I used to work for National City as a Manager. YOU WANT TO GET FEES REFUNDED HERE'S HOW:
1. Make up some crazy lie about why your overdrafts happened. Ex: Your mom just had a stroke (some uncontrollable illness/family problem) and you weren't thinking straight and you meant to use your credit card and you used your debit card all day (CRY). These people are just like you. Unfortunately, they are kind of like cops, but really they are everyday people outside of that building.
2. If they're still unwilling to refund anything, that's when you don't mess around. If your talking to the Asst Mgr, ask to talk to the Branch Mgr, if you're talking to the Branch Mgr, ask to talk to the Regional Mgr, if they wont give you the phone number, call the call center and be SUPER nice to the representative. I knew of a branch where the customer was able to get our MARKET MANAGER's phone number AND her assistant. This is VERY scary to bank employees because 9 times out of 10, they will be forced to refund fees because Market Managers will refund A LOT.

The thing you need to remember is that you have to work to get your money back. You have to pretend you're in drama class and cry or threaten to call your local news station. In this market, there is a bank on every corner and they are all fighting for your business and all of those branches need to hit goals. All Regional Mgrs get reports stating open/close ratios, how many accts they opened that day to how many accts they closed. You need to threaten to pull all of your business and not do future business. You need to say that they will be losing your RELATIONSHIP- your DIRECT DEPOSIT. Also, tell them to compare what you've paid to what you're asking to be refunded. Sometimes you just need to be real with them. Ex: "I've already given you 1,500 in refunds and all I'm asking for is 200 so I can pay my mortgage/rent/just live. If you don't give me these refunds, your bank will be losing out on all of the potential overdraft fees I will pay in the future!"

Tip: Bank of America and CHASE just put out some regulations about o/d fees. Pretty nice for you habitual overdrawers. Hope this helps, it's hard out there.

TERRIBLE! Especially since it got acquired by PNC, this bank specializes in ripping people off. One way is if you use another bank's ATM, they don't recognize that immediately but let the fee build up so that it's a large amount that will most likely cause an overdraft. They never used to do this.

Another trick they like to use is letting the credits(-) go first before recognizing any debits(+). That way you're likely to overdraw then get charged their high $36 overdraft fee per overdraft transaction. I got charged $36 for being 20 cents on the overdraft side. I can tell easily that they recognized the money going out first just to charge me the overdrafts.

I'm sick of this bank and I'm in the process of closing it. Anyone with recommendations for a bank with better policies?

This bank is terrible. Evryone I talk to hates It. I cannot wait until I finish closing my acoont. If you have problems they always say it was your fault and that is our policy. I was charged an overdraft fee for taking cash out of an atm when the my balance was good. then it reported an overdraft. I went to complain and they did not do anything for me. I was new to them and young, so i had my dad go tear them a new A-hole. they eventually dropped the fee.
There customer service is horrible and they try to rob you of your money. Definitely dont get a credit card with them. thats even worse than the banking. I hope they go under

I just changed my account to National City and am sorry I did.

It was never explained, and I have requested that they send me their policy, regarding overdraft fees for 'pending' items. Pending items may not actually post to an account, so they are charging for something that may or may not come through on the account.

I placed an order then went and deposited money. However the 'pending' charge put my account at a negative balance, so I was charged $35.00. When I asked them to explain to me why my account was overdrawn, they only indicated it was because it was negative. I asked them to point out exactly what transaction brought it to a negative status. They gave a round about answer but specifically said they do not charge overdraft fees on pending items. So I again asked them, if it wasn't the pending transaction, what item caused my account to be overdrawn. I am still waiting for an answer. Because they indicated it WASN'T the pending transaction, I'm not sure they know how to answer because there was only one other transaction on my account, which cleared, and then my deposit. Looking for another bank.

Background:-
Applied for refinancing back in April (looking for 30 yr rate <= 4.875%) and paid application fee of $350. Was advised by the agent that rates are high and that if I want specific rates then I'd have to wait until rates fall until then application will remain active. Rates dropped recently to whereabouts of my target so I contacted the NC agent for updates, only to be informed that my application was canceled for INACTIVITY. I asked about the application fee. "Ohh, that has been refunded back to the account from where it was received" replied the agent. I checked my back and no deposits were ever made. I requested that my application be made active and processed for refinance asap and schedule closing within 2-3 weeks before I go overseas for business travel, only to be told that its not possible.
-------
With excellent credit rating, I can go shopping wherever I want, but I felt cheated and disgusted by this un-professionalism. I am looking for venues where i can report this. NO to NC!

