1 Jan, 2018 → by ClaimboUser150906
Overdraft policy
*SOLVED

3

This bank ripped me off multiple times due to overdraft issues. First overdraft is the default option when you first open your account - and their overdraft fee is $37! So I called them to have my overdraft authorization revoked. Soon I stopped using my card, and it's been that way a few years. Surprise - a couple of years later I was charged with $140 for overdraft - which I revoked! When I called, they told me it's at the bank's discretion... Even though the bank didn't give me a single cent - the transaction was canceled - they charged me with $140!!! Also, there is an additional $35 fee if transaction is attempted more than once in a week. Most online stores keep trying to withdraw if the first attempt is unsuccessful, so with every attempt the charge accumulates. And I never once received a notice that this was going on! I am VERY UPSET with the way that they handle their overdraft policy. They are very rude on the phone too! If you can, never bank with First Niagara.
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