault. You can't rely on the online account to be accurate and up to date. It's up to you to keep track of how much you have in the account and how much you're spending.

How could this possibly be a complaint against the bank?
voiceoff on 01/06/2010:
Online means real time to most people.
yoke on 01/06/2010:
Why is it when people get OD's they blame it on the online balance and not the balance their register says?
momsey on 01/06/2010:
Yeah, but real time means real time as well! Say I know I have $500 in my account. I make 10 purchases with my debit card that equal $600. I'm overdrawn! It doesn't matter if the online account says that I only made 8 purchases totaling $450. I'm an adult with a bank account, income, and a debit card, and I know that even though the website says I made 8 purchases, I KNOW I made 10 purchases. Because I made them!
Anonymous on 01/06/2010:
A good way to avoid overdraft fees... check register. Don't just simply rely on what it tells you online because it doesn't show everything. Like when you use your debit card like a credit card (you don't punch your pin number in), it has a 50/50 chance of showing as pending online... if at all. Only *you* know what checks you've written, what autodebits are coming out, and what purchases you've made. If the balance on your register doesn't match up to what it shows online, don't spend over what it has in your register. For, when you do, those purchases you've forgotten about will post; thus causing overdrafts.
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Rip off on overdraft charges
Posted by on
LISBON, OHIO -- Online balance showed I had money in account with all charges/checks cleared or pending. I made a two withdrawals for under the amount showing as my balance. They the charged me $187.50 in overdraft charges on the 3 pending transactions that and the 2 withdrawals, when the online banking showed that the money was there. I talked to bank and they are no help.
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Anonymous on 07/24/2009:
What did your check register show?
tnchuck100 on 07/24/2009:
Never rely on the available balance shown online. Online information should only be used to verify certain items. The big banks love it when you use the online information. It sets you up for gouging you just as they did. You did not provide enough information to track exactly how they did it to you. Use a check register. Even then they have ways to fleece you.

Close the accounts and find a credit union.
Anonymous on 07/24/2009:
Check register, check register, check register.
Online banking never shows every transactions you've done. Only you know what you've spent, what checks you've written, what automated things come out. Never ever rely on online banking. Even if you go to the branch and ask for your balance... all it shows is what's posted or put on hold. It doesn't show everything on their side either.
Always keep a check register.
Even if you close your accounts and go to a credit union, as suggested... keep a check register. That's key and very important to always knowing what you have exactly. Write everything down... so there's no surprise the next day when everything posts.
Eloise on 07/24/2009:
The bank doesn't need to say anything, You overdrew your account it's your fault and your responsibility. You need to take into account any checks/charges/withdrawal that haven't been posted. And yes this is your responsibility not the banks!
skelly39 on 07/24/2009:
OK, I keep hearing people tell posters to go to credit unions. Does this mean the person doesn't have any responsibility for overdrawing their account and that they won't be charged at a credit union?
I agree with Eloise-it's your fault and your responsibility, not just to balance your checkbook but to know the penalties for overdrawing your account. Be a better consumer and you won't be paying a bank you hate for holding your money.
Anonymous on 07/24/2009:
You're right Skelly. Don't think for a moment that the credit union wants these kind of headaches. But if you do go to a credit union, you will find that the fees are a little bit less on the whole.
BokiBean on 07/24/2009:
The fees aren't just a little less, Ken. They are much more judicial. When a customer overdrafts, all hell doesn't break loose, and the credit union doesn't see it as a chance to fee their "errant customer" to death..

Since we've been having these discussions, I've paid a lot more attention to my credit union - deposits going in (about the same as any bank) and my debits coming out..WAY different from the big guys who are looking for fees to share with their shareholders.

Yes, a credit union would charge any customer for an overdrafts...but they don't make a shark frenzy out of it.

To the OP, find out what the small print is about debits and credits in your account agreement, and if you're not satisfied with the arrangement...move your money!
Anonymous on 07/24/2009:
Boki, love you, mean it, but you have misperceptions of both banks and credit unions.
BokiBean on 07/24/2009:
Ken I know you believe that they put the credits and debits in on a daily one time. Mine does NOT, I've been watching them. They take the debits out as they happen.

Even on the weekends, the debits go through almost instantaneously. Deposits on the weekends wait til Monday..

I have paid attention because I wasn't sure how my CU did this.

