Compass Bank

A members only establishment. If you’re not apart of the club, they consider you a counterfeiter. This bank also does not do currency exchanges.

I’m in agreement with another reviewer– I wish that I could give them less than 1 star. They deserve it.
I’ve been banking with Compass for a few years. Unfortunately I am trapped there because I am unable to get an account with another bank because I bounced a check a few years ago (that’s right– don’t bounce a check in Boulder County, no matter what the circumstances are– they prosecute and ruin your record, even if it was only one time!).
I could write a novel, but here are a few things that stand out the most:
–There is NO CONTINUITY between the branches & the national customer service, or heck, even just between the branches. I would split my banking between the Boulder center & the Lafayette center. Constantly being told different things (re: policies) at either branch. They also process deposits in a different way. BEWARE. This can really screw with you.
–Insulting customer service reps. Don’t call the 800 number unless you have a spotless bank record. Otherwise, be prepared for their reps to let you know just how irresponsible you are with money. I had one rep snottily tell me, when I was disputing an OD fee, that «that’s why *I* keep money in my account at all times.» Oh really bitch? Sorry I live paycheck to paycheck, thanks for demeaning me about it.
–Horrible bank manager. This one is in special reference to the Boulder center’s manager Tre. He has treated me with so little respect & barely disguised disgust, it’s unbelievable. He is also incredibly two-​faced. Once I called in & spoke to him & he was so rude on the phone it reduced me to tears. He would barely let me speak & was incredibly snide. When I went in just 10 minutes later to talk in person he acted like none of it had happened & we were best buds. WTF?
They also intentionally put through transactions to cause fees– like many other banks do. Recently I was told that they charged overdraft fees on some transactions in my account like this:
Trans 1 goes through, there is money in the acct for it, funds are held for this trans.
Trans 2 goes through, there is not enough money, this generates an OD fee.
When Trans 1 goes from pending to posted, there is not money due to the OD fee from Trans 2, so Trans 1 also generates an OD fee, even though there was money held for it, which is what caused Trans 2 to OD. Make sense to you? Me neither.
Now I am battling yet another OD fee because the tellers at a branch told me Compass instituted a new policy where your acct. won’t generate an OD fee if it goes negative $ 4.99 or less in one day. This happened to me once, no fee. It happened again, a fee! I called the 800 number & they can’t figure out what I’m talking about. Oh, & since I’ve had OD funds reversed in the past, they won’t do any more– FOR LIFE. No matter how long I have my account for. Seriously? I’m going to close my account tomorrow. I don’t care if no one else gives me a bank account. I am sick of dealing with Compass & their rudeness, inconsistent policies, & bullshit.

ORIGINAL:
Ah Compass bank, if only we could give zero stars. How about some adjectives?
How about malicious fee-​mongering inhuman jerks?
I really wish I could post my recent bank account history on here so you could see how these @ssholes operate. My favorite was when they used an unfair charge to make me go negative and generate more charges. How about letting a CASH deposit sit in pending while other charges rang through overdrafting the account? Any way you slice it, it is malicious.
And by the way, maybe other banks are doing it too, but that doesn’t justify it. It is wrong they way they treat you and try to generate fees.
This may seem like I just had a bad experience, but I know I’m not alone. How you ask? The day I went into complain, another guy came in shortly after with similar problems. Bank elsewhere, there are plenty of choices.
UPDATE:
Booyah!!!

Today I went into Compass and was pleasantly surprised with the bank. 1^st there overdraft from checkcard to savings is free for my mom, second the people working there are super nice, last when I had a problem with another bank Greg worked hard to help me fix it. I think I am planning to move most of my banking over to this bank.