Never Bank with HARRIS bank!

**Donnagg123** · 06-09-2007, 08:33 AM

They are greedy selfish (insert explictive)s!

We have had an account with the bank that was initially there for over 13 years. Then Harris Bank took over.

1) They will not get you the money the way you want it, for example, lets say that you want 50$ in ones. If they have 48 ones in the drawer and they just went to the vault you have to wait 2 hours because they can only go to the vault every 2 hours.

2) They hold my payroll check for 1 day for NO REASON! (They said they hold EVERYONES payroll check for 1 day and that the government is changing all banks to be that way...LIARS!) They held my last payroll check due to the holidays for 5+ days!! We were screwed! Then they told us to write checks on monies that was not there! Yea so we can bounce a check and owe you that much more! They hold my PAYROLL check and call it a "soft hold"...yeah right! Soft hold is code for we want to hold your money for a day so we can draw interest off of it!

3) They said they do not do a soft hold if monies are directly deposited, well guess what? I have told them before, my work REFUSES to do DD. We live check to check so you are punishing persons who do this? Or better yet if we had the monies in the account to cover the check they will cash it....If I had the monies in there why the freak would I need to have my check cashed that day????

4) When they took over there were elderly persons who had small loans (500-1000$) that they were paying off 50-100$ a month as they are on disability/social security. They took all monies in their account to pay off the loans in full! Is that greedy or what?

The other bank was never like this! They treat me like I am any joe shmoe off the street! They can take their account and stick it where the sun don't shine cause I am going to a credit union...HA HA to them!

NEVER DO BUSINESS WITH THEM!!!

**Advertisement** · 06-09-2007 08:33 AM

**sunniekiss** · 06-09-2007, 09:34 AM

My bank also does this. I get my paycheck Friday afternoon & deposit it that day. It normally does not get credited to my account until Tuesday morning. The bank protects itself if your payroll check does bounce. You can try to ask your teller to put the check into your account as cash rather than as a check.

The thing with the loans, say if your monthly payments are $200/month but you only pay $50/month, you are deliquent & they have every right to go after payment in full.

To play devil's advocate here, suppose you were supposed to be get paid $400/week but your boss only gave you a check for $200 for the week, how happy would you be?

Banks are a "for profit" business so they do have the right to "hiold" funds or go after deliquent accounts. Those deliquent accounts do have to be notified prior to doing this. The deliquent accounts are most likely given options to choose but if you ingnore those requests the bank will go after any monies they can collect.

I work as a bookeeper so I know how this works.

**SLance68** · 06-09-2007, 09:41 AM

Why don't you go to the bank your employer uses and open a account there - that way there should be no hold on the funds - or cash your check at the employers bank and deposit cash in your own bank? If you deposit your check after 2:00 at most banks (Suntrust not included) they will not be available until after midnight the next banking day - that is just the way banks work. Suntrust is one of the few that will credit the deposit the day it is received - however, all banks have signs up stating that they can hold a local check up to 5 days and a out of state check for 10 days.

**Donnagg123** · 06-09-2007, 01:18 PM

Originally Posted by sunniekiss

My bank also does this. I get my paycheck Friday afternoon & deposit it that day. It normally does not get credited to my account until Tuesday morning. The bank protects itself if your payroll check does bounce. You can try to ask your teller to put the check into your account as cash rather than as a check.

The thing with the loans, say if your monthly payments are $200/month but you only pay $50/month, you are deliquent & they have every right to go after payment in full.

To play devil's advocate here, suppose you were supposed to be get paid $400/week but your boss only gave you a check for $200 for the week, how happy would you be?

Banks are a "for profit" business so they do have the right to "hiold" funds or go after deliquent accounts. Those deliquent accounts do have to be notified prior to doing this. The deliquent accounts are most likely given options to choose but if you ingnore those requests the bank will go after any monies they can collect.

I work as a bookeeper so I know how this works.

yeah BUT.... #1 the total loan these people had was only 500$ - 1000$, the payment shouldn't be 200 a month AND the bank changed within a month which does not give these old people time to adjust. None of the persons were deinquent. Imagine you live on 800$ a month and now they take 300 - 400 dollars out of your account. What are they supposed to eat on or pay their utilities with if they are barely scrapping as it is? You don't have to be a bookeeper to figure that one out.

