Getting held up by the bank

I’ve been a customer of my bank for several years, and I rather like them. They’ve been good to me, and they haven’t hosed me like a couple of other banks have.

But they just messed up my account for the second time in a majorly inconvenient way.

Last year, on Superbowl Weekend, I deposited my tax refund on a Friday. Saturday night, I went shopping (yes, Building 19) and my debit card was declined. I had over $1,000 in that account, and they were saying “no” to $60.00. Luckily, I had my receipt, and it took some time, but I got my money back.

Then, recently, I went to take some money out of my savings account. They wouldn’t let me — it turns out the last time I withdrew money, they listed it as a deposit instead of a withdrawal and my passbook was out of whack. They wanted me to go back to the branch that made the mistake and have them fix it. I was already running late to work, so that was NOT an option.

I asked if it would simplify matters if I simply closed all my accounts with them and took my business elsewhere. At that point, the teller asked, “look, can’t we just give him his money and fix it later? He can pick up his book later.” The supervisor saw the wisdom of that move, and I got to work only a few minutes late.

When I picked up the book, the supervisor was very apologetic. I pointed out that when I mess up my account, the bank charges me an overdraft fee. Does the bank do something similar when the error is on their part?

Apparently not. He mollified me with more apologies and an L. L. Bean fleece blanket (the current prize for opening an account).

So, while I’m generally very happy with my bank, these two instances have me wondering if I should move on. The most convenient option would be to go to Bank Of America, but I still have bad tastes from them — they bought out Fleet, and I have bad feelings about them. But as I understand it, when they screw up, they pay you $10.00.

Again, though, Bank of New Hampshire has been pretty good to me, the above two examples notwithstanding. Anyone want to share banking horror stories (ones about Fleet/Bank of America especially) to convince me to stay?

J.

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