I'm writing this review to vent and warn people about banks offering $ to get you to open an account. I can already hear the "I told you so" cliche. Anyways here's my good and bad experience.
First the Good: Virtually no waiting in line. There's hardly any customers. So walking in to make a deposit is great! Right?!
Now for the juicy BAD stuff: There's probably a reason why there are no customers waiting in line! The convenience factor of their ATM, Comerica branches, and their working hours are terrible. OK, the tellers are pleasant, but that where it all stops. Interfacing with the call center is so backward. I feel like I'm pulled back in the past. There are many restrictions put on the call center that you can't really get anything done. I might as well talk to a computer! Seriously?! Example, if I call the call center they would have to call the branch, your home branch, and have you talk to them. WTF? And get this, if the branch is closed, if you called the call center, they cannot get anything done for you! YOU ARE NOW WARNED! Also, forget gaining access to your account if you don't have your account # with you. ATM card # does not count! You cannot even ask for your balance! Even if you have your b-day, SSN, mother's maiden name, etc. All those security features we are more than familiar with. Again seriously?!
NO convenience banking centers like BofA, Wells Fargo, East-West, Citibank, even Union Bank at a shopping mall, grocery store, 24-Hr 7-Eleven, etc.
It gets better, you have to wait 6 months to get your bonus. I know, I know, should have known better...but I actually was kind of digging not having to wait in line at a bank. I fulfilled my obligation to do at least 5 billpayer transactions, and 5 credit purchases on my ATM card. Guess what?! The branch claims I did not register my checking account for the bonus in order for the system to automatically track it. So what? The branch manager can review the account and over-ride it right? Wrong! Nothing the manager can do. I don't recall because it's 6 months ago, but I told the branch manager either the banker I interfaced with took care of it or maybe I did register my account or else how could I open my web banking account? IDK...I forgot. Big dummy! The bank was probably banking on that too. To rub it in, the branch manager says you are the only person that didn't register your account. In other words, you DUMB f*ck, you are screwed! I quickly CLOSED my useless account right away. All $750.13 of it! Also, my banker that opened my account quit or got fired...IDK...it's Comerica damn it!
If you are asking...why do I have $750 on my checking? Well, once upon time, the checking account was free and there's no minimum balance requirement. I guess, people where closing their accounts after their bonuses (I wonder why?). I was told at the Burbank branch in December that in January, the free checking $0 minimum balance requirement is eliminated. $500 is the minimum or have direct deposit of at least $150 per month to waive the maintenance fee. So, I rush to deposit $500 before December ends for me that's the 25th of every month. I'm OK right?! Not with Comerica! The teller at South Pasadena says I think the balance is moving up to $750, but I said I was told in Burbank that the minimum is $500 and the computer said so too. So the South Pasadena teller shrugs and says OK I might be wrong. Well as it turns he wasn't and he even went on to bite me with his words. I told you it was $750. Well, if it's $750, where's the written notice and why I wasn't insisted to deposit $750? Silly rabbit, the bank wants their $5 per month from you. What was I thinking? Free checking at Comerica with no customers waiting in line? Comerica puts a whole new meaning to no such thing as a free lunch!
Well...I'm ditching Comerica. I was so angry, so fed up, so disappointed. All I did was close my account and leave. Too tired to fight but not too tired to b*tch about it. Where some banks give their bonus to you right away, those are legit like Chase, Wells Fargo, and Union Bank. NOT Comerica. NOT Comerica!
Comerica can go be extinct like ther other dinosaur banks, e.g. Home Savings of America. They were big and mighty right?!
OK...the tellers are pleasant and no waiting in line. The billpayer system does have a plus, you can get your bills directly into your billpayer. Nice but if you use other methods to pay your bills, you'll get unrelenting notices of past due on your bills that you did not use Comerica billpayer to pay. Annoying convenience.
Just stay away! Unless you like going to a bank that works like you're from the 1940's or 50's very conservative. Pleasant banks with a smile but they stab you in the back. They do not look out for you. Example, East-West changed their policy. Right away, I got notice in the mail. I went to the teller to cancel the account. The teller made sure all my accounts were in order without me asking! That's service! read more