Clinton Savings Bank

Just terrible. Clinton savings bank is so far behind the times. I had a local bank where I used to live and I loved it, when I moved to this area I thought I wanted to use another local bank. BAD MOVE! I should have stuck with Bank of America, honestly, I never thought a bank could be worse than Bank of America but this bank takes the cake. Most banks these days give you immediate availability of some if not all funds from check deposits within 24 hours but not CSB. Clinton savings bank can take up to 48 hours for the check to clear before the funds are available. Their ancient online banking system adds the funds to your current balance regardless of whether they are available or not. I deposited a few checks one day, and went to run errands only to notice 4 $ 30 overdraft fees to my account, which had moeny in it, seeing as the current balance was well above $ 0 and definitely not negative even after the $ 120 in over draft fees was taken. I called the bank to find out why this was, and they said that checks get added to the balance but the funds can not actually be used for up to 48 hours until the check clears. Um, WHAT!!! How is a person to track their true balance using their online system, this fun fact basically made the online account useless since the numbers aren’t actually correct. Why add it to my balance then? and what bank doesn’t give you availability to check deposits same day any more? Like I said, behind the times. They refunded 2 of the $ 30 over draft fees, but it still cost me $ 60 to learn than even when I have money in my account you don’t truly have moeny in your account. I’d rather go back to a bank with higher monthly fees that WILL allow me to use some of the funds from check deposits same day. So to summarize that rant… Inconvenient banking hours, outdated ATM services, outdated check deposit process and utterly useless online banking, overall just terrible