Virtual Bank

INCOMPETENT DISASTER: New First Horizons/Virtualbank.Com Web Portal And Enrollment.

Warning: First Horizons Bank acquired Iberia Bank and its VirtualBank.com...and made some changes on July 4-5, 2021:

> All existing online customers at this online bank must now have and use a smartphone to enroll and access their existing accounts at the new web portal and for text messages! Like never before.

> New online enrollment process is impossible: Says its sending verification email to your registered email address but never does. No error messages either. Instructions are just plain wrong and don't work.

> Nice CSRs say that ONLY by text messages (lots) to your smartphone can you enroll and access your existing account(s), statements, preferences, money, and ACH links at VB.

> If no smartphone, no access, ever! CSR suggested ACH pull by an external bank of entire balance to close VB account(s)! I.e. go away and stop trying. If no links there, no access to your money ever.

> No, they don't have and won't mail you a counter check or cashiers check. No checks period!

> No wires accepted or sent, either! No Money Orders, etc.

> No new accounts and no new customers either! After a month of trying, IT staff is swamped and cannot fix anything. CSR tries but cannot either.

> Last email I got, just before transition, was from nGageBanking(at)vtb.prod.com. Replies there and to customer.service(at)virtualbank.com go unanswered forever.

I once kept large amounts at VB, but got them out before this takeover...and see no reason to ever bring them back.

If you have VB accounts, lots of luck getting access to your money from these new clowns.