I had my banking accounts with a local bank for years without a single problem until several years ago these rip-off artist came in our towns and bought out all the banks. Now we have Niagara Bank, NBT Bank, Bank America, and Citizens! All big banks with big dreams of screwing the public over and becoming the BIGGEST! I had a balance of $116 in my account when I noticed I had sent out all my bills but forgot to deposit my check. Keep in mind, the bank gives every single person that walks through their door a $500 overdraft protection!

The next day I go to the post office and I have several overdraft notices each for $30! My online bank payments came to $530! When I went to school $500 over draft protection plus $116 account balance came to $616! Someone tell me if my addition is incorrect please???

Needless to say, these crooks took all of my account balance as fees and then turned off my message communication line so I could not dispute the issue! I am closing my account with these money thieves and taking my business to the credit union! Not only have I had better experiences with credit unions in general, these 'BIG BANKERS-LIKE THE FOUR I MENTIONED ABOVE (and by the way there are many more) HATE CREDIT UNIONS!!! My suggestion to folks is STAY CLEAR OF THE MEGA BANKS. THEY'RE WALL ST IN DISGUISE--RIPPING OFF THE POOR!!!

The credit unions are much more customer friendly and I'll guarantee you they will give you your loan request over the MEGA BANKS any day! MEGA BANKS are for the 'millionaires and billionaires' and they are not interested in you and I other than our money! (just to make their corrupt port folios look better than they really are) Just look at California just several weeks ago with the MEGA BANKS!!

I also believe you should not keep all of your eggs in one basket! Self explanatory! And keep in mind these MEGA BANKS are still making the 25% and 30% plus interest rates and giving you 2%-3%! How's that for GREED!!! My savings is not in banks at that rate! They are not in Wall St either because they're more corrupt than the banks!

Hope this sheds some insight for folks before you end up like the folks in the 30's depression! We are already there just the government is giving us a line of 'BS' as always!

I stopped reading after the FORGOT TO DEPOSIT MY CHECK. You screwed up and it is their fault? Next moron in line...