I mentioned I was there two weeks ago fixing the on-line service that wasn't working and it should have been done then. Asked why I couldn't transfer funds to the account and was told there was a form that needed filling out. Regarding the return they considered the account to be new and that my being a customer for 3 years doesn't have anything to do when overdraft protection kicks in. I went in today at lunch and spoke an officer why the check was returned and why I wasn't able to transfer funds. Checked the account today and they returned the check and charged a NSF fee. I figured the check would clear because of the overdraft protection. The office is supposed to open at 8:30 am and I left a message for someone to call me back. I called on-line banking department at 8:45 and the system was still on night mode. The next morning I tried again and saw a check in the pending transaction was going to clear and cause an overdraft. I could see the account balance but the on-line system would not let me transfer funds to it. Well last Wednesday I went on line to transfer funds to the new account.
#Ibc bank hours today full#
The account wasn't added to my on-line access and I went in a week later and said I needed full on-line access with my other checking accounts since I often transfer between the accounts. Recently I opened a new personal account as a dba. When I mentioned that good customer service would have been for the teller to notifier her the balance would not be sufficient, the officer responded it is the customer's responsibility to keep track of their balance. I was told their official line in that she should keep better track of her balance. I finally noticed what was happening after they did this three times and went in to discuss this with a bank officer.
Instead of telling her she was going to overdraft the account they cashed the check and charged a $29 NSF fee. My wife several times has cashed a check through the drive through window and the amount she wrote the check for sent the account into an over-daft situation. Here are just a few of my experience with them. IBC seems more concern with generating fees than customer service. IBC took over my bank and from that day on customer service has gone done hill. This was a simple transaction that turned into a major hassle for me. I don't know if a new bank will be any better, but it won't be any worse. Additionally, because they were unwilling to even stop and consider the transaction, I see no reason to allow them to make money off of the rather significant estate proceeds I will be receiving. My reasoning is that if ibc is unwilling to provide a simple customer service, then I see no reason to allow them to make money off of those treasury bonds. When I receive this money, I will be withdrawing it within 24 hours and depositing it with another banking institution. That was 3 days ago and I have yet to receive a phone call from anyone in the customer service department. The receptionist kindly took my information and was very sympathetic. I called the main customer service phone number for my area, okc, and was told there was no one available to take my call. Obviously this will cause a delay in my receiving the money into my account as well as my cost to mail an oversize envelope, and the general annoyance factor. This has resulted in my having to mail the bonds to the department of treasury for redemption. I was unable to find a bank in the metro area that would process treasury bonds as a courtesy for non-customers. (if they had bothered to read their own published policy regarding processing treasury bonds, they would have known this is a common issue and the solution is for me to write my ssn on the back of the paper bond at the time of redemption.) They refused to process them due to my ssn not being printed on the front of the bond. I presented these bonds to the cashier at my local branch, along with appropriate identification.
These were bonds my father purchased through his payroll.
My mother recently passed away, resulting in my receiving 28 us treasury bonds, issued in my father's name (deceased) or mine.
I have been a customer with ibc for over two years.
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