Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XXXX I went to Associated Bank XXXX XXXX XXXX XXXX XXXX at XXXX PM. 
I was ready to deposit XXXX checks ( {$25.00}, {$68.00}, {$21000.00} ) into my checking account. 
I have over {$400000.00} in checking and saving account at Associated Bank in XXXXXXXX XXXX 
The teller said I can't give you {$15000.00} back, I can only give you {$3000.00}. I said that will not work, that is way too low. The other teller working struggled with a negative attitude and was very rude stating, " She is right. ". I stated, " I will need to talk to someone else. The rude teller asked, " You want the manager? '' I said, " Yes ''. Then the rude teller repeated, " The manager? ". I said, " Yes. '' The first teller went to get the manager. The first teller came back and said she must be in the bathroom but she will be coming shortly. The manager came out and I said I need more than {$3000.00} cash. 

XXXX XXXX, bank manager, at Associated Bank in XXXX, said I can only give you {$3000.00}. XXXX stated, " If you want more, you have to give a week notice. '' I said I have over {$400000.00} in my checking and saving account, getting only {$3000.00} does not work. 

XXXX said if you are withdrawing money on a regular basis, you can let us know a week ahead of time. I said that is unacceptable. I asked, " Is this a policy? Because the XXXX branch allows me to have {$5000.00}, {$15000.00}, even {$20000.00} withdrawn. XXXX said, It is not an Associated Bank policy, but it is what we have on hand. XXXX handles more money and has more available. I said {$3000.00} make no sense. XXXX said you can let us know a week ahead of time. 

I said I am going to the next level with this issue, because I truly do not understand. I asked, " Why would I put money in the bank if I can't access it? '' I asked, " I am telling you if this is not corrected I will pull my money and close all accounts and you are willing to let a customer walk away? '' XXXX said, " I am sorry that is the most I can give you - {$3000.00}. I asked, " You know that makes no sense. I have over {$400000.00} in checking and saving and I must tell you a week ahead of time to get money? '' I said, " Thank you, I will have to go to the XXXX branch to get money. '' No one from the XXXX XXXX stated that if you are still unhappy please contact this person nor did XXXX take me to her office to talk privately. Everyone in the lobby heard our conversation. 

I got home and called Associated Bank XXXX XXXX XXXXXXXX XXXX ( XXXX ). I talked to XXXX from the XXXX XXXX XXXX and he was great. XXXX confronted me, said he understood, and said they will look into it and get back to me. 

XXXX PM, I went to the Associated Bank XXXX XXXX. In the lobby XXXX people were waiting with me to be served. I heard someone talking from behind the desk ( but could not see the person ), " He hasn't come here today... he runs an XXXX XXXX  I haven't given him a large amount in a long time. '' I left the lobby shocked ( you can verify with bank cameras ). A professional bank representative is talking loudly that everyone in the lobby can hear about a customer, while XXXX people are waiting to be served ( you can verify with bank cameras ). 

XXXX PM, I went to a local bank XXXX minute away from the Associated Bank XXXX XXXX. I asked for {$15000.00} cash from my savings account, while only having {$31000.00} in my saving account ( not like the {$400000.00} that I have with Associated Bank ). The tell says that she has to get approval and states in a short time that I am approved. As I waiting for approval, I deposited XXXX checks in my savings account ( the XXXX checks I tried to deposit into Associated Bank XXXX and Associated Bank XXXX ) at this other bank. 

XXXX PM, I got approval to withdraw {$15000.00} from the other bank. 
XXXX PM, I was in my vehicle with {$15000.00} cash Where will I want to bank all the time? 
Where was the professional and positive experience? 

When I got home, I called the XXXX XXXXXXXX XXXX XXXX Associated Bank to report what happened at the XXXX branch. She was very responsive and supportive, saying she will add to original complaint and get back to me.

Company response to consumer: Closed with explanation