Sunflower Bank, N.A. is headquartered in DENVER and is the 3rd largest bank in the state of Colorado. It is also the 186th largest bank in the nation. It was established in 1892 and as of March of 2025, it had grown to 1,139 employees at 72 locations. Sunflower Bank, N.A. has an A health rating.
DO NOT BANK WITH SUNFLOWER BANK – Especially If You’Re A Small Business
DO NOT BANK WITH SUNFLOWER BANK – Especially if you’re a small business
I would give zero stars if I could. My experience with Sunflower Bank has been one of the most frustrating and disappointing customer service situations I’ve ever encountered.
Sunflower Bank forced me to close my accounts—not because I wanted to—but because they decided to terminate the relationship. Even after complying, they failed to close my accounts properly, which caused additional issues on my end.
After closure, I requested basic documents every customer has a legal right to:
• A confirmation of account closure
• My full transaction history (7 years)
• Overdraft and fee disclosures
• Copies of signed agreements
• A full breakdown of fees charged to my accounts
• My 2024 account statements
Not only did they fail to provide them, but they attempted to charge me over $1,300 just to access my own banking records.
I followed every step. I contacted their staff multiple times, including a branch VP, and I escalated to corporate. No one responded. No resolution. Just silence, avoidance, and excuses.
Eventually, I had no choice but to file official complaints with the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC)—which is currently investigating. Even under regulatory pressure, Sunflower Bank continues to stall and refuses to communicate transparently.
This is not just poor customer service—it’s a complete lack of ethics, accountability, and respect for customers.
If you’re a small business, or someone who needs a trustworthy financial institution: do not bank with Sunflower Bank. They do not care about your rights, your time, or your business.
I will continue to pursue this through all regulatory channels until Sunflower Bank does what is legally and ethically required.
Avoid Sunflower Bank: Unethical Practices, Gross Incompetence, And Regulatory Red Flags
If you value integrity, professionalism, or even basic banking competence, stay far away from Sunflower Bank. Our experience was riddled with negligence, mismanagement, and outright deception, all raising serious compliance concerns.
We’re a locally owned business and have been a loyal banking partner for 10+ years. That trust was shattered when Sunflower took over Pioneer, a local institution we had trusted for over a decade. What followed was a complete unraveling of service, ethics, and operational competence. Here’s a rundown of some of the most egregious interactions keeping in mind it only skims the surface of our experience.
Unauthorized Credit Inquiries: Clear FCRA Violation: Despite explicit written instructions not to pull credit, the bank fraudulently ran hard inquiries on both business partners. When confronted, the banker falsely claimed we had “verbally” authorized them. This is a blatant violation of the Fair Credit Reporting Act (FCRA) and a textbook case of unethical banking.
Mishandling of Sensitive Customer Data: GLBA Concerns: Our Social Security numbers and financial documents were sent via unsecured email, completely disregarding federal data protection laws (GLBA). Furthermore, the bank was unable to produce origination documents for either of our loans when requested. If this is how they handle confidential information, imagine what’s happening behind the scenes.
Obstruction and Stalling Tactics: From the start, Sunflower engaged in stonewalling, repeated document requests, and misinformation. They “lost” critical entity documents (after physically accepting them), failed to provide required loan paperwork, and moved the goalposts on lending requirements with zero transparency.
Total Systems Failure & Customer Service Breakdown
• Six weeks after signing account authorization forms, we still didn’t have online banking access.
• Six weeks after that, one of our partners still didn’t have the ability to administer any of our accounts (transfers, ACH payments and the like). At the end of our relationship audaciously charged us overdraft fees to finalize the closing of our accounts due to ACH payments we had no way to control.
• Local bank reps have no idea how their own online system works and phone support was similar.
• A business banker provided a non-functional phone number for contact. Enough said.
Evasive and Dishonest Leadership
Rather than addressing concerns professionally or even answering simple questions, the bank avoided written responses (likely to dodge a paper trail), resorted to gaslighting, and eventually went silent only to pop up again either after business hours or during the holidays. If you enjoy chasing your banker for weeks only to get vague, misleading, or false answers Sunflower is the place for you.
From clear FCRA and GLBA violations to total operational dysfunction, this institution feels more like a vengeful, bureaucratic black hole than a trusted financial partner. My guess is their internal SOP is to buy up local banks, scour the register for small businesses, string the accounts along until there is no time to act and call the loans due. They have the lawyers to back them up so why not go for the money grab, never mind your payroll!
DO NOT TRUST THEM with your business or personal banking. If you’ve experienced similar issues, I strongly recommend filing complaints with the CFPB, FDIC, and FTC.
IM CLOSING ALL OFMY ACCOUNTS WITH THEM!
IM CLOSING MY ACCOUNTS WITH THEM AS SOON AS I CAN! THEY ARE HORRIBLE! THEY MISINFORM THEIR CUSTOMERS JUST TO GET OVERDRAFT FEES! THEY HAD TO WAIVE SOME FRES BECAUSE OF THEIR MISTAKE! NOW IM GETTING OVERDRAFT FEES EVEN AFTER I MAKE A DEPOSIT! THEY HAVE HORRIBLE CUSTOMER SERVICE NOW! EVEN AT THE BANK IN LAWRENCE! I DON'T FEEL VALUED LIKE I USED TO AT ALL! IM CLOSING BOTH ACCOUNTS! IM HAVING MY HUSBAND CLOSE HIS AND MY DAUGHTER CLOSED HERS! I. TIRED OF BEING LIED TO! I TALKED TO A GIRL NAME EMILY TODAY AND SHE TALKED TO ME LIKE I WAS STUPID! IVE HAD THIS BANK FOR NEARLY 10 YEARS! THIS IS UNBELIEVABLE!
Do Not Bank Here!!!!
One of the worst banks there can be how can you take money out of someone's bank that links to another bank account that's not responsible for that person's account yes they are on each other bank account just in case of an emergency but they are not allowed to take money to add to each other or responsible to pay someone else bill. they are only allowed to add money and yall took a large amount of money from an account that is not responsible for that person's bank account yall are frauds!!!! if there was a zero-star button I would push it several times!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 4767 |
| Year Established | 1892 |
| Employees | 1139 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.24% |
| Return on Equity - YTD | 10.02% |
| Annual Interest Income | $110.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $8.2B$7.77B |
| Loans | Q1 2025vs Q1 2024 | $6.46B$6.26B |
| Deposits | Q1 2025vs Q1 2024 | $6.98B$6.55B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.03B$917.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $91.8MM$79.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $79.1MM$59.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $4.9MM$4.4MM |
