Kowe (kowechobe) wrote in bad_service,

Bank suck

I've been back and forth for a while debating in my head if this is bad service, and decided to post here to get your opinions on the matter.

Background: I belong to a local credit union that my parents have had accounts with since I was little. I now have my own checking and savings accounts there, and direct deposit my paycheck into my checking. When I signed up, I was told that when my paycheck is deposited, I would have full access to all of those funds and be able to withdraw at any ATM. (This is relevant to my suspected bad service.)

Long story short, my paycheck was deposited two Fridays ago and read as over $700 in my account. However, my banking app and the bank website told me that only $400 of it was available for use. I figured that it needed maybe 24 hours to catch up with what I'd been told, and waited that extra time, only to still see that it was listing only $400 as available for use. I needed to pay rent, so I was going to withdraw the majority of it out so I could pay, and knew I had a bit of time (about a week) before rent was due. I was checking it every day, and it never changed to show the full amount in my account as available for use.

This concerned me, so I decided to try withdrawing as much as I could from the ATM at my work (not affiliated with the credit union). It came up "invalid pin" so I called the 1-800 number on the back of my card and verified with someone who worked at the bank that my pin was correct and I was using the right pin. They also told me that the ATM at work was not recognized by the bank or the bank card and suggested I try an ATM somewhere else. I took that advice and have now tried at least 4 different ATMs in 4 different locations, all of which still come up "invalid pin" and won't allow my withdrawal.

I finally went into a branch today when I had some time, and spoke with a teller about my problem. She gave me the amount I'd been trying to withdraw through the ATM as a regular withdrawal and when I asked what she could do about my ATM problems, she flippantly suggested that I call the 1-800 number (which I'd told her about already doing). Then when I reminded her gently that I had already done that, she said "Oh, we can send you out a new completely random pin but you wouldn't be able to change it after we do that at all." I don't see the point of doing that when I'd set my pin up to be something I could remember, and after all, what is the point of them resetting my pin if I can't put it later as something I can remember? I'd just have to keep running it as credit or going into a branch, which is very out of my way (across town, not near where I work, only open during the hours I work, etc.) I'm at the point that I want to change my direct deposit and primary checking account to somewhere else because of this tomfoolery.

To me, this seems bad service or at least a suck/annoyance, but what do you think, b_s?

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