- A Disgruntled Potential Customer

I am a self-employed small business owner doing wedding photography while I am a stay-at-home mother for my 21 month-old.

I deposited 4 checks by way of three trips through the atm machine in one week totaling $1400. Three of the checks where National City checks and fourth was a seven dollar Staples refund check. So they should have posted right away (or at least in 24 hours) all but the little Staples check anyways.

But instead the bank withheld all of the checks for days and which caused me to overdraft 13 times totaling $468. I had only used the debit card for very small transactions like soda pop at the gas station while I was working so my actual charges were not very much at all and the money should have been in there. In no way was I thinking that I was "cutting it close" to overdrawing my account.

They never called to inform me of any of the overdrafts and when I called the bank and they told me it was my fault to keep track of my account (which I did) and refused to talk off the overdraft fees.

In the end, I still had a positive balance which didn't make any sense in admist of all the overdrafts. They just made it work out so that all of the debits posted before any deposits so that they can scam of money out of my account.

I am currently looking for another bank and refuse to make any more deposits at National City.

One last thing, when I deposited the small check with a larger National City check through the atm I messed up the deposit amount by ten dollars. They deducted the correction from my account and also charged an over draft for that while still not clearing the check until after they could charge one last overdraft fee!!!

Something needs done. This is big business screwing the little guy (or girl in my case) again.

I have had my accounts at national city for a very long time. There have been instances over the years where they have allowed checks to clear before they were supposed to and in one instance when I was out of work caused a major problem for me because they continued to post daily nsf charges when my account was not overdrawn in the first place. It was their error. Even though I pointed in out to them and showed them my statement, I ended up paying over $300 to correct it. In other instances they would make changes to my online account without authorization from me. I have had it with them and will be closing my accounts.

Fed up in Columbus, Ohio.

I have a checking account and a savings account with Nat'l City. I withdrew too many times from my savings (6 is the limit) and I was expecting a $15 fee (my second time doing this, I know. sucks...). I just got a letter in the mail yesterday (my cycle ended on the 6th) saying that my savings account is on hold. I go online to checking my available balances and my savings account currently says $-999,999.99. I'm sure this is a filler for my account being on hold, but I practically died! I transfered money from checking into savings via online transfer, and the negative number went up! As if I transfered money! I hope I can get the $95 out of there before I shut down the account. I don't know what to do. I need an explanation! What is this!?

My debit card stopped working all of a sudden because they sold me out to another bank. They claim they sent me letters of some action I have to take but I didn't get any of them. All I know is that they didn't send me an email, or message on nationalcity.com or give me a phone call whatsoever. I have been with no cash for the whole weekend and it's the worst thing a bank can do to its clients.
I will go there today to get all my cash and close my account as I have no tolerance for such a big mistake.

***WORST BANK EVER!*HORRIBLE CUSTOMER SERVICE!!*QUESTIONABLE BANKING PRACTICES*
I have had nothing but headaches and numerous inconvenient conflicts with this bank in the short 3 months since I opened my account. I opened an account with NationalCity because they were offering a $100 promotion for new accounts if you make 10+ debit purchases within 60 days. Imagine my surprise when my debit card didn't work because NationalCity CLOSED MY ACCOUNT WITHOUT MY KNOWLEDGE before 60 days had passed!! I also had direct deposit from work setup with this account so I was *HORRIFIED* that NationalCity closed my acct. I called and was told that my acct was closed because 60 days had passed without activity. I was upset because this was ENTIRELY NOT TRUE!! The rep checked and, indeed, discovered that they had made an "error". However, I was told it would take a couple weeks for them to reactivate my acct, send me a new debit card, blah, blah, blah... Of course, in this time, I was unable to use my debit card. Once my acct was working again, I still made 10+ debit purchases WITHIN 60 days but never received my $100 promotional offer. After several inquiries, I was told that I did not make 10+ debit purchases within 60 days, and I had to bring in my statement to prove that I did. The problem with that is that NationalCity *HELD* those debit card transactions for MANY MANY DAYS and DID NOT POST MY TRANSACTIONS until AFTER the 60 day period was over!!! This was combined with the fact that I couldn't even use my debit card for a while since THEY CLOSED MY ACCT FOR NO REASON!!!
I was nice and patient with them throughout the entire ordeal but I have wasted enough of my precious time and money w/this bank. There are too many other banking options for us out there than to give this horribly subpar bank our hard earned money and business.

