I was notified via email that my checking acct went in the negative. this account has been open many years with direct deposits each month. my deposit came in and covered overdraft after four days of being overdrawn. I went to do a withdraw. the teller needed an over ride to withdraw from my acct. apparently the branch mgr decided to freeze the account. this was the first negative ive had with this account. the branch manager came out and announced in front of waiting customers that my account was in over draft. she then asked the teller how much was my new balance, my withdraw amount, and new balance out loud. hesitating the teller gave the info. the branch mgr then began to chastise me about bad business and threat of chex systems. the waiting customers heard it all. needless to say this was humiliating and a breach in confidentiality.
Doubt that what the bank did is actionable, even though it was embarrassing. Suggest you file a complaint with a bank officer and see what happens.
My answer is based on the facts you presented. If your information was not complete, or incorrect, my answer may be misleading or simply wrong.
Best thing you can do is close your account to move your money and business to a different bank. As a practical matter, you had no economic damages and in an open area banking scenario I doubt the court would find a legal expectation of privacy.
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While the public discussion was humiliating and unprofessional you probably do not have an action against the bank. Contact someone above the branch manager (district manager perhaps?) to file a complaint and look for either a satisfactory resolution or a new bank, or both. You will not be able to close the account with a negative balance so address this with the bank as well. Best wishes to you.
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