Citizens Bank of Guntersville

Posted in the Guntersville Forum

Willow_149

Albertville, AL

#1 Oct 22, 2010
Has anyone on here had any trouble dealing with Citizens bank of Guntersville?
ThomasA

Sterrett, AL

#2 Oct 22, 2010
Willow_149 wrote:
Has anyone on here had any trouble dealing with Citizens bank of Guntersville?
Explain youself. There are problems with people and computers but very very seldom is there something that cannot be fixed with a phone call or personal visit.
Willow_149

Albertville, AL

#3 Oct 22, 2010
Willow_149 wrote:
Has anyone on here had any trouble dealing with Citizens bank of Guntersville?
Well, my husband and I have a joint account there. My husband is a truck driver and cannot go himself to the bank to deposit his payroll (which is written on this bank). So, I go to deposit the check and pay what bills we have with this account. Well, we were told that because its a payroll check, that I would have to cash it first, then deposit it, if we wanted to have access to it before midnight..so, I started doing that... Well today, I was told that because this wasn't my check, that we wouldnt have access to it until after midnight..that if we wanted access to the money before midnight, then my husband would have to call first...My husband and I were together at the bank when we opened this account, he told them that I handled our bills and so forth and that he wanted me to have access; that was the purpose of my name being on the account. I don't know, but I have never heard of this policy before with any other banks..just wondering if anybody else has..
ThomasA

Sterrett, AL

#4 Oct 23, 2010
Willow_149 wrote:
<quoted text>
Well, my husband and I have a joint account there. My husband is a truck driver and cannot go himself to the bank to deposit his payroll (which is written on this bank). So, I go to deposit the check and pay what bills we have with this account. Well, we were told that because its a payroll check, that I would have to cash it first, then deposit it, if we wanted to have access to it before midnight..so, I started doing that... Well today, I was told that because this wasn't my check, that we wouldnt have access to it until after midnight..that if we wanted access to the money before midnight, then my husband would have to call first...My husband and I were together at the bank when we opened this account, he told them that I handled our bills and so forth and that he wanted me to have access; that was the purpose of my name being on the account. I don't know, but I have never heard of this policy before with any other banks..just wondering if anybody else has..
If both of your signatures are on file for this account,money deposited " before afternoon cutoff" should be available. After cutoff, money is not available until next business day. Don't see a desk clerk, ask for an appointment with the manager.
Bud W

Laceys Spring, AL

#5 Oct 24, 2010
ThomasA wrote:
<quoted text> If both of your signatures are on file for this account,money deposited " before afternoon cutoff" should be available. After cutoff, money is not available until next business day. Don't see a desk clerk, ask for an appointment with the manager.
Thats not true, if the check is made out to your husband then your husband will have to sign it in order for the check to be cashed. Thats standard policy for all banks.
ThomasA

Sterrett, AL

#6 Oct 24, 2010
Bud W wrote:
<quoted text>Thats not true, if the check is made out to your husband then your husband will have to sign it in order for the check to be cashed. Thats standard policy for all banks.
I guess my bank was wrong all those years before I went to direct deposit but they did it anyway. Times and rules change.

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