Anonymous on 07/24/2009:
Funny Ken I often think the same of you although I'm not comfortable dropping the 'L' word your way just yet and by no means does that mean I don't like and respect you but sometimes I feel like you're misconceived but not often.
Anonymous on 07/24/2009:
Yeah boki funny I make the same observations. My bank doesn't post transactions as they happen but for any given day those items posting do post in the exact order they were made. Not sometimes but always. That too is my disconnect with Ken.
Anonymous on 07/24/2009:
bokibean, funny you mention that you've been watching how your cu posts transactions. I've been doing the same since one of those really long boa conversations a couple weeks ago.

my bank [not a cu, btw] also posts transactions immediately, which are then immediately withdrawn form my available balance. I can also see these transactions in the transaction history showing up as pending until reconciled.

seems that a lot of banks and cu's *do* have the ability to instantly post transactions afterall. I guess it's only those that have no questionable practices that do it though, eh?

shark frenzy. lol that was beautiful.
BokiBean on 07/24/2009:
Ken knows I love him but I'll never understand his defense of the banks that do this..customers are not forewarned about these practices of stacking debts and extra fees for overdrafts, etc. They only find out after the bank has them in a hands-on-ankles position.

And to the people who say they read the fine print...YOU'RE FREAKIN WEIRD, NOBODY DOES THAT!
Anonymous on 07/24/2009:
I always read the fine print and I'm not freakin weird.
BokiBean on 07/24/2009:
Yeah you are. If you read the fine print you are.
Anonymous on 07/24/2009:
The devil's in the details Boki.
BokiBean on 07/24/2009:
I know Crab, but I still think its MOST unfair that you can't find these details on their websites and only find out in the process of signing up...or after. That's a bad way to do business.

Before signing, the typical bank customer would have to sit there and read through pages and pages of agreement to see "how they're going to screw me"..and then, its buried in the contract. And all this while they are sitting across from the bank rep at his/her desk.

I just don't think people are going to do this, and banks depend on that. If they were forthright about it..people would walk away.
Eloise on 07/24/2009:
If they are not going to read the fine print then they should have a list of questions to ask the bank officer when they open an account. But I still think people won't do this. Many people choose to be reactive rather than proactive when it comes to banking.
BokiBean on 07/24/2009:
OMG..I just used the word "reactive" in the other banking thread...get outta my head!
Anonymous on 07/24/2009:
I agree Eloise that people tend to be reactive not just banking but in most aspects of life.

Like on this forum. More people post comments (reactive) than post reviews (proactive). So in a way day in and day out the reactive people are constantly getting on to the proactive people to be less reactive. That's freaking funny.
Anonymous on 07/24/2009:
It's OK Crabby, you can L me if you like. I'm willing to wager, however, that I know a great deal more about this subject than the majority here, and it's clear that anyone who says the banks are all wrong is wrong themselves, as are those who are making stained glass windows for the credit unions.

What it all boils down to is that banking is not plain, simple and straight forward as it once was. Anyone who thinks that they don't have to learn how and then manage their account, is as naive as anyone who thinks the car salesman's first offer is a good deal... and will get just as screwed.

Further, anyone with an IRA, a 401k, a pension, or any kind of retirement plan is likely a stockholder of one or more of these banks, and is benefitting from these very same fees. Think about that next time you get one of those notices of a stockholder's meeting. You should be there voicing your concern.
BokiBean on 07/24/2009:
Oh now he's going after my retirement!
Nohandle on 07/24/2009:
Forget the online balance for a moment and forget the check register, if you keep one, for a moment. You best check with your bank as to their policy. Do they hold your deposits and immediately honor your checks? If so, you best find somewhere else to bank. I don't have deposits held for any reason. Available immediately unless it's after the close of day and I know it will be available the next banking day. Of course any check I've written that day won't be withdrawn until the next banking day either. Oh well.
Anonymous on 07/24/2009:
Yeah, Ken I agree that your knowledgeable in banking. Heck, anytime I have a banking question on here who do I ask? You. I get the feeling you either work or have worked in some fashion in the banking industry. In fact the only factual point of contention I've ever had with you is when I've understood you to say that banks can't process debit transactions on a given posting day in the order they occurred because I know that's how my bank does it. Proofs in the pudding.

