If your looking for the worst financial institution in the USA, congratulations you have found it…read more We have had a loan here fore a little over 5 years, and man, has it been a rocky 5 years. They require a membership with the loan that requires a savings account to avoid extra fees, which is total B.S. We were told that they didn't have auto drafting so we had to mail a check. All was well for about for about a year. Then they quit receiving payments by mail. So, then I get smart a start to send the payments by certified return receipt mail, just to make sure they receive them. Then all the sudden they start receiving them again on time. Then in another six months, they quit receiving the payments after signing for them. Of course, I get an excuse of we must have misplaced the check, then told to send another check, without a late fee being charged to the loan. So, I send another payment. After they sign for the new check they miraculously find the other one and deposit them on the same day, now I have a double payment taken out of my account. So, now I am on the phone again trying to get this straightened out with Oklahoma Financial & and having to cancel the double payment check from another financial institution that I wrote it from. All this time from year one, I try to see if auto payments are able to be set up yet, still the answer is no.. This goes on for the remainder of the loan. Here's the kicker, there is 2 months left on my loan, I am still dealing with these payment issues, I finally get a bank manager to talk to me, he states that he can set me up on auto draft, I asked "Oh, you finally got auto draft?" He states "We have always had it." Then he emails me the form. Lmfao right? Well after the loan is paid in full and closed he states that he would close the savings account and mail the check from that account. Did that happen? What do you think? NOPE! So, here I am again calling emailing and trying to get my money back. After over 2 months after I have my account paid in full and savings account charged monthly fee's, I am told the check is in the mail. Fingers crossed!!

I've been a customer here for a few years now. I decided to do RCB Bank after they got me a…read morefantastic interest rate on my house (4%) before all the economy stuff went down. Concerning this location, Bekah is very knowledgeable and helpful with my specific situation. She recognizes me when I come in, along with other employees of the bank. It's more personal than big city banks, and I like that.

Got my first car loan here and bank accounts. This is the area bank that will work with you no…read morematter who you are. Friendly and fair.

I've banked at PCB for about a decade now. I have multiple deposit accounts and mortgages with…read morethem. Even though I now live in Houston TX, I do as much of my banking business with Payne County Bank as possible. They are the only bank I have ever referred friends and family to and I wish they would open up a Texas division so I could move all my business to them. They are also 100% employee owned and that fact shows through in their customer service. Finally, you can buy real silver dollars from them at a reasonable price should you want to diversify some of your wealth out of fiat currency. You can Payne County Bank on PCB!

From the owner: Payne County Bank serves both consumers and businesses of all kinds with a full range of modern…read morebanking services. We offer many of the same services as the nationwide banks, but offer our customers something more--wholesome, personal service. We make an honest effort to know our customers by name, and to treat each of them like friends.