RBS Citizens Bank Account Or Service Complaint

RBS Citizens Bank account or service department,

Checking account Problems caused by my funds being low Rhode Island

I have - checking accounts with Citizen Bank. - is a primary that has a - plus balance anther is a older account that was setup for direct pay of utilities balance usually $1000.00 or less. The bank suggested that I cancel the utilities direct withdrawal. I did cancel the utility direct withdrawal. The bank also suggested and demonstrated the online bill pay feature. I went on my online account and started paying bills online. When you click the pay bill online button it does NOT give you the option of which checking account to to with draw from, it just chooses which ever account it wants. On the next screen the site just defaults to a checking account it calls default checking account '' showing just the last - numbers which on the the main page shows just the last -. This is where it gets misleading and confusing. You see the terms


due to using the incorrect account number that the system defaulted. In my case it defaulted to my non primary utility paying checking account and rang up $170.00 in fees which Citizen would not credit. It never gave me the option to CHOOSE a account initially and then defaulted to an account I never use and has insufficient funds. If the system defaulted to a specific checking account it should have defaulted to my - account which it did not. I believe that bank defaults the pay bill feature to the account with less funds in it. Citizen could not give me a explanation for why the system defaulted to the secondary account and cost me $170.00 in fees. All they can say is that the you can change the account after the SYSTEM CHOOSES a account for you. I want to CHOOSE my account not have the system default to which account it feels like. I feel that this is happening to others.