How can Citizens survive with the automated no recourse system? Unreal. 
At least there were work arounds at US Bank. It only took thirteen years to get what their IT was doing but, I could get around it.
@TrapLine wrote:
How can Citizens survive with the automated no recourse system? Unreal.
Citizens is using some of the same systems as DCU. I recognize bits of the UI that are common to both their online banking websites and mobile apps -- in addition to recognizing some pinpoint functionality limitations within same.
DCU used to have a near-sterling reputation for customer service and CSR knowledge. Over the last 10 years, DCU heavily dinged that reputation by getting to the point where if you had a "real" question, whether you got someone who could give you a correct answer (vs shooting from the hip but presenting their answer as fact, or being oblivious, or just getting bent at you for asking) became YMMV. And from YMMV it pretty much went to "don't bother, just pull out the T&C and scrutinize them, at least their IT systems seem to mostly follow that book." DCU's online banking tech has also been showing signs of age and, of late, iffy maintenance/upkeep capability here and there (I'll just call it 'cobwebs and no apparent tools to sweep them out').
And within the last year there was an announce that DCU and First Tech are merging -- which I'm guessing is actually DCU being acquired outright.
I doubt Citizens is going to get acquired anytime soon, but there's your answer to how Citizens can survive. Other places do same and survive. The bar is very, very low except for those of us paying this level of attention. We squeaky wheels who require precision and will (and for that matter, *can*) shop with our feet are a small sliver of the retail banking pool by headcount; retail banking institutions know this, and choose whatever their strategies and levels of service with that in mind alongside everything else.
For reference, my USB experience that made me toss them into quarantine was as a depositor in the mid-'90s. The branch near where I worked wouldn't accept my payroll check for deposit without putting a hold on it for 5 days, very uncommon at that time -- and further, the firm the check was from was literally 2 blocks up the street, a 75-year-old (at the time) institution, and had been in that physical location for far longer than that USB branch had been open. And that was to say nothing of the fact that being 2 blocks from the building, many employees deposited their payroll checks there, so the branch knew the checks were good and had all sorts of verification tactical that they used for that situation all the time. The teller was a moron, or at least patently uncreative with some bad branch management. It was the first time I had run into such a thing in my life.
I aborted the deposit, took the check to another branch a couple of miles away, and deposited it with no hold and no fuss. Within 2 weeks I had opened a checking account somewhere else and I got rid of the USB account. I had the good sense to close the USB account in person, but not at the branch that treated me like I had no business being in there in the first place (it wasn't just the paycheck thing -- there was definitely a funky vibe, and based on my ability to skip the hold just by going to a nearby branch, "branch A" was clearly treating me differently for whatever its reasons). I actually felt bad for the very nice teller who closed my account at "branch B" -- she tried. But "branch A" had already poisoned the soup.
USB does certain things well, and certain things badly. When you can figure out how they operate it can work well for you (as you noted). When there is no way to dig out of the institution doing something badly, you get a Citizens, or a working-at-getting-that-bad [sadly] like DCU. Either way, they meander along, or get bought and then continue as part of whoever bought them.
Just my take.
@smcj wrote:
@jefeporsche6pm wrote:I unfroze my Lexsinexis a couple of days ago and it's still the same error for me
Yikes. The only other ones I can think of are ARS and Innovis -- I think I froze those years ago. Any chance you have one or both of those frozen?
I've got literally nothing frozen at this point. ARS doesn't exist anymore and Innovis isnt frozen either.