The only good thing about this bank is the "points" you earn for the money you spend. This bank is a theif! For a total of $70 in overdrafted items (stupid 2 and $5 items) I was charged $205.00 in fees, and I had checked my account the night before and there were no pending items showing!!!! I even had two checks for $10 ea come through and they always show in the pending section! This place is a bunch of crooks and I hope wallstreet shuts them down. I hate to be them in later life, you know what goes around comes around. Rediculous!

Simply terrible, their joint credit and debit card does not works, employees are not well trained and managers are very rude. Took money from my account without consent and never gave it back. Is a foreign bank that does not deals well other foreign (like latin American banks).

The Worst Bank.......of united states. I think this bank should be closed and should not work anymore. The customer care services reallyy sucks. No manners of communication. I have worst experience with national city. I made a complaint at national city for unauthorized transaction for $248.46 in the month of june. And the fraud detection department mada a decsion in the month of August that I made that transaction. They billed my account for $248.46, which made my account to in negetive. They started charging me for overdraft fees of $8 per day. When I complained about all these to customer care, they started shouting at me, and they are trying me responsible for that amount, which really shocked me. They were trying to force me that we send you so many letter for the communication, but it shocked me that I didnt recieved any letter for their decision........suckers. The only letter i received from that was over draft charges, which they really want from every bank customer. They are real suckers and will suck your money.......without any reason. Plus none of their employee has any coustomer services manner.

IF YOU WANT TO SAVE YOUR MONEY...........JUST STOP BANKING WITH NATIONAL CITY. THEY ARE JUST DECEPTIVE, DISHONEST AND *******

Worst bank I have ever dealt with! If you have an account with them, I would suggest closing it now. Even under management of PNC Bank, they still boast horrible customer service. They charge inactivity fees and rediculous overdraft charges that increase 8 dollars a day after 3 days, while the letter they send you won't even reach you until 4-5 days after the account is overdrawn. Your business is of no concern to them. You are simply a way to collect high fees.

Avoid this bank at all costs! This bank has some shady practices such as holding deposits for at least one day even if the check you deposit is from their bank. This means that you cannot use the money for as much as two days. They also fail to post charges to your account for up to five days. This includes anything you use your debit card for. Also, their onlline banking is false. Where they show a "running balance" is not actually a running balance of your activity as received by the bank. The customer service is a joke. The person who opens your account for you will lie and tell you whatever you want to hear and later you will find out the truth. The customer service with give you the runaround worthy of an Oscar Award!

As a management and accounting student, I understand most banking procedures but I am completely amazed that this bank does not follow basic, standard accounting practices.

i told them i would be in the hospital for a few days and i wouldn't be =
able to check on my acct, i told them to put it on hold. they said it =
would be ok, over $150 later in $8 day late fees nothing was done, even =
after informing them of the hospital stay, poor

NATIONAL CITY MORTGAGE IS HORRIBLE!! I recently got my Mortgage Refinanced through National city mortgage in Louisville KY....... I locked on jan 19th 2009 with a agent i had done business with at several other companies. a few weeks after he left national city (i wonder why?) and that is when it all started. I had to call them after a week and a half to even find out who was handling my file....the former agent called me and told me he was leaving and that's the only way i knew. i got a name from him of a VP to call...Nancy Oyler....she is super nice, IF you can ever get her to call you back. I called 2-3 times a week monday, wed, Fri and could never get her on the phone or even get her to call me back.. I even left my email attempting to get her to send me communication that way....this went on and on and on....... needless to say their follow-up on returning calls absolutely sucks. all i wanted was someone to give me a status update update on a weekly basis and I tried to explain that to them multiple times...they did not get it. I finally closed in the first part of JULY!!!!!!! 2009...... are you kidding me? almost 6 months to close a simple refinance? How can that be...I often thought if these people worked for me.....well they wouldn't! I lost $10,000 in home value during this time due to the crashing housing market and got hosed out of taking care of some bills I wanted to.....and what you might ask did they do for me? Nancy was nice enough to give me a $200 "premium credit" off my closing costs...Well thanks a lot. I am happy to just be done with this crap. it was the worst refinance experience I have ever had.....and then to put Icing on the cake, Like closing costs weren't freaking high enough already. I get a bill from my former mortgage company for $30 for the payoff statement that they did not account for in the closing costs. no follow-up high closing costs, 6 months to close. STEER CLEAR. I have done about 3 refinances and never had anything even close to this experience

It's a simple story.... overdraft.. my fault... overcharge $36 as expected... but for some reason the mail runs slower in the National City universe than the rest of the world.

I received my overdrawn notice in the mail on the 24th of the month. The letter was dated the 19th... and just so you dont have to get a calculator out...that's 5 days. The post date on the envelope was dated the 22nd... yep..3 whole days later. for some reason... it took National City a day to type up the letter... wait a day.. stuff it in an envelope... wait another day.. THEN manage to get it in the mail to me.

