Arg! My brick & mortar bank (for now) is National City. The bank is switching over to PNC and First Niagara. Some branches around here made the switch from National City to First Niagara this weekend, and it has been a mess for me.
Before we got married, Shane opened an account with N.C. back in Indiana. Shortly after we married and moved to Pittsburgh, we turned his account into a joint one and added an additional joint checking so we could have separate debit accounts.
So…his original account is staying with National City and will switch over to PNC in November. However, the one I have has switched this weekend to First Niagara.
What does this mean for me?
I could not use my old debit card this weekend. I have not received a new one. The banks were closed because of the switch and the holiday. I could not access my money.
Further, we cannot log in to any of our accounts on the National City web site. Later today, we should be able to log in on First Niagara. I *hope* that everything will run smoothly and that we’ll be able to pay our bills without issue.
*edited to add:* I was able to set up login info with F.N., but it’s only the checking account and savings accounts that we opened while in PA. The others are still at N.C., but are inaccessible online. It doesn’t look like I’ll be able to move money from Shane’s checking to mine, which is how we have our budget system set up. And, our insurance and charity sub-accounts aren’t linked anymore. ARG! What a headache! *
We received some vague info in the mail about it, and I made a phone call to clarify which accounts would be affected, and what that would mean. I was told that I should receive my debit card by Friday (Sept. 4). I don’t have it yet.
Luckily, I haven’t had to spend money this weekend. On Friday when my debit card was rejected at the grocery, I used my credit card that I rarely use. I’m glad I had it in my wallet, but what a pain!
I’m really annoyed with the whole thing, and it has taught me that having a small amount of cash at home can come in handy for situations such as these. And, it’s helpful to have an alternate form of payment if your card bonks out.
We’re going to look at other brick & mortar banks and we’ll probably make a switch, though it’ll be a hassle. Any recommendations?