Business ProfileforHar-co Credit Union

I am following a complaint against my current bank. Back in December I was experiencing financial hardship. Just to give you an anecdote. I am 18 years old, I am currently putting myself through flight school. Unfortunately I had gotten an over draft of $312. About a weak later I went out to the abingdon branch to speak with someone by the name of Frank * about settling my debt. I offered to pay the current debt in cash and told me that was not possible, and that I would need to contact someone by the name of Melinda. After making several calls to Melinda I received no response. So my plan was to wait till I started my new job and I would settle my debt when my savings was at a sufficient amount. During this time I would keep my spending to the absolute necessity. I used some miscallenous cash from my rainy day fund to cover. After starting my new job I received my first pay check on the 2nd of febuary, in the amount of $281 dollars. I had an existing $105 dollars in my account prior to that because my mother decided to give me a small loan. My intentions were to get a few more paychecks and then pay the debt and reopen my checking. Febuary 3rd I got an online banking notification that $312 dollars was with drawn from my account. With that information I went in to see about opening my checking. I was told by someone with the name of darlene ( whom was very helpful and understanding) that I would not be allowed to reopen my checking for one year, and that I was reported to chex systems. This leads me to here, I am filing this complaint because I was never told about this policy. It is essential I have access to my money as it is my personal asset. I expect Harco to reopen my checking.