We have worked with banner bank for the last 3 months on our heloc loan. We have had contradicting information, lost paperwork, phone calls that weren't returned and emails that went unanswered. Despite doing everything we could to determine all fees in advance, a $800 fee was added on the day of closing that should have been communicated earlier. We will never use Banner again.
I signed up for a checking and savings account with Banner Bank a few years ago when they were running a $50 free promotion. I wanted the free money, but I was also trying to find an alternative to the big bank I've been using since I was a teenager. I used the account for a few months but there were so few ATMs when I needed them and I never set up direct deposit so I ran out of money in the account and just sort of let it linger. I still have the account; I just never really use it. I still have checks for it somewhere. I hate the big banks but I love having ATMs wherever I need them, and mobile check deposit (which Banner didn't have at the time but might now). Banner just didn't have the conveniences that I needed. I ended up going with BECU, because they have a whole network of ATMs and are also local.
Went in to open a Connected Checking Account for 50.00 after seeing an advertisement and the branch was in my neighborhood. I even closed out my other bank because of the offer for a free monthly checking account. I made this clear when I went in to the branch and spoke with Mrs. Johnson who "helped" me open my account.
I was signed up for a checking and saving account and had money transferred to this account without my knowledge nor did I ever create it myself. Again, I only signed up for the connected savings. A balance of $100 was maintained of my money they placed into this savings account I did not agree to or create and if it dropped below that I was to accrue frees. I am unsure as to why they went ahead and created a savings account and is disreputable, underhanded and probably not legal. It created problems with my payments and when made aware I spent hours out of my life having to resolve this issue due to no fault of my own.
I also went in to the branch to deposit money in to my account and the teller wouldn't even get off the phone and seemed to be having a volatile emotionally charged conversation they were immersed in and acted as if I was disturbing her. She didn't even pay attention and just took my money and gave me a receipt there was no dialog or exchange other than me giving her my debit card. I asked if everything is ok and she just nodded and turned away to continue her phone call. I had never witnessed that in a bank before or any place of business for that matter and was the worst customer service I had ever experienced especially when dealing with a bank and money.
This entire fiasco was brought to my attention just today as I could not make a payments online as it was declined although I knew I had enough money to cover the cost. I talked to someone on the phone and they would not close out the saving account even though I never signed any paperwork nor agreed to it. They told me I needed to go into the bank and close out an account I personally never opened in the first place. I asked them what is the logic in that and if they had ever heard of banks setting up accounts for their customers without their consent and putting their money it in or if they thought that was a legal practice. Finally they said they would close out the savings account but at a "future date" as opposed to closing it out as I spoke with them. Obviously I have no reason to believe them and told the csr that. They agreed to transfer all of my money to my checking account and then told me I could accrue fees on this savings account in my name they made.Terrible business practices that again, are very dubious.
In addition, the people who work at the branch are clueless and socially inept. Signing people up for accounts, transferring money is unscrupulous and unethical. They deserve grief for doing such. The customer service I experienced was pathetic and embarrassing. I don't know if this experience is a reflection of the bank as a whole and isn't my concern. The people I dealt with who represented this bank caused me to waste my time trying to resolve issues I should not have had to do, set me up for an account which I never agreed to and took time out of my life having to deal with their idiocy and caused me problems that shouldn't have ever risen in the first place.
I've had banner bank since I was 18, and I am now 26. They've been able to cater to anything I have needed from them. I have loved their no ATM fee's in particular. So anywhere I go, if I need cash, I don't have to worry about the dreadful fee's. This has probably saved me hundreds of dollars over the years. Their app has been improving a lot too. I can deposit checks right from the app which is SUPER CONVENIENT. I don't go into the storefronts often, but when I do, the lines are short and the service is very helpful. I've never had an issue with them in 8 years. For a local bank, I strongly recommend them if you live on the west side of the US.
I have banked with Banner Bank in Spokane, WA for 5 years. My wife, kids and I bank with the Downtown branch on 3rd and could not say enough for thier excellent customer service!! There was a little rough patch in the service there before the new Manager took over, but she has since hired a great crew that that takes care of my banking needs, are always friendly and are downright good people. I would recommend Banner Bank to any of my friends or family, also, I have to mention that if I go to any other Banner Bank branch, I am always treated wonderfully.
Thanks for the great service!