Keep your money under your mattress.
Aug 30, 2001
Review by robinsky8
Rated a Very Helpful Review
User Rating: Disappointing
Web Site Experience:
Pros:At least you can cancel your account with only a few fees.
Cons:Tons of fees, horrible customer service, low interest.
The Bottom Line: Fifth Third is a horrible option in banking. Totally free checking isn't free at all, and the customer service is pathetic. Wouldn't recommend it to my worst enemy.
We opened an account at Fifth Third when we moved to Cincinnati. I'm not a complete banking moron, in fact, I worked in a bank for three years. I'm good about balancing my checkbook, reading the fee schedule, making sure everything is in place. But somehow, Fifth Third managed to swindle over $100 in 2 months before I could close the account.
Recommend this product?
During the move, my husband and I weren't in the same place at the same time very often, so admittedly it was a bit tricky to keep banking straight. We missed a check in the register, and the balance went negative because of an ATM withdrawal by about $50. Our bad.
The next day, we deposited my husband's paycheck to cover it. But by evening, we still had a notice in the mail saying we owed $87 + various other fees. That's more than we were off. And it was only negative for about 7 hours!
That, to me, is unacceptable. Maybe you have been accustomed to paying fees... but there are other options! The bank I worked at gave 24 hours before charging large overdraft fees. If you had money in by morning, they called it good. You, too, can find a bank that cares.
It's not just this one error that soured me, although I have to admit when the "customer service" (riiiight...) rep. hung up on me, I was less than impressed.
My statements still come in my maiden name. Months ago, I went in with my marriage license, and they claim it's changed. Yet I keep getting things with the wrong name.
When we set up the account, we asked for overdraft. Obviously, there was no overdraft. Now we're told we'll need to pay a fee to set it up.
Totally free checking is a total lie. Buying money orders at the post office is a more cost efficient way to pay your bills. And considering what they pay in interest, you'd be much better keeping your money under your mattress.
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