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    Regional Finance

    1.0 (1 review)
    Open 9:00 am - 6:00 pm

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    Happy State Bank - Happy State Bank Shield

    Happy State Bank

    (14 reviews)

    I have been a customer of Happy State Bank for at least 15 years. HSB was awesome before allowing…read moreitself to be bought out a few years ago by Centennial Bank. Recently, a number of fraudulent charges were attempted by someone in Washington. These charges were all listed the same way: TMobile EIP Payment" which tells me someone was trying to purchase a phone with my money. I got a text from Centennial alerting me of the fraud and provided me a phone number to call the Fraud Department to discuss. So, I called, the rep read off all of the suspected fraud charges, and I advised all of the suspected fraud charges were, in fact, fraudulent. I thought I was in the clear; however, the following day, my account was overdraft with one of the fraudulent charges in the amount of $920!! I went to a local branch, explained what happened, and was told the fraud investigation could take anywhere from 2 weeks to 60 days!! I asked if I would just remain negative until then. Yes was the answer! Also, the bank would review the overdraft, and they MIGHT refund the overdrafts. Mind you, the $920 the bank allowed through to my account was labeled the same as all of the others. A kindergarten child would have been able to understand this, but not Happy State! I was advised I had no further recourse, and my loyalty as a customer for so many years was completely disregarded. Happy State Bank and Centennial Bank DO NOT VALUE CUSTOMERS!! It eventually got worked out, but I'm now in the process of changing banks. Good luck to you if you choose this Bank because you will never matter to this bank!​​​

    So apparently Happy state bank is screwing it's customers by posting transactions the way they want…read moreto do it puts you in the negative rather than how the customers are making them. That's what happened to us. So instead of having two transactions in overdraft they made it where we had five. This should be considered theft. Not good for customers.

    Regional Finance - mortgagelenders - Updated September 2026

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