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There's nowhere to begin but to tell y'all do not put your money in this Bank I've been banking with them for two and a half years now and recently my debit card was compromised so I had to order a new one now my direct deposit is not going into my account it's not even going to that bank so if you know like I know this is the worst bank ever and don't put your money in in this Bank because you will get ripped off and customer service sucks the branch manager has a bad attitude she needs to be fired
BEWARE!!! Do NOT Join This Bank -or- Close Your Account NOW!!!!!!
Horrible Bank! Just Horrible!!!
BEWARE!!! AFTER Reading below, PLEASE do a searh online for the line of text below:
1stnb banking services/fee schedule
READ ON...
Bank Teller tracked me down in Walmart while I was shopping and Asked me to Open a Bank account!... Really??? She seemed SO NICE!!! I thought she was a fraud posing to be a worker of the bank... turns out, she's legit... So, I opened an account... thought everything was fine...
I had no cash to deposit that day and asked the worker if that's okay? She said that's fine and I have 30 days to deposit money or else I will be charged a fee... I'm like, okay, my direct deposit will kick in before 30 days, so I'm good.
After 2 direct deposits of just a very small % of my check), I later noticed a $12 Maintenance fee... I thought maybe the bank teller misinformed me with the 30-day limitation on the $0 balance; so, I did not contact the bank about it... The next month "TODAY" March 27th, 2024 (after 3 deposits), I noticed another $12 Maintenance fee... I'm like what thah what???... I KNEW then that I'm being charged a monthly fee for just having the account opened... I'm like WOW!!! Really?? I wish I had known this was NOT a Free Checking account... I thought for SURE I had asked the bank teller up front if it was free checking or not. And I thought she told me it's free checking... I guess she was so focused on a commssion and getting me to sign up!!!
So, I searched online today and found more horrible news about this bank that of course they PURPOSELY "HIDE" from you! There IS most DEFINITELY a CATCH to this horrible bank!
They charge you a $12 maintenance fee EACH month! AND... if you CLOSE your account in the first 90 days... how about they charge you a $25 fee.. What thah what???...
Here is the breakdown of my calculations...
(2024)
Jan 24th (Balance: $0.00) Opened my account
Feb 14th (Balance: $57.81) 1st deposit of $57.81
Feb 24th (Balance: $45.81) $12 Maintenance Fee
Feb 28th (Balance: $86.83) 2nd deposit of $41.02
Mar 14th (Balance: $144.64) 3rd deposit of $57.81
Mar 24th (Balance: $132.64) $12 Maintenance Fee
I IMMEDIATELY contacted my job's payroll department and REMOVED thank bank from my direct deposit. There was ABOUT to be another deposit in 2 days... Hecks Naw!!! I'm closing that account TODAY or TOMORROW!!! Pronto!!!
NOTE:
IF I keep my account opened another month, that will be $12 x 3 = $48.
I'm going to close my account ASAP; so, that will be $12 x 2 = $24 + $25 = $49
Either way, I'm JACKED for $50 for having this bank account opened for only 2 months of use! WOW!!!
REMINDER... PLEASE do a searh online for the line of text below:
1stnb banking services/fee schedule
You all be blessed!!!
I recently had my debit card stolen, & over $400 dollars was taken from my account. My family missed Christmas, my car got cut off & im on the verge of losing my job. This bank has been everything but helpful in this situation. I’ve been on hold for over 4hrs. Every supervisor is rude & entitled. I tried to close my back account & they told me i couldn’t. This is the absolute worst banking system i ever experienced. My holiday spirit is all the ruined
If you're account gets hacked on a Saturday or Sunday, you are out of luck until whenever their customer service is available to actually take a call.my account was hacked, put me severely behind on bills and took the bank over 3 FRICKING weeks to get my money back. This bank is joke and has caused so many errors on my account, I highly wonder the mental competency of some of the employees. I highly do not recommend this bank or their services, utterly frustrating and ridiculous service. Messing with a customer's financial well being and lifeline is not a joke and heinous. Their mobile app is almost complete junk.
I guess it’s time to share my story. I was trying to cash a check at Walmart and ended up sitting to open a bank account. I needed a physical bank instead of just Chime or Cashapp. So I open the account and deposit. The temporary card worked so I had no trouble there. I did a mobile deposit which wasn’t approved until the next day and then they decided to hold it for 5 business days. I cashed the entire check through mobile deposit so I had NO money for anything until my next check. I get the debit card in the mail during this time and activate it. I’m told there is an issue and hung up on by the automated system. The card showed as active on my mobile app so I figured it was okay. I go to pay a SUPER important bill with the check that is now cleared and BOTH the temporary card AND the chipped card declined. AGAIN, no access to my money. Now it’s the last day to cover this bill and I have to go straighten this crap out. DONT BANK WITH THEM!! Not freaking worth it.
My father just passed away on Monday. I had deposited a check from our Trust account on Friday. Mind you this is an account that I receive a monthly check from and it is ALWAYS a good check and they make it immediately available. They put a hold on it and are refusing to release the check! I have funeral expenses and I've explained this... they lied yesterday and said the branch mgr would call me. Of course she never did! Six weeks ago, I had Covid and could not go in. They refused to release money that was a temporary hold from a food delivery company even though they had already credited it! They are doing something with our money and are horrible people in general to do this to someone who just lost their father! You should run as fast as you can away from this bank!
I have had accounts, both savings and checking and held a couple thousand dollars between them here and never had an overdraft or any negative banking experience. I get an unauthorized charge and this stink-hole of a bank sides with the scam and #$%%^ me! Needless to say. I am done with them. Accounts closed today and I am going to tell this story anywhere and everywhere I can! STAY AWAY FROM THIS PLACE UNLESS YOU WANT TO HAVE YOUR MONEY GIVEN AWAY BY THE THEM!!!!!!!
DO NOT OPEN AN ACCOUNT WITH THIS BANK UNLESS YOU ABSOLUTELY HAVE NO CHOICE!! All I know is that the customer service reps at the counters are more concerned about signing up people for new accounts and helping them who already have accounts. The whole process of opening the account seem to take it for long period of time. We got issue temporary cards that didn't work anywhere. Then we got our new cards. Every time I call into check something on my account it tell me my card was an active or that I needed to set a pin. I did this every time I got the card. Then they practice something the wife likes to call creative banking. They seem to apply pending charges in whatever time sequence they want. Will have paid for things days prior and they'll show up as pending charges still. Now we signed up with zelle to them and we have money sitting in our cell that shows his pending. Zelle is national banking association money transfer app that the banks themselves set up to do this so why is it if they sponsor this app themselves why can't I get the money deposited immediately. Also the debit cards themselves actually suck. Mine always says something's wrong with the chip. Same thing my wife goes through. there's so much I would definitely think twice before I sign up with this bank that's all I'm saying at this point I'm pretty sure the wife and I will be removing our direct deposits in our accounts from their Bank within the next week.
This bank is the absolute worst I've ever dealt with. It should be called First IN-convenience Bank, since it has very limited customer service hours, availability, and horrible wait times via phone (1.5 hr wait to report fraudulent activity on my acct?!). Plus UN-friendly, ancient website and policies. If you become victim to fraudulent charges - even if detected / reported same day - you are still held responsible for those charges. Why even put your money in their bank, when it's not kept safe and you have no protection? Not at all like other banks I've used who actually WANT your business... seriously, this is the last straw, I'm pulling the rest of my money out this week.