Commerce Bank Informative - I hate Commerce Bank!!
NYC, NEW YORK -- There was a time when Commerce Bank was a wonderful customer service institution. They had free checking accounts, no fee coin stars and friendly staff. When you called with questions and concerns, you always hung up the phone feeling that your issue was resolved.
Well those days of the "nicer/friendlier" Commerce Bank are a thing of the past. Now the people that work there are either ghetto or brain dead, fees are in abundance, and every time I call their customer service line I feel more angry or confused at the end of the conversation.
I have had numerous bad experiences with Commerce over the past year, but this time I have had it. If my city job wasn't taking its sweet time switching my direct deposit to my new bank I would have completely left them ages ago. Last week I deposited a payroll check. I have had Commerce for years and I have never not had a payroll check clear on the same day. I went home checked my balance online, which indicated that the check was cleared. I paid my credit card bill online the same day. Two weeks later I get a letter in the mail saying that I had overdrawn my account and they had charged me 35 bucks in "uncollected fees". I spoke with custover service and the supervisor etc etc and the short of it is.......they won't give me back that money even though online it says that the funds were available and the teller never said they were not available immediately (even though they have always been for the last 8 yrs). I work hard for my money and 35 dollars is a lot to give to Commerce. Commerce works hard at finding any way they can to take my money... and yours!
Luckily I am from a military family and was able to join USAA. It has been the best banking experience ever.