Nixon is widely recognized as one of the nation's leading banking authorities and executives. Fraud Prevention International Fraud PreventionĪs the principal architect behind the unprecedented growth of International Bancshares Corporation and International Bank of Commerce, Dennis E.Other Banking Services International Other Banking Services.

Currency Exchange International Currency Exchange.Fraud Prevention Business Fraud Prevention.Other Banking Services Business Other Banking Services.Currency Exchange Business Currency Exchange.Deposit Express Business Deposit Express.Treasury Management Business Treasury Management.Fraud Prevention Personal Fraud Prevention.Other Banking Services Personal Other Banking Services.Currency Exchange Personal Currency Exchange.Open an Account Personal Open an Account.I only caution you in the future to really read the T&C's of your account it will open your eyes and hopefully the game of timing your checks will end soon. If you had a debit card and the bank had a choice which account to debit, guess which account they'll hit? Again - you had the multiple accounts and gave them the opportunity to do this to you. It wasn't enough to incur an NSF, but it was a sign that I needed to shut down one of the accounts sooner than I expected. I did have at one point have multiple accounts, until I started seeing how they were hitting my accounts. That's why you have the NSF problem.įinally, there isn't enough information on the multiple accounts cited. If you try to play the game of timing deposits before checks clear - you will lose that game. It is listed (again) in the T&C's of your account. Next, banks can process checks before the deposits. Again, this is a standard T&C with every bank out there and part of banking regulations. If it is an odd check or out of state, or a large check, expect a hold for up to five (5) days. In addition, any deposit received after a certain time (a lot of banks use 2PM as their standard) won't be reflected as a deposit until at a minimum the next day, even if the deposit is in cash. Even if you deposit cash - it won't post until that Monday evening. Even big banks do this - you will experience this wherever you end up. This is part of normal banking practice and included in your account's T&C's. Gary - it seems like a lot of this is of your own doing.įirst, every bank (and I mean every bank) will not post Saturday deposits until the following business day. I have no time or money to waste with these crooks. As of now, I'm closing my accounts and moving on. They need to change alot of things before they become a bank with the big dogs. DUH-Let's see, no money in old account, so let's run up some NSF fees for no apparent reason? Idiotic. And still, they haven't refunded my money as they think I was still using my old card. If you plan on opening multiple accounts, beware of weird activity on your debit cards, because my new account card started taking money out of my old account, whereas we had very little money in that account, and accrued $75.00 in NSF charges.

They seem to change policies by day regarding deposits. This adds up to plenty of $25 NSF fees, if you're banking on deposits going in right away. The same for anything after 3 pm, it won't be in until the next day, and not deposited right then and there. In other words, if you deposit Saturday, it won't go in until Monday at midnight. For one, there deposit times vary upon what day you deposit. I advise NOT to bank with IBC Bank(International Bank of Commerce).

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