Ive about had it, but what really to do about it? Since i was 16~ i had one smaller bank locally that was pretty good. Had my ups and downs and learning experiences with bouncing checks when young and all.. but learned by the time im 20 how to handle things well. A little over a year ago now, that bank was bought out/merged with Sterling in central NJ. Suddenly all of my deposited checks, the funds were not available until extremely long wait times. My old bank used to be a couple days, maybe 3 at most even for out of state checks, in NJ, everything is out of state because the state is so small, you frequently get NY, PA, DE, MD checks, even if all business is in NJ. I switched all of my accounts to PNC.. some people recommended it... low and behold i was slammed for almost 1k over about 8 months worth of open accounts on "NSF" fees for debit card charges. If funds were not deposited into the account and "available" the debit card ALWAYS would still work, upto negative $1k ! Meanwhile, myself and my crew leader i send out on other jobs is buying supplies, sometimes little stuff, $10 here, $15 there etc. All racking up $34-$39 NSF charges PER transaction. The bank reps were aholes to us constantly. They refunded on many occasions some fees, but i always ended up paying lots anyway. In the end, last fall, i must have looked like an m80 ready to explode when i went in there. She refunded a few of the charges, not all of them, in total it was 4 i think for over $100. The next day, three more charges come out because they were already pending. I tell them to close the accounts. I moved every penny online from the business and my personal to our family joint account. So both accounts of mine there were at zero. Auto billpay starts sending crap out two weeks later, truck payment of $700, some others, all that bounce because there is no money. Not only did they bounce, but i come to find out, all payments WERE paid in the end after my erroneous charges to my account by PNC. Finally accounts are "closed" or written off or something, i really couldnt care less at this point. I get a call from PNC bill pay office stating i owe them $700 for the truck payment, confirm with the truck loan company they did receive it and so i bilpay from my new bank account online a check to PNCs bill pay dept of $700 for the reimbursement amount... They call me up, they only accept money order or some other nonsense. I mail you a bank check for $700 and you "dont want it". F@#$ you people. In this business, we dont have 20 minutes to drive to a bank or get special money order payments, thats why i do almost everything online. If they want their $700, they will cash the $700 Beneficial bank check. On another note, We have switched to Beneficial, formerly farmers and mechanics bank. They seemed descent at first, but now the main issue is again, just like Sterling, long hold times for check cashing. I mean 5 business days is sometimes 7 days after the date of deposit on friday/saturday because most commercial accounts are federal banks not state banks. Now we dont cash a ton of what i consider "high value" checks, usually theyre smaller, deposits, 25% and final amounts etc. I took a check to "deposit" the other day from a very large company, out of state but through CitiBank.... The amount was over 13k.... The teller hands me a "Notice of Hold" to sign off on for the check, WTF? They state all checks over 5k require this extended hold. Now ive cashed 7k~ in the last two months here and didnt have to sign this pita sheet. I deposit check on Saturday 6/28/2008 Day 1 sunday 6/29/2008 Day 2 Monday 6/30/2008 Day 3 "next" day i will have $100 available Tuesday 7/1/2008 Day 4 Regular hold 2 days $4,900 avail Wednesday 7/2/2008 Day 5 This part REALLY pisses me off to no extent. EXTENDED hold 7 business days Thursday 7/3/2008 Day 6 nada Friday 7/4/2008 Day 7 nada july 4th holiday Saturday 7/5/2008 Day 8 nada Sunday 7/6/2008 Day 9 nada Monday 7/7/2008 Day 10 nada Tuesday 7/8/2008 Day 11 nada Wednesday 7/9/2008 Day 12 nada Thursday 7/10/2008 Day 13 $8,000+ becomes available FINALLY. You mean to tell me damn near two freking weeks to get your funds available ? Now i could care less if this shiathole bank burns the f%$ down, We've been waiting on 3 very large final payments from commercial accounts. This one was from work done in Early april-May 2008. "I" have had expenses on credit cards racking up interest because these commercial clients cannot pay their bill on time for contract work, mortgauge is due in 3 days, equipment payments, supplies to start new jobs etc. The bank does NOTHING and THEY hold MY money for 13 days? Im switching banks, AGAIN. Im gonna give the woman who i opened this business account with a piece of my mind. on monday.