Although most of the staff is friendly, it seems that when something goes wrong, all they can do is apologize and barely do anything to fix it. Even if the error takes days to fix, such as the time the ATM ate my money... I had to dispute it and it took days. It's okay, I only had shop rent due.
I have had the weirdest, freak problems with my account, and it always seems like no one quite knows how to fix the issue RIGHT NOW. One example- I had a class reunion bbq I was planning. Everyone prepaid. I took all their money and put it into a visa giftcard/bank card so I could keep it all together. The card said 'debit' on it, which was a relief when I was planning a trip to Sam's club to get the supplies, as they only accept debit. I called the hotline to request a PIN and had to make several calls since the website the girl was referring to in order to get the pin wasn't working... Finally I called this branch and was informed that although the card they sold me (yeah, it was $5!) SAID debit on it, it wasn't a debit card and I would have to pay a substantial amount to take the money off the card and turn it back into cash. It would also take 2 weeks. This was 2 days before the reunion. It was a total mess. My husband ended up giving me the cash and taking the card so he could just use it at the gas pumps. Some of the craziest stuff, I tell ya!
Then there are the funny fees. My personal banking would cost $7 a month if I hadn't agreed to NOT write checks or use the tellers. Which is fine, usually, but not so fine when they ATM that I have to use eats my money or is in some other way malfunctioning. Then there's my business bank account that I am only allowed to do a certain amount of transactions on... (8 per month, I think...) Each deposit is a transaction, each check deposit is a transaction, a transfer, a check written... each credit card payment someone makes at my shop... sigh... and if you do too many transactions, they charge you a few per transaction. (Was it $.50 or a dollar, I cant remember) How many businesses do you know that make less than 8 monetary transactions a month? Now, I have a whole other account just to funnel my money through and make deposits all at once. It's like I'm constantly playing Tetris with my money. Good thing I am anal.
I know the issues I am describing aren't really branch issues, per say, but broken ATM's and staff that can't seem to fix stuff might be.
Honestly, if this location was not so darn convenient, and my husband and I didn't have multiple accounts with them, I probably would switch banks, but then again, I have been with Commerce for a few years, God knows what kind of mess another bank would be. :( read more