First Convenience Bank [FCB]
Reviews and Complaints

multiple over draft charges... when something is in pending transactions and you don't have enough in your account the overdraft applies to each transaction in your pending even if you have enough to cover the ones in pending that were there before you actually overdrafted...so you get charged for each individual transaction on overdraft even if it is $1.00...and then when they post your transactions to your account you get charged again for the same ones you were already charged for in pending...so you get double charged... and when you call customer service they will tell you that this is legitamit...

this bank closed my account and husbands, then took my husbands money to pay for fee over a week ago, then when my direct deposit wasnt cancelled due to corporate rules my company does the direct deposit to the closed account. 1stcb decides to reopen my account to allow the money to come through, WHAT THE HELL IS THAT!
1 1/2 weeks ago i had four negative charges and they hit me 6 overdraft charges.
over month ago my husband deposited money so i figured ihave money in the bank i can use this and he deposits more money two days later so i use it then i m charged with 4 overdraft charges.
what is wrong with this bank I NEED HELP!
I GOT SCREEN SHOTS AND BANK STATEMENTS

On Monday November 19th 2012 I deposited a check into my account at First Convenience Bank, a division of First National Bank Texas. I called First Convenience Bank and spoke with a customer service supervisor by the name of Else who told me that the funds where placed are hold by the loss prevention department for reasons she was not allowed to share with me, the account holder. I was also told to call Else back before 4pm on that day (Nov. 23rd 2012) to check for any new information. I called First Convenience Bank at 340pm on that same day, Friday (Nov. 23rd 2012). I was told Else was unavailable and was transferred to another customer service supervisor who's name I do not have recorded. I was told that the issue with the check was due to the loss prevention department not being able to contact the issuing company for verification. I asked why the loss prevention office could make a telephone call to company and ask them for whatever information was needed for the verification of the account and was told that she (the customer service supervisor) was unable to answer that question as the everyone was gone for the weekend.

I called First Convenience Bank at 830am on Monday (Nov. 26 2012) and spoke with a customer service supervisor by the name of Misty. I ask Misty to contact the loss prevention department and to ask that they contact the company who check for verification of the account, after be placed on hold Misty returned and then stated that they had spoke with "someone" at the issuing company and was told that person could not verify the account on which the check was drawn and that First Convenience Bank would continue to refuse access to these funds. I contacted the manager of the Accounts Payable department at the company who issued the check and was told that no one from First Convenience Bank had contacted his department. The Accounts Payable manager also verified that the funds for the check where release from the companies account on Friday (Nov. 23rd 2012). It has now been ten business days I have still have no access to these funds and no attempt has been made to contact me by First Convenience Bank.

I opened an account with this bank in an Arizona walmart and thought it was convenient! I read all the fine print and knew about the 90 days of keeping the account open or they charge 25.00 to close it. I kept this account open for over 90 days and moved out of state for a job. There is no first bank in wisconsin where I moved to so I closed the account over the phone and the customer service rep said that was ok and would send my balance left over in the mail to me.A few months after closing the account I started getting phone calls all hours of the day and NIGHT! They claim I have a negative balance of 58.00 and I just about went through the roof, I told them time after time that it was closed months ago but they had no record and the after getting no help and being on hold for thirty minutes I gave up. The next night at 10:30pm I get another call saying I owe them over 100+ for overdraft. They wont let me close the account for the SECOND time because they say I owe them money and until I pay they cant close the account! Now they say I owe them several hundred dollars when they owe me money! By far the worst experience I ever had with any business! CROOKS! They should be wearing masks! I never heard of a bank robbing customers!

My account got charged twice for the same bill, I was paying online. I went to my bank and they said it was the companies fault. One charge was in pending then it was taking out of my account the next morning, but I got charged overdraft charges of 34.00, and then they charged my account another overdraft charge of 105.00. I went to the bank to dispute the charges and they said they could not do anything about it. I had to get in touch with the company that charged my account twice. But according to the company only 1 pymt was taken out of my account so I went back to the bank and by this time I had more account overdraft fees added to my account. In amounts of 2.49 X's 9 days. No one would reimburse me for these charges and the bank said that they could not do anything about it. I will be closing my account and going back to BOA at least they listen to the customer and get to the bottom of a problem with the account. If they won't fix this I hate to see if someone had ID Theft