While all that was taking place.. National City got to charge me another $8/day because I "didn't pay the overdraft in 3 days" from the date on the letter....... go figure.....

National City is a thief.....

After years of being faithful to National Shitty Bank, I have finally had enough. They have robbed me for the last time. This time it cost me $136.00 in overdraft fees and the money was there the whole time. Their reasoning for these fees are so rediculous I wonder how they can call themselves a bank. Funny, how they can hold a deposit when they want and rush certain checks and charges right thru your account that would normally take a couple of days. This time they hold my payroll check which was deposited on Friday, then on Monday they grab two checks that I had written to my work place that were deposited into the same account that my payroll check comes out of, the worst part is these checks were deposited after cut off time, around 3:30 p.m. National Shitty grabs them deducts them from my account and gee my paycheck isn't in there so what, I get two $34.00 overdraft fees. Then I have two charges that normally take a couple of days to clear, one for $1.65 and one for $17.15, no paycheck in there yet, so gee, two more $34.00 overdraft fees. Immediately after they charge my account all these fees, they decide to put my paycheck in, all this in the same day, Monday all in the late afternoon. They must train their thieves well.
Don't even bother to call customer service for National Shitty. They are the worst people to walk this earth. Mine told me, No! you don't get your money back, if you read your deposit slip it tells you we will hold your deposit how ever many days we want. And she said go ahead call a lawyer, they obviously train these monkeys well too. There is one thing I forgot to tell their joke of a service representative, that when I called to check on my balance on Saturday, that little computer guy on the other end of the phone told me my money from my paycheck was in my account, he must have been lying too!
I am now warning everyone to stay away from this bank, they will rob you when you are not looking and they will not give you your money back. I hope one day they will pay for all their greed and the people they have wronged. They need to be sued by everyone they have stolen from. I know I would join in and I have plenty of proof from over the years of their crooked fees. I know, I should have left this bank a long time ago, what can I say, no excuses, but I am older and little wiser now and I am taking what is left of my money and going to a friendlier and hopefully more honest banking institution.
Thank You & God Bless

National City = overdraft fees
PNC = overdraft fees

got overdraft fees = national city

u have been warned

This bank is the worse!!! I've never been treated with little respect when I'm the one who is giving them money!!! I paid over $400 in over draft fees, and they keep adding on to it. They give me the run around saying I need to deposit cash instead of check. So I did. And I still got charge!! They don't care about their customer service. They will give you fee after fee after fee!!

Do NOT go to them!!!! There are other banks better!!!!! They are not even worth one star!

This bank is horrible. NEVER open an account here. We actually opened an account at this bank after checking several out because we were fed up (or so we thought) with our current bank. You could never be sure what your account balance was, we got charged with hundreds of dollars in fees, and their customer service was usually completely rude and useless. We finally tried to close the account and the bank kept taking out account maintenance and automatic savings fees, reopening the account. Apparently you can never close an account there. Every time I just do a random check of the account, it is negative from an NC-initiated withdrawal. We have found exactly one teller in one branch who is helpful and has tried to get our situation straightened out, but the bank is doing all it can to undermine him and reinforce our opinion that opening an account at this bank was, by far, the absolute worst decision we ever made.

Horrible customer service! I don't care how much or how little a customer has in their account, you should never stand up for being treated like garbage by your bank! I made a purchase online and the retailer had an honest to goodness issue on their site resulting in me being double-charged. I contacted the retailer immediately, they apologized and assured me I would be issued a credit instantly. I saw the item cancel but didn't see any credit back to National City online within a couple hours. I called NC's support and the CSR was very helpful and advised me to simply get the authorization number from the retailer and they'd be able to instantly credit me. I got the authorization number and called back with roughly 10 minutes before they closed -- this time, the CSR was very hostile. He kept stalling and finally pulled up the appropriate information. After asking me to hold for a couple minutes and telling me he couldn't find any charges (although the previous rep did so in under 10 seconds) he states "Oh, I found the issue here. Unfortunately, we're now closed. Call back tomorrow, hopefully you won't overdraft." He ended the call.. Needless to say I will be closing my account and moving back to my local bank (which had fewer services but GREAT CUSTOMER SERVICE) It cannot be said enough about these people at National City...HORRIBLE CUSTOMER SERVICE! Once they get their money, they will shit all over you.