#2 I have cashed my check with the bank for a year and they did not have a problem with it. The company has NEVER bounced a payroll check, so why not punish the companies that do? ALL other banks in town do not do this.

#3 What pisses me off the most is the fact that I do not even want a bank account. I would rather just cash my check and move on, but OH NO, we are forced to have an account to begin with before they will cash it and now you are going to hold my money. I understand for profit, but it is MY MONEY not theirs. They already charge fee after fee after fee.

#4 They are not protecting theirselves because if that check bounces they will bill my account for that amount and I will be bouncing a check.

#5 I understand being for profit, but what if you went to a place that does not do instand checking and they say Well we are putting a "soft hold" on your groceries because we do not know for sure you have funds in there and this may bounce! That is assuming you are trying to steal items/money from them so why don't they just call me a thief.

To answer the second reply, they do not bank local. They are a corporation that banks out of Indianapolis, so I cannot switch to them. Also, if they are not holding it for just that little of time. That one day ends up being 2 and the holiday ended up being 5! I cannot wait 5 days for my money. It is not a "local check" It is a payroll check, not a personal check. there is a huge difference. And I called around here to all other banks and they DO NOT hold payroll checks, so that rule does not apply to most banks. I deposit my check BEFORE 2 sometimes at 8-9 AM and they still end up holding it almost 2 days.

It is sad too that you can go to Walmart, Krogers, etc. and cash your check no problem. There is no such thing as a soft hold there! You have to pay a service charge of like 2-5$ but I would rather do that. If they have a problem with a company bouncing a check then they will not cash from that particular company.

Irrelevent, I am done with them.

**SLance68** · 06-09-2007, 01:32 PM

Originally Posted by Donnagg123

yeah BUT.... #1 the total loan these people had was only 500$ - 1000$, the payment shouldn't be 200 a month AND the bank changed within a month which does not give these old people time to adjust. None of the persons were deinquent. Imagine you live on 800$ a month and now they take 300 - 400 dollars out of your account. What are they supposed to eat on or pay their utilities with if they are barely scrapping as it is? You don't have to be a bookeeper to figure that one out.

#2 I have cashed my check with the bank for a year and they did not have a problem with it. The company has NEVER bounced a payroll check, so why not punish the companies that do? ALL other banks in town do not do this.

#3 What pisses me off the most is the fact that I do not even want a bank account. I would rather just cash my check and move on, but OH NO, we are forced to have an account to begin with before they will cash it and now you are going to hold my money. I understand for profit, but it is MY MONEY not theirs. They already charge fee after fee after fee.

#4 They are not protecting their selves because if that check bounces they will bill my account for that amount and I will be bouncing a check.

To answer the second reply, they do not bank local. They are a corporation that banks out of Indianapolis, so I cannot switch to them. Also, if they are not holding it for just that little of time. That one day ends up being 2 and the holiday ended up being 5! I cannot wait 5 days for my money. It is not a "local check" It is a payroll check, not a personal check. there is a huge difference. And I called around here to all other banks and they DO NOT hold payroll checks, so that rule does not apply to most banks.

Irrelevent, I am done with them.

Most banks don't have any way of knowing if it is a payroll check or not. Our checks do not say "payroll" on them - they are the same as our A/P checks. If you have a check that is from out of state then yes they do have the right to put a hold the check up to 10 banking days (federal laws). It should be quicker to clear due to the Check 21 that went into place a year or so ago - however, that depends on the banks, both yours & theirs. I am surprised that your company does not offer direct deposit - ours does and we have less than 40 employees. We also offer a debit type card that you can have your check "deposited" onto like direct deposit but you don't have to have a bank account (not sure if it works well or not don't know anyone that has used this option).

**Heidi** · 06-09-2007, 01:33 PM

Even though it is a Payroll check, is their a branch in your area. IE: Our company banks out of central Oregon and I live in WA, but it is from a Wells Fargo bank, so If I wanted to I could go into any branch of Wells Fargo and cash it for free. I have direct deposit so I don't have those issues, but for your sake, why don't you just switch banks. Find a good credit union! That's what we have and every month we gain interest for having money in there.

**sunniekiss** · 06-09-2007, 01:41 PM

Ok first off by that sum I was just showing an "for instance".
And for the record, I clear $ 925/month plus I pay 1/2 of my health insurance. My monthly bills just about equal my take home pay. I am paying off a mortgage & taxes & utilities.

