One star isn't a low enough rating for this bank. I have NO idea how this bank can be in business or have any customers. Where to start???
When you sit down to open an account with a bank they tell you a good story, but where do you go to get the other side?
They offer free checking, but read the fine print. It's only free if you maintain an average daily balance of $300 or more on your account, otherwise, you're going to get dinged to death every month with fees. They seem to have many other fees and fines that they apply liberally, as well, and refuse to negotiate with their customers on these.
They limit where you can use your accounts. I tried to make online charges to a web site called steam. For those not in the know, it's a very popular game site. The charges were declined twice. That's when I found out they'd classified this very popular site a risk and refused to allow any charges to be placed there. I called and asked how I could resolve this and a VERY rude phone rep. told me I could come in and fork over even more money to this "financial institution" by buying a VISA gift card.
On a Friday afternoon, before leaving town I'd considered making a purchase on my ipad at the online apple store. THANK GOD I'd waited until Monday to try it. Within 3 minutes of trying to make this charge, it was declined twice, I got a call from a security phone rep. He asked a few questions to verify then hung up. Later that night I tried to make a $10 charge for snacks at the Hy Vee this branch is located in and was declined. The security rep. didn't bother to clear the stop on the account and didn't bother to tell me about it. When I tried to call in and clear the account, I found that the only way to do this was to call in during their office hours 8am to 6pm weekdays. Had I tried to make the charge on Friday, my account would've been shutdown for the whole weekend with no way for me to clear it until Monday. I'd have been stranded out of town with no access to any of my own cash.
I've gotten the WORST customer service here. In my last two hour phone call the rep. spent much of the time yelling at me.
My list of grievances doesn't stop here either, but I've already taken too much of your time.
Thanks for your consideration, and in short, don't bank here unless you want the most frustrating experience of your life. read more