I have been a member of National City for about 5 years. It is the best bank I have ever been in. For starters They offer overdraft protection, which has come in handy a couple of times. They offer great rates on savings accounts, better than a lot of other banks. But for me the best part is when I call their customer service line. The quality is always great and they always are able to give you cd and equity rates over the phone and I don't even have to go to the branch to open up accounts right away! I love National City!!!

If I could give this bank negative stars, I definitely would. They charge you overdraft fees on things that have not even been posted to your account! I made a charge on my account and received overdraft fees for it when it wasn't even posted to my account yet! It was a charge, not a debit, and I talked to customer support, who was very rude to me like usual, and they said that charges now get sent to them right away and it's not their fault. I explained to him that I lost my job, I'm on limited income, and really needed help and he said "it's not our fault" and refused to help me. This bank can shove it. This is one of SEVERAL occurances I've had with them. They mess up accounts like crazy, they charge you tons of fees for nothing [like when my brother got below like 10.00 and hadn't used it in a while and they charged him 7.00 every single day until they over drafted him and charged him hundreds because he just hadn't used his account in a couple months], and they charge you overdraft fees on charges that are LESS than a dollar and if you have several of them you get charged 38.00 A PIECE for them and they refuse to help. About 5 years ago or so i had to pay them hundreds and hundreds of dollars because of small overdrafts. I'm so tired of this bank. I'm switching next week. THIS IS THE WORST BANK!

Hi all you really need to read this we went to atm to withdrawl money from it and it made a grinding noise spit out the paper which said it gave us $420 and gave us no money at all when my man went inside and seen alady which was the branch manager putting money in the atm then she came over and said since we dont bank with them we had to call the number on the back and dispute this which after all said and done it will take 30 days to dispute this even though on the back of this card it says national city on it ,,, nothing like the banks trying to get over on people... i have spent hours talking to the people i needed to try to speed the process which doesn't look like it will,,, but we got the police and bbb and attorney generals office and was told to take them to small claims ya know this is just sad how people are this day and age we all have enough we are going through to even having to be dealing with such i will say this lesson learned never bank with national city and take very lil out when i go to atm and be from our bank,,, oh and to let you all know how bad it is they said that they have no video lol ok and the balance sheet was perfect whoever hit the jackpot i bet it was perfect for them but for us we needed our money in the worst way and to be done like that was amazing i also think the only way we can get tape by what we have been told is to take them to small claims court!!!

Bank of Thieves is more like it!! I had a positive balance in my account on 3/31/09 and was charged eight overdraft fees at $34.00 apiece. After all of this I still had a positive balance and a day later was charged an additional five overdraft charges for a total of $442.00 of overdraft charges on my account despite never falling below a zero balance. They couldn't explain it over the phone or in person but offered to have a specialist call me back in 1-2 business days. How nice of them. They steal $442.00 of my money that I trusted them with and refuse to talk to me about it!! If anyone has had similar dealings with this institution, please e-mail me and tell me about it or post it here. I am considering a lawsuit and would like some other instances to show its not just a one-time error on their part.

This is the most kniving, thieving bank I've ever had the displeasure of dealing with. They will do whatever they can to get you to overdraw. They will keep a fee pending until your account is low enough that it will cause you to overdraw, and then pull the money! Then they will charge a $36 overdraft fee and another $8 A DAY! They will sent you a notice in a letter, and who knows how long it will take to arrive! Do NOT OPEN AN ACCOUNT WITH THIS BANK AND ALWAYS READ REVIEWS!

RUN while you can! I asked someone there about my fees and was told I would not be charged untill the item causing me to be overdrawn posted to my account..Well the day before it posted I was charged over $200 in fees, When I called to ask why, I was told becasue there was an item pending. How can they charge me a fee on something that is not even posted yet?? Now I have to pay back hundreds of dollars. As soon as I get that taken care of I am done with this bank!!

By far the worst bank I've ever dealt with. They promised me overdraft protection countless times and STILL charged me $36.00 for every time I overdrafted. Also those reward points are absolutely pointless because they never give you anything as promised.

If I could give zero stars, I would. I finally got my priorities in order and joined a credit union with not nearly the hassle of a bank. National City NEVER ceased to amaze me, as far as what they were able to get away with and how bad they took advantage of everyt opportunity to trick me into every charge they possible could. They are definately crooks, as many banks, but National city is one of the worst! Not to mention lack of availability of customer service and poor store hours, very unfriendly and they have a policy of doing as little as possible to make a customer feel appreciated. STay away!!

Terrible bank!! Customer service rude and abusive! No corporate headquaters to resolve issues! Issues being constant taking in and out of your account. When presented with documentation, start the stare-down, sarcasm and prevarication.

