I tried to work it out, I was mistaken to think their policies were any better than the Big Bend-Over Banks.
I stuck it out with Flagship for many years, even when I moved far away from the nearest branch, they were more than happy to be my primary online bank, accept direct deposits, and make a small transaction fee off of every swipe I make on my Debit Card. Friendly staff knew me on a personal level, and how could they not? I've never seen another customer inside the bank at the same time as myself.
When times were good, they were great and happy with my contributions, but like any other Big Bend-Over Bank, they're not so sympathetic or willing to help with times get tough. The fees are enormous, they compound, and they thrive on the mistakes that come from automated transactions. While they have not lost a single dime to a payment I couldn't make, my accounts remain far into the (imaginary) negative due to imaginary fees. They have been unwilling to compromise, on any level, and it's come down to me simply giving up on them and going back to the grown-up banks. read more