When it comes to big national banks I don't think they're doing anything illegal I just feel like people would be far better served utilizing locally owned banks and credit unions who for the most part have consumer friendlier practices. Like I always say with so many better options available why risk doing business with the likes of BoA, Chase or the other big boys.

I agree people are woefully neglectful not only at managing their checking accounts but managing their finances as well. Most people have no earthly idea of their net worth or true cost of all those consumer goods bought on credit. Blows my mind. People spend more time figuring out the next American Idol than they do planning/maintaining their financial affairs. Crazy stuff.
Anonymous on 07/24/2009:
NoHandle, some of these people do not realize that when they hand a merchant a check that check can be debited on the spot now. People thinking they can get a couple days of float are long gone. Checks can hit your account as fast as a debit card now.

Another mistake people make is using a debit card at say a hotel check-in. The hotel will go and put a hold for say $500 to cover themselves, that will tie up $500 of your money for days unless the hotel releases the hold when they settle up at check out.

Check in with a credit card and pay with a debit card if you want at check out. Just don't give them the debit card at check-in. (of course unless you have enough in your account to cover all the holds) This holds true for car rental companies etc too, if you can find ones that will even take a MC/Visa debit card.
Anonymous on 07/24/2009:
Does anyone know how to balance a checkbook anymore?
SWMEE, I realize that you live in OHIO but don't let that be your excuse.
BokiBean on 07/24/2009:
KJ, I almost missed your comment! (VH btw) I couldn't agree more. There are many banks that are willing to participate in customer service, even now!

But you won't see many of those on this board..
Anonymous on 07/24/2009:
~~"Does anyone know how to balance a checkbook anymore?
SWMEE, I realize that you live in OHIO but don't let that be your excuse."~~

Hey! I resemble that remark! Somehow, this Ohioan manages NOT to overdraw the account, and I just wrote out $7,000 in checks between house stuff and buying a car stuff, AND, I have a debit card I use all of the time. I can't add or subtract worth a darn, but I manage. Yeesh!
Anonymous on 07/24/2009:
*laughing* Sherdy, I didn't know that you are in OHIO! My condolenses.......*joking*
DebtorBasher on 07/24/2009: no mind to ZZ...he's just jealous of us Ohioians!
Anonymous on 07/25/2009:
Okay, DB. I'll hold him down, I'll stuff buckeyes up his nose. ;)
DebtorBasher on 07/25/2009:
OK...then you hold him down and I'll stuff buckeyes up his [snip]
Fufu487 on 08/02/2009:
Lol wow this wall is getting a lil restless!! I'm with the banks on this one though. The bank has no idea what you have written for cheques until it comes through for processing. A lot of purchases done over the weekend may not show online until Monday. The ATM should always be up to date though, again, aside from cheques and such. In fact, I JUST had a wonderfully nice lady screech at me for 15 mintues because she got an NSF charge for writing a cheque forgetting about it, and not having the funds in the account when that person decided to cash the cheque. She actually blamed the bank, saying the person waited too long to cash it and we should have held the money. How is the bank to know what you wrote for a cheque that was not yet cashed??
BokiBean on 08/02/2009:
Well Fufu (love the name, btw), that woman is just plain silly.
Fufu487 on 08/02/2009:
Yes I know she was being silly. I just had a little moment because it was so recent :) Sorry for the rant :) And thanx for the name compliment Boki
BokiBean on 08/02/2009:
NP, I'm sure working for a bank has its moments. Good to hear it from the other side. Plenty of stupid to go around, from what I heard.. ;)
ttaplehcar on 05/22/2010:
You know, I had this same thing happen with them. I didn't even overdraft is the funny thing. And by funny, I mean it makes me livid. Time to stop using banks except to cash my paycheck.
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Do Not Bank With Huntington
Posted by on
OHIO -- I opened up a free checking account almost a year ago with Huntington Bank. I forgot to write down a payment of $20 which put my account under $5. I had three small purchases on my debit card which amounted to less the $20 and got a $37.50 overdraft fee for each one (that's $111.50 in fees and my account was only over $5) I asked them it there was anything they could do about it and they were unhelpful and told me not to spend money I didn't have in my account. ( No kidding. Don't insult my intelligence. I don't want to pay overdraft fees) I told them it was an accident that I forgot to write down a payment. I told them that my husband started a new job and would be able to pay the fees until 2 weeks from then. Well after 5 days you get charged $35 for "overdraft extension" then $7 a day. So for going under $5 I got over $200 in fees. Outrages fees, charge $.25 every time you use you PIN number to make a purchase, charge $2 just for checking your balance at a non-Huntington ATM, Unhelpful and rude. Definitely NOT a customer service driven bank. ONLY AFTER THE ALMIGHTY DOLLAR.