This bank sux! I banked with them for over 10 years, never overdrawing my account. Suddenly, I made ONE mistake with my account and they started holding my debits and overdrawing the account right before every payday. It would take them 2-3 days to post any credits and would send through all debits first. I dealt with this for 2 months before leaving and going to Commerce. I never been happier (or richer)!

I have been with National City for over a year and a half now. I left Citizens Bank part of the RBS (Royal Bank of Scotland Group) cause Citizens screwed me with over draft fees when someone stole my account info from a paypal transaction that i did for ebay. In the time i have been with National City anytime i would get and over draft fee the tellers would refund me for the fee cause anything under a $1.00 to get a 36.00 over draft fee is just crazy. They will work with you. I will say there rates on there Loans are so high it could kill ya with the payments in the end. But they have dont nothing wrong in my book. Branch wise. As for the customer service department when you call there 800 number there a bunch of dipsh*ts. They can be the rudest people. I called to report my Visa check card stolen and cause i have two on my joint account i needed the number they said. I told them i didnt have the number just to cancel both for safty. they said they didnt have to cancel both that i was stupid for letting someone pick pocket me. Sorry i didnt know it was against the law for someone to be a victim of a pick pocket. there customer service department and call center which is located In Northshore, Pittsburgh Pa behind PNC park. you can see every one of them Cracked headed, Nappie haired, smartmouth, uneducated bastards walk out. They are the rudest people and ther eonly being paid 7.35 and hour. they ahve no reason to be rude cause there benofits package is out of this world. I am glade PNC bought out National City. I was wondering how long it would take this bank to go Titts up and it went Titts up fast. Bloody bastards need to all be fired and let PNC have it all. I ready to see my checks with the PNC logo on it now.

NEVER EVER bank with National City. For about 3 months I had never had a problem with the bank. Until I get a call that someone had received my first and last name AND my SOCIAL SECURITY number on a piece of paper handwritten that came in their mail with their checks and bank info. That bank could have ruined my entire life if it had gone in someone else's hands. There was NO EXCUSE, that my PERSONAL information went into someone else's mailbox. PLEASE for your own sake DO NOT BANK WITH THEM. If it can happen to me, it can happen to you. They don't keep your information private and aren't a responsible bank.

Ntional city does have an account you can add to your checking acct. It works like a credit card and deposits money in $50 increments whenever you go over, then it just charges you interest until you pay it.
It even automatically makes the minimum pmt if you forget to pay it yourself. I have been with Nat city for over 10 years with this acct. Anyone who has ever had an overdraft fee should have one of these accts, no more worries. Banks do make money on fees, they are in business to make money. Get one of these overdraft protection accts, best thing I ever did. PS Sorry,you do have to pay the money back!!! and the interest is high, but not as high as overdraft fees, just pay it ASAP.

They have fees for everything if you bank with them make sure you keep track of your account. They make there money by charging extra fees. If you overdraft by 1 dollar you could end up paying 300 for it if you don't check your account. They like you to overdraft I think they may make more money on that then their credit cards. National Shitty is what we always called them and I think everyone else does too I changed banks recently and am very happy

National City is horrible. I made a purchase from Home Depot, returned it an hour later, and had to purchase another item like it. I was told at the Home Depot desk that they give credits and take debts all at the same time each night, because I told them I could not have both out of my account at the same time as it was an emergency purchase of a waater heater that had burst. National City has put a hold on my account for over $900 because they said that Home Depot hasn't sent the money back yet, and it could take up to 6 business days for them to do so. So, I called Home Depot about the error. I was promptly told that they don't have the capacity to do anything like that, and that they process all of their accounts on the night of transaction whether they are debts or credits. They asked me specifically if I banked with National City or 5th 3rd bank. I told them National City and they told me this is about the 20th episode like this they have seen in the last 6 months. National City sucks.

I have to agree National City needs major improvement in customer service. I worked at a local branch in the late 90's and still bank there but only until I can open a new account elsewhere. Never had any problems with overdraft until last week. I made an ATM dep on 09/12, paid my house payment in the night dep box at another bank on 09/13, check went through 09/15 and cash deposit was still not clear, this resulted in two charges of $36 each, called to question and was told dep was made on 09/15 same day as checks came through, told them no it was 09/12 and was then told each branch can hold a deposit one business day or more...No refunds of overdraft charges. Funny when I worked there the ATM was done at 2pm every business day and all deposits were posted to the acc at 2 pm when ATM work was complete. Another thing that upset me was two years ago my daughter saved her change and had about $90 in change, brought to local branch to deposit in her savings acc and was told there change machine was broken and they were supposed to be getting another one the next month to bring it back then or take it home and roll it. I told them I just wanted to deposit in her savings acc, still told to bring back when change machine was fixed. I took it to the bank across the street where I have my home mortgage and opened her an acc there.I guess things like that and rude customer service is the reason my two cars, my home and credit card are all with other banks. Sad that they will choose to lose a customer of over ten years for $72.00 in overdraft fees.

