1 /5 W A: We never had problems with MidSouth, but now with HW, it has been a problem from the first day it officially switched over! We didnt have access to our account for an amount of time when it was switching over, then when we were able to get back online, we had an overdraft charge that was already posted. It didnt show that we were negative/overdrawn on any transaction before the overdraft charge. In fact, we still had a positive balance after the overdraft fee was taken out. This doesnt make sense to me!! I called about it and was told that I had to go into a bank to have this looked at. Also, not sure why I needed to go in for this, but I did. At first I was told it was for the transaction showing up right before the fee. I told her when I clicked on any of the previous transactions (this is another thing with HWs online banking that I do not like--online it only shows the credit or debit transaction amounts without also showing the ending balance beside each transaction--MidSouth showed both plain and simple on one page), it shows that we had a positive balance after each posted. She had another lady that came to help her find out why we had an overdraft fee and charged $36 for it. Thats when I was told that the fee was for a transaction for when we ate out that past Sat. and the transaction for it was still "pending" (although the first lady and I couldnt tell which transaction it was suppose to be for). I still wasnt really happy about the $36 fee and that it still didnt make complete sense to me, but what can I do?! Well, they said that I could opt out of this "service" and HW would not pay for a purchase on our behalf if we didnt have enough money to cover it, which means we would not get any more overdraft charges because we cant overdraw our account any longer. She said it would decline the payment and I would have to have a different form of payment if we didnt have enough in our bank to cover the purchase. I told her that was good with me because we have other forms of payment if needed to keep from wasting our money and paying them $36 per overdraft fee. I opted out that day!! That was last month, and now this month, we just got 6 overdraft charges (total amount of $216) on our account, even though we opted out!!! This is ridiculous and the exact reason I opted out after the first overdraft charge!! We are definitely changing banks ASAP if not refunded for these fees that we should have never been allowed to get, if we in fact didnt have the money to cover the purchases at the time. Our card should have declined instead, as I was told would happen to prevent this from happening!!