I am going to write to the president of the bank, BBB, and my congressman to see about setting fee limits for banks. The do for cash advance companies.
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Anonymous on 04/08/2009:
It's easy to say 'you messed up, pay up'. But, there needs to be some balance here. To charge a cumulative $200 for a $5 overdraft is simply wrong. If the OP had a clean history until the mistake was made, a little mercy from the bank would be in order. If this bank abuse doesn't end, Americans might start acting like they do in other countries...hanging bankers from poles.
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Non Stop Harassment
Posted by on
EASTLAKE, OHIO -- For the past 6 months, we have received collections calls from Huntington National Bank. We have never had an account through them. The calls are for someone else who had our phone number before us, even though we have had the same number for 3 years.

These calls never come when we are at home, always when we are at work, so we are never home to talk to the person calling. Literally every single day, we come home to a message asking "Carrie Shumberger" (not us) to call them. We have called them back close to 10 times to report the wrong number, but they keep calling. I have spoken to managers who promise to take our number out of the database, yet they keep calling.

They actually called us on a Sunday when we were home last week. Instead of talking to a live person to tell them they called the wrong number, I got the same recorded message.

I have already filed complaints with the BBB and the Ohio AG's office to get this resolved.
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Principissa on 01/09/2008:
This happened to us when we lived in Virginia Beach, the person who had our phone number before we did decided that he didn't need to pay his bills. For three years straight we got collection calls from various places for someone we didn't even know or who lived in our house. We had to get a lawyer to draft letters to the companies and the calls finally stopped after we threatened to sue them. It's a last resort, but it's something for you to consider if it doesn't stop.
tnchuck100 on 01/09/2008:
Send them a certified/return receipt requested letter. Include a copy of your phone bill. This will prove to them the phone number does not belong to Carrie Shumberger. Advise them of your intent to sue them for harassment if the calls continue.

Since this appears to be a first party collection and NOT a third party collection agency the FDCPA (Fair Debt Collection Practices Act) rules will not apply here.
Ponie on 01/09/2008:
I agree with Princi's and Chucks solutions. But, dogonit! Why should we have to go the expense of lawyers or certified/return receipt letters to get these guys off our backs? The nearest I got to a collection agency was late last spring when someone called about a person who had just moved out of our building. They somehow had the ability to pull up the telephone numbers of all people living at the building address. I simply told them I knew the man but that he had moved to AZ two weeks previously. I could have given them more information but I figured, you lent him the money, so you can find him now. Never heard from the place again--thank goodness.
Anonymous on 01/09/2008:
Contact your state's AG requesting protection from these misdirected harassing calls. It's worth a try.

AMEN Ponie.
Batman151 on 11/23/2008:
Been banking with them for 6 years. Looking to switch, they introduced me to a company called Affinion Group,a REAL corporate thief and scamming company owned by Apollo Investments. A FREE OFFER FOR AD&D insurance for $1000.00, just for having an ccount with them!
Stupid me, they've been taking 154.50 out of my bank account for this year, every 3 months. Can't get a refund, even though I DID NOT AUTHORIZE any deduction from my accounts. I got Affinion's form, they want me to sign, have notorized and send back so they CAN REVIEW it and get back with me in 4-6 weeks. THANKS HUNTINGTON! I posted real detail about this here:
[solicitations not permitted]
Batman151 on 11/24/2008:
Spoke with customer service, OH JOY! Basically told me to deal with the company committing the fraud to get my money back. Also, when I tried to ask them to "lock down" my account for any new company collecting bill pay via debt, they sai that it is their policy to grant any cmpany to set up debts as long as they have the correct routing and account number. So if they have a copy of my check, they can take my money. She told me that I can block them from doing it individually, but they charge for each instance.

ARE ALL BANKS LIKE THIS? I think I'm gona have some real fun finding a satisfactory bank.

On another note, if you or I take money, any amount, from someone's bank account, we going to go to jail, real quick! But if your a company, you don't even have to give it back now do you? Anyone want to form a corp with me?