this bank blows ive been there for amost 3 years now and the past 6 months they have been holding direct deposits, posting bills 3 and 4 days early, holding my wifes payroll check, 6 months ago i posted checks on a friday and they where in by monday and now my wife puts in a check last week and it takes tell monday to post they have robbed me for 600$ don't bank with them, fyi they will hold up 10 transactions and if you have 32$ in your account afterwords they will bounce all of them by charging you for them 10 times before they take out the money for the transactions

Wow, I wish I wouldve read all these complaints before opening my account at National Shitty. I've been drowning in overdraft charges for "pendit debits" that are supposed to be instant. I made a debit paypal charge on september 3 which took .64 cents out of my bank account and IT DIDNT CLEAR UNTIL SEPTEMBER 10TH. WTF?! BAM $34.00 nsf fee for .64. Wonderful!! I would make deposits at their own branches ATMS and they would take 48hrs or more to even post on my account?!!! This is instant at otherbanks... what are they holding the money for? I would get charged a nsf but the charge that caused it would not show on my online statement. I'm very responsible when it comes to money and I'm very dissapointed in their practices. Debits would clear, and then dissapear. SOMETHING IS Very shady here.... Every day you're late on that overdraft charge they slap you with a $8 fee EACH and EVERYDAY. THEY DIDNT MENTION THAT WHEN I OPENED MY ACCOUNT A MONTH AGO NOW DID THEY?!! nope. They gave me a little plastic piggy bank as a gift and I was on my merry way thinking everything was good. I'm closing it as soon as the nsf fees are paid off. buh bye national city. never again. The only thing you have to say about yourselves are free atm fees, and youre not even worth that. Don't open an account here!!! run AWAY fasttttttttttttttttttttttt... trust me. I learned the hard way and now im paying for it, while the big guys are as happy as can be.

This bank ROBS ITS OWN CUSTOMERS. I have been with this bank for over 25yrs. I never had any problems, until about the last 2 yrs. They change policies and procedures like people change their underware! They have gone OVERDRAFT CRAZY!!! You see this bank is in debt so deep, they must steal our money to pay their bills. Also, the stock has gone so loooowww they should be bought out soon. I want to pay my bills not theirs. Forget calling the Customer Serivce Line, these people are dumb, dumb, dumb..... They hold your deposit for days at a time, while payments are going through then they pay the charges, hit you with OD chares, then release your deposit. DUH!!! They actually held up a CASH DEPOSIT!! I asked, are you waiting to see if it is real money? What a bunch of RETARDS. I got a money order there, gave it to someone who took it to the same bank,,they said "This is no good" DUH!! Anyway people do not USE THIS BANK, TAKE YOUR BUSINESS ELSEWHERE. I have opened one at CITIZENS, and so far, they seem to be a much BETTER BANK.

I have had my account for four months and it is the worst bank I've ever done business with. I was also told by TWO different representatives that I shouldn't go by what is on the online banking account because they are always wrong. Well, if you know this National City, CHANGE IT. There is a lot of shady mess going on and they can close my accounts they will not make any more money off of me. So far, in four months they have made about $800.

National City closed my HELOC after 2 late (not missed) payments. They have a very rude and ignorant customer service department. The payments were both just 1 day late! Time to change banks. I hope they go belly-up!

We have had horrible experience after horrible experience from National City. We have noticed a dramatic decline since their merger. There is no stablity in personnell, the attitude within different branches is consistant....who cares!

We have 2 checking accounts, several savings accounts a money market, IRA and business account which we are moving to another bank.

STRONGLY suggest that consumers pass on this bank.

National City acquired Mid-America Bank, where I had a CD. I was able to renew the CD at an extremely favorable interest rate, so I opened another smaller CD a few months later, at a high-interest "manager's special". The account rep made sure I received the advertised rate, when, initially, it did not come up on the computer. I did not renew a larger CD with Harris Bank, so that I could open a third CD with National City Bank. The same account rep whom I had on the two previous transactions, discovered that my beneficiary information did not transfer over from Mid-America Bank and asked me to e-mail her with their information.

Yesterday, I e-mailed her about the penalty assessed on withdrawing some money from one of my CDs to keep my total business within FDIC limits. She did so.

