Open the account last a month ago because I receive a check on Saturday and a friend of mine told me they would make the funds available to me immediately. Everything was decent until March 13th of 2014. So at the sart of the day I had $679.39 in my account. I bought some concert tickets for $102.08 bringing me to $577.31. I had a credit card payment post of $450.00 bringing me to $127.31. This is where thing get hectic. I went to their ATM in Kroger and withdrew $80.00 for the concert, well aware of how much money was in the account. So now I should have $47.31 in my bank account. I go to the concert and make three transactions of 30.00, 34.00, and 25.00 in that order. I knew I was overdrafting but I figured it would only be for two transaction and most banks will forgive the first few fees.
Wrong.
They somehow did some banking gymanstics and charged me overdraft fees on my ATM withdrawal (WTH!!!) and all three transactions at the concert totaling to $140 in fees. I called and argued and manage to get a ""Floor Manager"" to refund me $70. Ok. I'll take the hit. But two days later on March 19th, the same day I had a deposit of $2,000, I'm charged an account negative balance fee of $35.00. I'm livid. They attempted to charge me $175.00 for just two overdrawn transactions. I called again. Got hung up on. Called again managed to get someone to ""make a deal"" and she refunded me half of fee. So in total. Those two overdraft transactions cost me $87.50 in 5 days.
Do not bank with them. They pick and choose when certain transactions hits your account, and it's always in their favor. I thought it would be nice to have a small bank because they will work with you and have nominal fees, but this is not the case. Banks are supposed to pay you (dividends) for you allowing them to hold your money so that they can lend it to others and charge them interest. But this bank does not follow that business model. I can't walk into a Kroger or Walmart without someone offering me a 1st Convience Bank Account. Because they prey on middle and low income individuals to make mistakes so they can charge them excessive fees. Closing my account asap. Don't fall for the same trick and think you can outsmart them. Get a bank you don't have to outsmart.
First-Convenience-Bank Reviews
Open the account last a month ago because I receive a check on Saturday and a friend of mine told me they would make the funds available to me immediately. Everything was decent until March 13th of 2014. So at the sart of the day I had $679.39 in my account. I bought some concert tickets for $102.08 bringing me to $577.31. I had a credit card payment post of $450.00 bringing me to $127.31. This is where thing get hectic. I went to their ATM in Kroger and withdrew $80.00 for the concert, well aware of how much money was in the account. So now I should have $47.31 in my bank account. I go to the concert and make three transactions of 30.00, 34.00, and 25.00 in that order. I knew I was overdrafting but I figured it would only be for two transaction and most banks will forgive the first few fees.
Wrong.
They somehow did some banking gymanstics and charged me overdraft fees on my ATM withdrawal (WTH!!!) and all three transactions at the concert totaling to $140 in fees. I called and argued and manage to get a ""Floor Manager"" to refund me $70. Ok. I'll take the hit. But two days later on March 19th, the same day I had a deposit of $2,000, I'm charged an account negative balance fee of $35.00. I'm livid. They attempted to charge me $175.00 for just two overdrawn transactions. I called again. Got hung up on. Called again managed to get someone to ""make a deal"" and she refunded me half of fee. So in total. Those two overdraft transactions cost me $87.50 in 5 days.
Do not bank with them. They pick and choose when certain transactions hits your account, and it's always in their favor. I thought it would be nice to have a small bank because they will work with you and have nominal fees, but this is not the case. Banks are supposed to pay you (dividends) for you allowing them to hold your money so that they can lend it to others and charge them interest. But this bank does not follow that business model. I can't walk into a Kroger or Walmart without someone offering me a 1st Convience Bank Account. Because they prey on middle and low income individuals to make mistakes so they can charge them excessive fees. Closing my account asap. Don't fall for the same trick and think you can outsmart them. Get a bank you don't have to outsmart.