First Convenience Bank

I’ve been with this bank for 14 years. 1at Convenience used to be fantastic. They used to deposit before debit, free atm’s, and really took care of me. Niw, there are fees of $ 2.25 for balance inquiries, debit before deposit, and less customer service.
In a recent example of the diminishing qus lity of 1at Convenience, I had been on the phone, or at a branch, 5 times in 3 days, to handle some transfers, etc. When I go to pay my cc bill using my 1^st CB card, it declines. There is plenty of money, but it declines. When I call to find out why, they tell me that my card was compromised a week ago. Then they asked, «would you like us to notify you if this happens? «
Hell yes I want you to notify me!

It is unfortunate this «thug operation» is allowed to operate. However, if they can keep the likes of Chase, B of A, and Wells Fargo around then this one won’t go away either.
They care ‘nothing’ about customer retention even after banking with them more than 7 years. Having a stellar account with an impeccable reputation my account was hit w/​an unexpected debit from my new insurance company causing my acct to go negative.
After a lengthy discussion with this bank it appears they care nothing about the livelihoods of its customers and would ‘not’ credit those fees back (a total of $ 140 which seems to be their favorite number).
1^st Convenience (oxymoron) has definitely made it an easy choice to terminate business transactions with them. Their actions definitely put it on the line in terms of what’s really important to them. «It ain’t customers».

Seriously this bank is WORTHLESS. You can do BETTER! They don’t allow you to get an incoming wire. They charge for money orders. The ATM fee is $ 3.50 to withdraw. I needed to pay my utlity bill after I put money on my debit card and sure enough the money takes 24 hours but I would say wait 48 hours. So don’t think you can go and put money on your card at the Walmarts 1stcb THEN go buy something on your card to keep up with your money situation. That won’t happen. YOu need to wait I would say 48 hours before you can use it. So don’t have a TIRE emergency if you are low on funds. YOu might keep a 1,000 cushion on that account. Me personally I just thought that it was a worthless account and I opened up an account at a REAL bank. LOL they treat people like CROOKS too. I don’t like that negative feeling. BUT IF you are in a situation where you cannot find a bank and you need a bank account. Then you can use them but I think you would be better off with a NETSPEND CARD or something like that because it’s better. If you travel you can use netspend without them locking it up so much. but also there are a bunch of kids who work at these banks. I like to bank where people are at least 35, 40, 50. I like to deal with OLDER more EXPERIENCED people. I swear one day someone almost deleted my account on accident and they thought that was funny. I am so happy NOT to be banking there.
I finally ended up closing that account and opening up another account. Seriously, I do not recommend this bank at all because of the following reasons.
1. For those who need to deposit paychecks and/​or cash them. They don’t post the funds to your account right away. Take into consideration M-​F business hours. Allow 48 to 72 hours for it to post. I know they say the next day but you could end up with some bounced payments and fees. Money is not avail right away.
2. It’s a big deal just to get a money order. You can’t go there and buy a money order if you just got paid with check. You would need to wait until funds clear then go and get the money and then go up there get a money order. WORTHLESS seriously an issue.
3. If you needed a wire or to transfer funds to car payment or something like that online. FORGET about wires. They don’t allow them incoming nor outgoing.
4. If you needed to go on a vacation in England or someplace like Spain. You can forget ordering funds and it being there for you. YOu might as well use ATM but don’t use your 1stCB card because it might get locked over on your trip.
5. they charge far too much to use ATM machines while some banks don’t charge a fee.
6. They have far too many super young teens working there and they are sort of idiots. They don’t understand much, they can’t comprehend what you’re trying to say. It was irritating seriously. I rather deal with older people at banks who know and don’t lie. They are liars up there.
If you need a bank. I would suggest use direct Deposit. Go to anywhere but there.

I gave this bank 1 star because it’s the lowest mark I can give this thug operation. Banking with this bank is a lose lose situation, if you have an ocassional overdraft; whether they pay it or not. This month I had 2 small overdrafts totalling $ 17. My direct deposit is by weekly. My account was charged over $ 140 in overdraft fees! They did the same thing last month. I noticed that they had charged my account an additional $ 35 overdraft fee after a week with no activity on my account, so I contacted them and they reversed it. I checked my account online (the crappiest online banking site I ever saw) and they recharged the $ 35 to my account a week later! I did a wire-​transfer from my credit union account into my First Convenience checking account. I told the young lady who called my to inform me that my account was overdraft that I did like their «creative accounting» where they withhold deposits until their fees post to delibrately overdraft my account. She informed my that if I didn’t continue to use this rip-​off account for my day to day banking, that they would charge me an additional $ 14 a month fee.
Thinking about it, until I pay off my loan, that might not be too bad, seeing how much money they’ve been charging my account in overdrive fees. My advice: PROS — They’re a good bank if you got bad credit. They have several great programs to help re-​establish your credit. The CONS — they will pray on folks who overdraft their accounts, even if they overdraft your account with their fees. Be careful because they will hold posting your deposits/​withdrawals until their fees post, even if it’s 24 hours later than your transactions until their fees post, and ‘creatively’ overdraft your account forcing you to pay additional overdraft fees. They charge fees for every service on your account, even a $.50 charge for checking your balance by phone after 17 inquiries a month, they including a $ 35 overdraft fee if you don’t bring your account out of the negative in 7 days. They will hold your deposits until their fees post and charge you for their overdraft. They have one bank within 30 miles of my house and if I use another banks atm, they charge $ 2.10 per inquiry… If you need a bank account and other banks turn you down, open an account with them, they’ll take care of you, just be careful of being ‘nickle and dimed’ to death from here to high heaven and don’t depend on the daily balance of your account. It’s never accurate… I wonder if Kris T is a ringer?

Great service. Great hours. Great people. It only takes an initial $ 1.00 deposit to open an account and they don’t check credit or bank history. No monthly maintenance fees or minimum balances.
Hours
Open 7 Days a week
Monday — Saturday 9 – 7
Sunday 11 – 4