My bank, Mercantile Potomac, was recently purchased by PNC bank and switched over this past weekend. Prior to the change, PNC did a great job of providing information about their programs, terms, and services, which I read thoroughly. And thank goodness I did. There were some details in there that can bite any small business owner.
My previous business account had a fairly fast turnaround on deposits. We had been a long-time client, so even large deposits over $50,000 were generally not held and were
available in our account immediately. In reading the terms of my new account, I discovered that all out-of-state deposits over $50,000 will be held for 4 days. 4 DAYS. When you’re churning cash pretty fast and working to make payroll as clients push out how long it takes them to pay their bills, 4 days is a long time! That small detail alone could result in heavy overdraft charges. If you’re smart, you at least have a line of credit available to cover you, but having to draw on that unexpectedly is never good.
The bottom line is to make sure if you’re not watching the details, someone in your company is and making the appropriate plans for dealing with them.
on 
Well, nowadays its different, people are unreliable and go around taking other peoples info. They can do it easier now because of computers, keyloggers, viruses, etc.
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Nice Post. I liked it.
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well i must say that this type of account related cases are very common today since hacker find it very easy to hack a account and transfer all money into there account due the banks didn’t do any hard security program for hacker attack.
You have to be careful when dealing with banks because now there are online features that let you access your bank features and 1 wrong move will let a computer hacker get your information.
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please don’t scare me well this type of case recently occur with one of my friend that when he try to open his account then he find that his account password changes. so i wish this things would not be happen with anyone. keep it up
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This is really a great post about the particular topic and i am really impressed to know about it. I have read your full article and truly speaking that it was really very knowledgeable and very interesting. I think you are really very close on your points. Anyways keep it up and keep continue with your valuable thoughts. In the near upcoming future.
I live in an area where banks have been consolidating and swallowing each other up left and right both before and during our current local economy’s downturn. I left one bank for another only to have the bank I left acquire the bank I went to. It was so disheartening.
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I would be so scared of this happening to me. That is why I use a large bank that is all over the country.
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[...] unknown wrote an interesting post today onHere’s a quick excerptMy bank, Mercantile Potomac, was recently purchased by PNC bank and switched over this past weekend. Prior to the change, PNC did a great job of providing information about their programs, terms, and services, which I read thoroughly. … [...]