I had been banking with this institution for more than 6 months. During this time I had two overdrafts. One of the overdrafts was because I was doubled dipped by an automatic withdrawal.
I went to open a savings account on 3/22/12. No problems, the people at the branch were nice when they took my two checks @ $2, 500 apiece. I went the following Monday to transfer $500 into my checking and was told my account was on hold. I asked why, and they stated because I had 6 or more overdrafts. I told them to check my account and they verified that was false. The Assistant Manager than stated she didn't know why and said I needed to call their headquarters in Kileen.
Red flags were flying. Why hold checks on a savings account? I can understand checking maybe, but not savings,
I called four times. The first three times they disconnected me. The fourth time...Jason the customer service rep would not let me talk to the Loss Prevention Dept. nor his Supervisor. I couldn't talk to anyone but Jason who told me they were abiding by Federal Law and that's just the way it is. This also caused red flags to fly.
I then received a letter stating that because they don't believe the checks are good and that I had repeatedly overdrafted my account, the checks would be on hold for 7 business days.
I had deposited checks from my father before. Red flags again. The called my 81 year old father and interrogated him, scaring him to death. Both checks cleared in 3 days yet they are holding them for a total of 12 days making daily interest.
What is happening after reading all the other complaints is clear to see.
They are taking advantage of their customers because they know the customers don't have the monetary means to fight.
This wrong needs to be righted. They are the pink slime of the banking industry. Please, I am all in for doing a class action lawsuit to expose these con artist. That's my opinion.
You can contact me at [protected]@gmail.com.

PLEASE beaware of this bank. DONOT do banking with this bank. they are gona rob you with their overdraft charges and they give you the wrong information every time. they are very very slow and their transactions take 2-3 days to go through.

I was buying some medicen at cvs when my card was decling and I knew for a fact that I had money in my account. I called customer service they said I need to go to one of their branches so I did and I was negative 1800.00 dollars. I disputed charges that weren't mine but I was denied because I never reported my card stolen. I had explained to them my card was never stolen its been with me. The another person using my card number was doing transaction at the same time I was and I was at huntsville for that weekend and I used it to pay gas and hotel. While the another person used it 15min difference in mesquite. How could I drive from huntsville to mesquite in 15min. Now I receiving call from them to pay that money which I not going to.

I was a First Convenience Bank member until today. I dont have the greatest credit around so I figured a bank who will give me an account great. Started direct deposit an everything was going great until to day 4-16-10. I knew I might have some overdraft fees from previous transactions made earlier in the week. but not 387.00 in overages. That was my whole pay check. But when I went to the ATM on 4-15-10. It said I had money in the account. But what made me overdraft was checking the ATM it told me I had 127.00 left in the account this was prior to this week. So I thought I had money to use on a side job when I didnt. I wonder what is up with not holding the funds that were charged as credit. Any other bank would do that oh no not them they set u up for failure to overdraft. No warning or nothing. So here I am with no money to pay for insurance on mine an my wifes cars, no money for food for our son or us, an no money for gas for us to make it to work to get another paycheck. In my opinion this bank needs to be closed down an rebuilt from the ground up. They need to start taking a look at there customer satisfaction. Which is very poor. Thank You First Convenience Bank you opened my eyes to how low of a bank u really are!
To the check list at the end all of the above.

I have opened up an account and I have friends told me about this bank that they ripped their customers off from their customers. They can't take care their customer very will. For an example once you deposit a check they hold that check for 4 to 5 days then they decided to deposit and post it to your account. On the day of 11/23/2010 I have closed my account and I saw the teller wrote the date and enter it in the computer. Then three or four days later they still haven't actually closed my account. So I would like to tell you if you want to find a bank I would not recommened this to anyone.

I just recently opened another small business and decided to use 1st Convenience bank since it was located in my local Kroger's Store and they had extended hours. I should have followed my gut instinct to quickly run away when the so called "branch manager" began arguing with me about my business structure. She insisted that business was a Limited Liability Corporation - while I stood there informing her that I had started a Single Member Limited Liability Company, which for tax purposes would be treated as a sole proprietorship. She demanded a DBA - which I didn't have or need, because I do business under the exact same legal name. **For credibility purposes I should mention that - I am graduate student in business (also a bachelor of business) and currently in the process of getting earning my CPA.

