National City

The staff is great here don’t get me wrong they are not the problem. The problem is that National City has one of the most asinine overdraft policy’s I’ve ever encountered. Granted it is mainly your fault if you overdraft but most banks are happy to accommodate you by knocking a fee or two off at least once so that you aren’t totally screwed. Not here. I bought textbooks for class and forgot that earlier that week I got an oil change for my car so I ended up over-​drafting about $ 40. They never sent out a notice email or letter so I didn’t know about this until I tried to deposit my paycheck next… two weeks later. Normally that wouldn’t be a big deal… you pay the $ 30 overdraft fee or whatever it is and start building up your balance again.
National City charges you $ 8 a day for every day that your balance is below 0 on top of $ 40 over-​draft fees. To make matters worse they wouldn’t let me close my account to prevent further daily charges as I couldn’t afford to bring my balance above 0. Luckily my account eventually closed due to inactivity but now I owe them about a thousand dollars because I over-​drafted two relatively tiny fees comparitavely.
I feel it is my duty to steer people away from this company.