My account rep came from Mid-America Bank originally, so perhaps, her competence and consideration is just part of her previous training, but I have had no reason to complain about National City Bank.

National City Bank is the single worst bank in the history of banking. There is no company that so callously treats their customers as Nat City.
Recently, I had this experience. A relative wanted to go to the funeral for her grandmother but had no money. I felt bad for her and did for her what I would want someone to do for me. I paid for her plane ticket. I had, at the time, an available balance on my card of $270 but the finance fees were due to be added in two days. On Sunday I purchased the ticket. On Monday, I visited a Nat City branch and paid again on my credit card ( I had already paid it for the month but I didn't want to go over when they added their monthly finance charge on Tuesday). Making my best guess using last months finance charge, and paying that amount, I still went over by $4.08, yes, four dollars and 8 cents. I was promptly charged their $39 over the limit charge. Ok, so still, whatever, they're a bank, they're going to make their money anyway they can and take advantage of any small error you make. Most banks do that. Here's the part where Nat City showed what a bottom of the barrel pack of creeps they really are:
The following Sunday, today, I get an email from my credit monitoring service "there has been potentially negative information posted to your credit bureau". I log on to their site and guess what, National City posted, to my credit report, this $4 overage as negative reporting. My card has an $11,500 limit. So, for exceeding my credit limit by .0003 percent ( 3/10,000th of one percent) National City gave me the only negative credit reporting I have had on my account for $25 years. No other bank has ever done this to me.
This is the single worst organization I have ever encountered (possibly, only besides Paypal corp)

This is possibly the worst bank I've encountered. I deposited a $500 check and waited 2 days before I used any of the money. To my mistake, I thought (like most banks seem to accomplish) a check will clear in 1-2 business days. No! Not with National Shitty. Instead of crediting my account for $500, they debited my account and then had the nerve to charge me $32 overdraft fees THREE TIMES. I immediately went to my branch here in Michigan and this evil wench actually sat behind her desk and argued with me that I was not responsible enough to have an account if I don't know how to handle large sums of money.

She also told me that kids have no reason having checking accounts. To her surprise, she found out I wasn't a kid. I may look young, but age discrimination is a big NO NO in my book. Being a recent college grad. with a degree in Accounting, she messed with the wrong person. Needless to say, I dealt with another nice lady who credited all the money to my account and then I quickly withdrew all of it and ran.

National Shitty is a scam of a bank. Their online banking is the worst I have ever come across, they post items and then magically they are gone the next day until they post them again just to make some money. By far worst bank and customer service. They should be ashamed of themselves, but they are loving the illegal money they are rolling in. Until it catches up to them someday...Karma is a Bitch.

I've recently moved to the state of Indiana and have been looking for a local bank to do business with. National City Bank has a branch closest to my home so I made the decision to use them. Fortunately, I came across this site before I went through with it. I've dealt with scumbag banks before so it is not difficult for me to believe what the majority of their customers and former customers have had to say about their experiences with National City Bank.

Customer service personnel of all large companies, treat us consumers the way they are TRAINED to treat us. They get paid to do a job so I don't hold them accountable too much. They have to eat too. The Presidents and CEOs of companies like National City Bank are the predators. They are driven by unadulerated greed. They are the ones who scheme to create the unscrupulous policies, practices and tactics which are designed to financially rape and pillage in the communities in which they operate. All this, while THIS administration turns a blind eye. They are just as bad, or perhaps worse than the criminals at Enron ("the biggest contributor to the Presidential campaign of George W. Bush") and should all suffer the same fate.

Needless to say, I am so happy to have come across this site. I will gladly travel the extra few miles it may require, to find a local bank that doesn't intentionally manipulate transaction sequences or delay clearing deposits, so as to force their customers' accounts into overdraft status so they can milk them of all kinds of penalties and fees. What is this country coming to?

I hope National city does get bought out...soon. Lately they suck. I grabbed my boyfriends debit/visa by mistake (looks just like mine). Went to Walgreens swiped my (his) card to get points and when I went to sign the slip realized that it was not mine. Told them I couldn't sign it it wasn't my card. They voided transaction and I paid with my Xmas acct debit/visa instead. He did not have enough in his acct to cover the charge and it did not drop of till 3 days later. National City would not refund the $36.00 OD charge. This was his first OD and they wouldn't even give him a one time credit. Even though it was my mistake. We have had our Mortgage there 5 years never late always pay extra. I have two other accts and never OD them. Pretty crappy on there part! DON'T BANK AT NATIONAL CITY BANK. THEY SUCK!!!!!!!!!!!