No sooner that I had moved past the incompetence of the banks employees - 1st Convenience bank service amazingly got worse. I began setting up my direct deposit, PayPal, Google checkout, shipping and other office supply store accounts - when I realized 1st convenience charged me a $2.00 "POS Denial Fee" per entry - for the verifying deposits and/or setup authorization charges ( which are temporary). I should also add that I made a deposit on January 18, 2011 before noon that as of now (Jan 28 3:18pm CST) still hasn’t been deposited. I called customer service and the young man I talked to couldn’t give a flip about the unfairness of the situation. Right now – I am thinking that enough is enough and I will NEVER EVER EVER EVER do business with 1st convenience bank again – even though I am stuck with them for the next 60 days because I refuse to pay the penalty of $25.00 to close my account. I have started a new commercial account in the same bank as my other business and will not l use the First Convenience account and have every intention on closing it on day 91.
Also, I should probably mention that after providing all my business formation documents to the bank – and I watched them make copies of everything – on another visit they could not locate any of the information I had given them. I sat there and watched the workers scramble around for about 15 minutes looking for it. I wondered and started to ask if maybe someone had taken it home with them. That is SCARY. I may be a small business, but will not accept being treated this way by any bank ever. Please be warned – I wish I would have read this before going there.

I was with this bank for over 5 years with no problems at all. Until 05/21/11, i checked my online statement and the bank allowed someone to overdraw my account by $1152.00.. I called the 800# and spoke to a rep and she advised since the charges were pending that the only way I could dispute this was to allow the transactions to post and then file a claim. I requested to speak to an supervisor and I still didn't get anywhere. I explained to the supervisor that this is no way to treat your customers if they are calling to inform you of fradulent charges before they happen and the response was the card that was suppose to have been cancelled at the branch was not cancelled and the card is still showing open and active, even though they issued me another card in the year of 2010. This has been a true nightmare I felt I should have been treated with more courtesy then what I received from a manager since I was an customer with them for so long with no overdrawn issues before. Please reconsider if you are thinking about banking with First Convenience Bank.

Looking at previous reviews, there isn’t much more that can be said about this bank, but here you go.

My daughter inadvertently over drafted. Within 2 days, the OD charges had run up to $300+. We went down and took care of the charges, as well as closing the account. They tried to get her to leave the account open with a dollar in it. (I'm sure this was so they could find other charges to collect)

We refused and closed the account. 5 days later, a netflix $9.00 charge came in, which sent the already closed account into OD again? At this point, they started adding up daily charges for OD. They kept doing this for 2 months, without any contact. At this point, they sent to collections and are calling her 5+ times a day.

She is a struggling single mother, trying to make ends meet. I could help out and pay these fees again, but whats to say that this wont happen again as the account was already closed.

I put some of the blame for how this bank is preying on people who are having difficulties, on Walmart, as Walmart must know of their business practices, and lets them prey on their customers.

Start taking your complaints to the grocery stores who are hosting these banks.

Well I am taking a stand against the bank, send any and all information about how the bank has treated/wronged you, if you would like to help then please contact:
David Espinosa, Legislative aide to:
Roberto R. Alonzo
district 104
The Texas House of Representatives
Phone: [protected]
Fax: [protected]
email: david.[protected]@house.state.tx.us
Address: 400 S. Zang Blvd
Suite 801
Dallas, Tx 75208
We cannot allow this to continue!

The bank put 7 dollars in my account for a referral and I took that card to the store and the man behind the counter did everything with the card and some one from the bank called me and asked about some denial fees and I explained to her and she said she was going to clear my balance! Friday july 23 I checked my balance and it said - 45. 97 and today july 27 my account says - 200. 00 dollars and ive only had this account for 2 and a half months and im not paying this ridiculous bill nor am I banking with them anymore so I want my account closed and I dont want this bs on my credit! You need to fix this!

This is the worst bank ever! The overdraft fees are utterly ridiculous. Not only do they charge you for overdraft fees on pending transactions but they turn around and charge you overdraft fees when those same transactions clear too! I've literally called 12 times to speak to the branch manager and keep getting transferred to the main swtch board. If you actually want to talk to someone, they charge you $3 which they will overdraft on. I can't wait to cancel my account... Which they will charge you $25 for if it's been less than 90 days since you opened your account... What a crock!

I deposited a check at the bank and they said a third party contacted them and said the check might not be good so they held the funds...but they said that due to confidentiality they couldn't disclose who the third party is and to contact the bank issuer...Can you help me find out who is this third party hiding behind the scene in my bank deposits?