AND... Affinion is one of many DBA's, hundreds, look them up at BBB. Many of them are listed here, one of which is HSBC Credit card services, they sell "protection". The got me for 4 -80 dollar withdrawals in '07, they gave me my money back. Wonder if they can "PROTECT" me from AFFINION? The wolf guarding the hen house?
Wha has this world come to?
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Just a Number
Posted by on
TOLEDO, OH -- Today I realized what I should have realized long ago, but held out hope it wasn't true. At Huntington you are just a number. And while this number will not be missed in the slightest by them, a local credit union added ME to their member list.
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Anonymous on 06/10/2010:
Glad to see you've decided to come join us on the other side. But make no bones about it, you're still just a #, regardless of who you bank with, where you shop for groceries, rent your movies, etc...Consumers are nothing more than $ dollar signs to retailers. But being a member of a credit union is such hassle free relief, that it pays to switch.
fast327 on 06/10/2010:
Our credit union has a lot of local people who know their customers personally and always greet you by name.
Anonymous on 06/10/2010:
I've been a member now for over 14-yrs, and I'd never go back to the money-hungry, monopolizing, mongers like BOA or Wells Fargo.
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Surprise your in the negative!
Posted by on
I am VERY unhappy with Huntington and taking my business elsewhere. They charge you insufficient fund fee's for transactions that haven't even posted to your account yet!! Ridiculous! and that's "company policy". Forget it, done with this bank for GOOD!!
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MaggieMcT on 09/10/2009:
Bad news for you, OP. The money is supposed to be in your account BEFORE you spend it.
msnanny on 09/10/2009:
It wouldn't be a surprise if you were keeping an accurate check register.
saj80 on 09/10/2009:
First, it's "you're", not "your", but I digress from the grammar lesson. I thought everyone knew by now that there is not "float" period regarding financial transactions, due to advances in technology. As Maggie said, with electronic technology, don't spend it if you don't have it.
tnchuck100 on 09/10/2009:
MaggieMcT, this COULD have been a pre-authorization that would not actually post. If so the bank is just plain exercising their legal ability to fleece the customer. Banks should not charge an NSF fee on pending items.

Amy, find a credit union. They are far better than the big banks.
tnchuck100 on 09/10/2009:
When it comes to pre-authorizations the most meticulously kept check register will not save you from this despicable bank tactic.
yoke on 09/10/2009:
Why did you make a transaction knowing you did not have the funds in your account? Even credit unions expect you to have money in your account when you make transactions.
tnchuck100 on 09/10/2009:
Are all of you missing the fact the transaction had not yet posted?
yoke on 09/10/2009:
Not missing anything, the OP made a transaction without the funds there. When was the OP planning on putting the funds into the account for the transaction? Did the OP contact the bank to let them know when they would be making the deposit? Even credit unions expect you to have the funds in the account before making a transaction, even if pending.
tnchuck100 on 09/10/2009:
But credit unions do not impose NSF on pending transactions. What is so hard to understand about that?
MRM on 09/10/2009:
Some people got thicker heads than others.
Skye on 09/10/2009:
How can this bank charge you for transactions that have not posted to your account??

Very fishy....Where is this Huntington bank located?
yoke on 09/10/2009:
When something is pending the funds have to be there. I have had things pend from an hour to a week. Exactly how long does the OP have to make a deposit for the transaction pending?
Suusan B. on 09/10/2009:
The bottom line here is that the OP did not have enough money in her account to cover all of the debits she authorized. The best way to avoid this is to maintain a balanced check register, consider all debits as posted and not spend more money that you have available. It is called basic banking whether you are using a bank or credit union.
Anonymous on 09/10/2009:
Just please don't say you're taking your business to Chase or Bank of America!
Suusan B. on 09/10/2009:
Actually, I'm a former Wamu customer who now banks with Chase. I've never had a problem with them because I keep close track of my money and never overdraw my account. No matter who you bank with, even if it is a credit union, you should not spend more money than you have in your account at any given moment in time. Why is this such a difficult concept for people to accept and understand?
Diabolical on 09/10/2009:
I am with a credit union and have been hit with Insufficient Funds fees before the transaction was posted - if the authorization states there's not enough money in the account, you will be charged the ISF fee, plus they will try again "no sooner than" three business days.

When this happened, I just called and explained what had happened and the teller was more than happy to remove the ISF fee. I was polite and simply told her I was confused.

You get more flies with honey...
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