At one time bank gave personal service not anymore. Their one size fits all rules and regulations…read morehas removed the personal touch. Now it's just another bank.

DO NOT USE THIS BANK!! Their VP of the loan department Missy Coffman does not know the rules for…read moremortgages concerning a second house. After two long weeks with no information without prompting from me, she said that they could not do the loan. I have excellent credit and was co-signing for my son who is young and has marginal credit. Due to her slow actions I have missed out on getting the second home purchased and lost my $5000 earnest monies in the process. SHE IS ABSOLUTLY TERRIBLE!! Jennifer Maxwell was a much better loan provider. I will never use Red River Bank again.

I would've gave 0 stars if I could pick another institution that will be willing to help you with…read moreyour financial needs and/or choose a credit union where the staff is knowledgeable enough and eager to help you conquer your goals......This bank is horrible and the employees are judgmental......They will not help you they simply don't care

I've banked with Valex for 4-5 years now and problems didn't start until this year. The customer…read moreservice has seriously been lacking, and they've lost my trust with that and the inability to provide financial security. If you are considering banking with Valex, read the full review. 1. I purchased my first car with them, and after the time of purchase I moved and changed car insurance. I completed all necessary paperwork to have that information updated. I still received monthly statements just fine, but didn't know they didn't receive my updated car insurance. I received a final notice that they would be charging me an additional $1,000 for the insurance for the next year since they didn't have my updated insurance on file. This final notice was sent with an incorrect address from Valex, but corrected and delivered by my local USPS in Houston TX. I'd been updated my address with the main office so (1) this shouldn't have been sent incorrectly, (2) if they'd been sending mail to the incorrect address for months and getting those letters returned, wouldn't it make sense to double check their system within the main branch, or hello, simply call me and leave a message to verify? Not to them apparently. I caught them right before they were about to start wrongfully charging me, thankfully. 2. I was recently scammed using my Valex debit card at a gas station in the Conroe area. There were 4 charges at gas stations at various places around the Houston area that I don't live, work, or frequently travel to/use, increasing with each transaction over the span of 2 weeks totaling about $360. I don't check my account after each purchase (personal problem), and I don't think Valex has a feature for purchase notifications, so I had no idea until I'm purchasing lunch one afternoon. After I reviewed the transactions, I contacted Valex and immediately started their affidavit process for further review. As something like this has never happened to me before, I'm very concerned and want to know full details on what the process is, who to contact, etc. Every single time, I had to call them for updates or information, and they had nothing for me, not even financial compensation for my missing funds. The person who was supposedly handling this NEVER contacted me. Each time I called, I was provided with no information, just that she'll be in touch. The representatives who answer their main line, a Tina I believe, very rude and always responded as if I was being a bother, for wanting answers regarding my financial security. 3 weeks with no response went by. I finally called back and asked to speak with Mr. Chris, and magically they got their act together and put the missing funds back into my account. I still wanted to speak to Mr. Chris, about what in the world is going on and why I no longer see Valex financially fit or stable to continue doing business with them. 3. Valex does not allow purchases outside of the US, so if you travel internationally a lot or attempt to purchase something where the origin is foreign (unknown to you until you're attempting to make a purchase), it will not process, and you'll receive an automated phone call for verification. It asks you to verify the 3 most recent charges, but repeats 1 of the charges twice, so then you're not sure if there was a double charge attempt or if the automated verification system is off. The system is just off, but who wants to deal with uncertainty in that situation? On top of now having to find another way to pay for something. 4. Valex is not progressive with the way you can link your account with other monetary platforms like Cash App, Venmo, Zelle, etc, other ways outside of PayPal. How are they this ticky about certain purchases but don't raise a concern when there's repetitive gas charges of $70+ from gas stations on your account? Maybe they think because I'm not able to be there in person due to living in TX, that they can be lax and blow off my concerns. Not sure what the excuse for awful customer service is, but I'm done giving them the time of day to explain.