Point is...do not sign for a loan if you can not make the monthly payments. Do I sympathize with these elderly people, yes of course I do & I can relate. Thing is, when they signed for the loan they knew up front what the monthly payments were. You can not decide after-the-fact what you can afford to pay. If the monthly payment is $10 but all you pay is $5 you are deliquent.

Also, payroll checks do indeed go BOUNCY BOUNCY! No one is forcing anyone to use a bank to cash your check. there are tons of payroll cashing businesses around but in order to do that you have to pay a fee upfront.

Finincial transactions are a very trick business these days. Trust me I have seen & heard it all.

**Donnagg123** · 06-09-2007, 01:43 PM

Originally Posted by Heidi

Even though it is a Payroll check, is their a branch in your area. IE: Our company banks out of central Oregon and I live in WA, but it is from a Wells Fargo bank, so If I wanted to I could go into any branch of Wells Fargo and cash it for free. I have direct deposit so I don't have those issues, but for your sake, why don't you just switch banks. Find a good credit union! That's what we have and every month we gain interest for having money in there.

There are no branches local (I wish). The check is NOT an out of state check it comes from Indianapolis, I live in indiana. I just opened an account with a local healthcare credit union so as soon as I get it things straightened out I am going to tell them where they can stick their account.

**Donnagg123** · 06-09-2007, 01:47 PM

Originally Posted by sunniekiss

Ok first off by that sum I was just showing an "for instance".
And for the record, I clear $ 925/month plus I pay 1/2 of my health insurance. My monthly bills just about equal my take home pay. I am paying off a mortgage & taxes & utilities.

Point is...do not sign for a loan if you can not make the monthly payments. Do I sympathize with these elderly people, yes of course I do & I can relate. Thing is, when they signed for the loan they knew up front what the monthly payments were. You can not decide after-the-fact what you can afford to pay. If the monthly payment is $10 but all you pay is $5 you are deliquent.

Also, payroll checks do indeed go BOUNCY BOUNCY! No one is forcing anyone to use a bank to cash your check. there are tons of payroll cashing businesses around but in order to do that you have to pay a fee upfront.

Finincial transactions are a very trick business these days. Trust me I have seen & heard it all.

I am sorry but that is crap. I have lived in several different states and you DO have to have an account to cash a check at a bank. Either that or your check has to be under a certain amount and mine is not. To reiterate, the elderly people were NOT delinquent. They were making their payments IN FULL AS SCHEDULED. However, when the bank SWITCHED from being First National to Harris Bank was when they asked for everything in full. They switched within a few days to a week and then took the money from their account for payment in full because now they are a new company.

I understand payroll checks bounce, but again they would still bill me the money from my account and make me pay it back, making my account go in the negative and making me bouce checks. They certainly would not eat the loss, so let me decide.

**SLance68** · 06-09-2007, 04:36 PM

Originally Posted by Donnagg123

I am sorry but that is crap. I have lived in several different states and you DO have to have an account to cash a check at a bank. Either that or your check has to be under a certain amount and mine is not.

I guess you have never banked in Florida, Georgia or Alabama you do not have to have a account to cash a check at a bank. Bank of America will charge you a fee to cash a check drawn on their bank if you do not have an account. Suntrust requires you to go to the lobby area not the drive through to cash a check if you are not an account holder (no fee at Suntrust). I hope you have better luck with the credit union - I use one and they are great but please be aware that they can also hold funds.

**hblueeyes** · 06-10-2007, 05:57 AM

I left Harris years ago because they have charge for everything and are cold. I now bank at Archer Bank. They have charges for some things but money orders, going to a teller,using the ATM, checking a balance or if a checked had cleared etc. are free. They are very friendly and make me feel that I am a valued customer. I had once made a check deposit from a personal account and it was immediately available for me to write checks on. The check was for $10K. I had once bounced a check due to a math error on my part and they waived the fee because I asked them too. I had the account at that time for about 2-3 years with no problems. They are always friendly, smile and though they may not know my name they recognize me and I always get a hello and pleasant greeting. Most of the employees are polish and speak polish but who cares when they treat me like I matter.Plus they have popcorn on fridays and fun events throughout the year. Great bank maybe they are in your area of Indiana. If so, they are worth looking into.

Me

Thread: Never Bank with HARRIS bank!

Thread Tools

Display