Full Service Brick and Mortar Office
Review: 2star11 client reviews
Location:7 Halfmoon Circle
Clifton Park, NY 12065

Saratoga County
View Other Branches
Branch Deposit:$81,852,000
FDIC Cert:#23621

The Bank

Name:Berkshire Bank
Concentration:Commercial Lending Specialization
FDIC Insurance:01/02/1982
Charter Class:Commercial bank, state charter and Fed nonmember, supervised by the FDIC
# of Branches:99, view all, view on map
Total Assets:$12,425,425,000
Total Deposits:$10,736,701,000
Total Equity Capital:$1,029,883,000
Total Domestic Office Deposits:$10,736,701,000
Net Income:$76,144,000
Quarterly Net Income:$258,000
Return on Assets:1%
Return on Equity:8%

Client Review

11 client reviews of Berkshire Bank scored 2 out of 5.

Worst Bank I have ever used
 1star Overall Rating
 5star Interest Rate and Cost
 1star Office Environment & Staff
 3star Waiting Time
 3star Other Services
by irritatedcustomer, Jan. 09, 2015

I reactivated a checking account, made a large cash deposit, and was told that the debit card would work fine immediately.  I went to get gas and the card was rejected at the pump.  I called the bank and was told that I should not have been told that the card would work, that I needed to get a new one.

I was told that due to a change in format of account numbers that my checks "might or might not" bounce and was told to order new ones at my expense (in fairness I was told - a WEEK later - that the charge would be waived).  No one told me that I could not use my existing account number to arrange for direct deposit of my social security check or other items.  I did so and was then told by the bank that the deposit would not be accepted because of the change in account number format.  Now I am going to have to deal with a delayed social security payment because of the lack of competent and complete advice from branch staff.

On to the debit card. it took around 25 minutes to get a new one issued, which I thought was absurd (I have opened accounts at other banks and the entire process, including the debit card, took 15 minutes).  The first time I went to use the card on a $130 GPS purchase it was declined; this, with a 4 figure available balance in the account.  I called and was told that "MasterCard, for security reasons, requires that all purchases over $90 be run as debit, not credit, and using the PIN is required".  I checked with another bank and was told that that was not the case.

In any case I attempted to use the card at the ATM at the branch and apparently forgot my PIN (the one thing not the fault of the branch or bank).  I called the branch and got my pin reset and was assured that the card was now 100% up and running.  I waste 20 minutes driving to Walmart, go to buy the GPS, and the card was rejected AGAIN.

I called the branch again and was told by the person that reset the PIN that she failed to clear the block placed on the account when I attempted to use the PIN that I could not remember.  Again, not the bank's fault that I forgot my pin or that the ATM locked the card; DEFINITELY the bank's fault not to have seen that on the screen when the PIN was reset.  I must say that the person was honest enough to admit it was her error.

I will review again as the horror story continues.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on Berkshire Bank, Halfmoon Crossing Branch at Clifton Park, NY
4 of 6 people found this review helpful. Was this review helpful to you? Yes, No   Report Abuse

1 comment. Add a comment

by Ethan 2015-01-29 22:27:41
But they are "America's Most Exciting Bank."  Doesn't thaBanke it all better?

All Reviews...

Banks Nearby

Ballston Spa National Bank, CLIFTON PARK BRANCH (0.6 miles)
Full Service Brick and Mortar Office
1714 Route 9
Clifton Park, NY 12065
Full Service Brick and Mortar Office
1703 Route 9
Clifton Park, NY 12065
Catskill Hudson Bank, HALFMOON BRANCH (0.8 miles)
Full Service Brick and Mortar Office
1685 State Highway 9
Clifton Park, NY 12065
Manufacturers and Traders Trust Company, CLIFTON PARK BRANCH (0.9 miles)
Full Service Brick and Mortar Office
610 Old Route 146
Clifton Park, NY 12065
Saratoga National Bank and Trust, CLIFTON PARK BRANCH (1.0 miles)
Full Service Brick and Mortar Office
386 Clifton Park Ctr Rd
Clifton Park, NY 12065