Decided to give them a try as I was looking for a local bank to operate with. I deposited a small about into.the account around $500 upon opening. Used the account to pay for online Christmas stuff, etc. I have been charged $200 in overdraft charges and I cannot.see from any of the online sites where I have been overdrawn. As per the customer service rep, you are charged overdraft for pending transactions. I am unsure how that can happen since example: Stamps.com charged a pending $1 but and then reversed it. The bank has very shady practices. I was charged two ODF for venmo verifying the account. I understand now why this bank will never grow beyond it's small market. Customer service said it will refund $72 when that takes I will close the account. What an awful company. Customer service needs training in dealing with customers, she had the nerve cop an attitude when I started frustration over ODF FOR PENDING CHARGES. I have never heard of a bank doing this. I will stick with my regions, a legit bank.
This bank will lie straight to your face causing your hard earned money to go to nothing but NSF FEES/OD FEES when your account wasn't even in the negative to begin with!! They allowed my car note to process twice, one day apart! Then lied about returning the OD/NSF fees to my account! The teller and customer service (phone) I had been speaking to not only lied to me but had the worst attitude and ZERO customer service experience! Closed my account and now banking with Regions! I know I will never get that money back, and like most families we live pay check to pay check. WORST EXPERIENCE WITH THE EXCEPTION OF AT&T!!
BankPlus is a HORRIBLE bank. I have used them for years and will be closing my account this week. Their customer service is one of the worst I have ever encountered, they truly let you know that the customer doesn't matter at all. Their policies are outdated and their mobile banking is laughable. I have run into issues before that always require going into a branch, which has been a huge problem while traveling. They also have insane fees and very low interest savings. Do not bank with them.
Bank Plus has made my life easier. I wanted to have a separate account from my husband so I could save for emergencies and Christmas. By opening an account with them and using them strictly on line my husband never knew. It was so easy and simple to withdraw from our primary checking and make a deposit into my account and I could see in real time the updates in my Bank plus account. I rarely had any problems but the few times I did I could call the main branch and the reps there were always very helpful and answered all my questions. They would always explain everything thoroughly to me so I completely understood everything. I have been using Bank plus for a few years now and I always receive my online statements in a timely manner everything is clear and easy to understand. I have even started a college fund for my son there and it has grown considerable since no one knows it even exists. I would not hesitate to recommend this bank to anyone out there.
Upon the birth of my second child, my co-workers pooled their gift money and gave us a $200 Visa gift card from BankPlus. We went to use it and BankPlus had taken all $200 in "inactivity fees". $25/month for an "inactivity fee"? That should be against the law. It's unconscionable!
We called to inquire about this policy and asked for the money to be replaced, but they were obviously to ashamed to tell you know directly. They said they would review the matter and for us to check our card balance in a few day. This happened several times and nothing was ever done. I've since closed my accounts there.
They've lost my business because of this. Obviously, I would advise against banking here based on my experience. That's a horrible way to treat customers and they should be ashamed.
This bank will allow your transactions to remain pending for a week then try to send them all through on the same day hoping to get an overdraft charge out of you. Say you have a little bit of money in the bank and a check comes through that you probably forgot about that will not be pending for a week they will let it clear as soon as it hits so that they can get an overdraft fee out of you. This bank robs their customers stay away.
Bankplus offers a free checking account with no monthly fees. I have my paycheck deposited there and it shows up on time every time. Their phone-based customer service has been very good, however the customer service I have received in store has been just so-so.
I had to get a replacement debit card because my card was charged with fraudulent charges. To do this I went to the bank, they gave me my replacement. Half-way home I realized the card had somebody else's name on it and I had to go back.
Overall, I've had a positive service from Bankplus, just watch out for their overdraft fees. If you overdraft, they will charge you an overdraft fee for every time you use the card that day, not just for the time that caused the overdraft.