Woodforest National Bank
Reviews and Complaints

i have the same issue. also, they dont' take a financial hit. they don't express mail it for free, of course. the charge is 55 dollars. i think the american banking system right now is rather primitive. they don't have much options and sensitive mail like debit or credit cards should have tracking. it is pathetic.

here is the stupid kicker. they send out debit cards with pin numbers first class but they won't send it out express mail which even has better security or tracking even when you pay for it to a home residence. they only send it to the branch. what backward totally illogical idiocy. i swear, who makes these idiotic rules?

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ok to the person above me, have u never made a spelling mistake while typing? I really don't think u should be commenting on spelling. You aren't perfect so sit down and shut up! I personally signed up with Woodforest last week and so far everything seems fine. Just waiting to get my debit cards in the mail. The lady did tell us that we would only be charged an annual fee for one card but we have been charged for both. No biggy because I need this account regardless. It would be way more expensive if it were a credit card!

Is there really such a word as "tanken". Ive noticed that most of these complaints are from people who can't even spell or form a simple sentence. Nice.

I do agree that Woodforest Bank is a joke. I also had a bad experience with this so call bank. I had to stand in line for about 45 minutes to deposit money in my own account just to later find out that my deposit was posted to the wrong account. The management there is very unknowlegeable about customer service and banking procedures. The manager appear to think that everything was funny and tried to be humorous about the situation. I was outraged!

Walmart does not own this bank. That bank is like McDonald's - a private vendor inside a public building. You shouldn't get angry because Walmart won't take their checks. You should also understand that it takes time to send things via mail these days and it can take up to 72 hours to "express mail" a debit card and that doesn't even include the financial hit that that bank took so you could get your debit card that fast.

I am sorry to say, but I feel that you peoples know that these $5.oo aday is too much especially for disable peoples that is on montly income, I realize that we have to pay the insuffient charge, whuch is $34.00 for a charge but how can you pay $5.00 aday when you only get paid once a month, just this month 03-03-2010. I had three withdrawal fron unidentified companys that I had know way of even knowing these people, and they drew three different withdrawal on my account with out my permission and without my knowledge. causing me a tripple charge on my account, plus these $5.00 charges, that I should not be liable for, because, they was not all returned. and refunded. one check was for 19.95+34.00 another was $49.95 +34.00 and another $23.96 +34.00 a total of $205.86. plus these $5.00 was still being charged.I had a 90.00 and a 10.00 check in plus two 34.00 charges making a total of $168.00 I deposit $174. on the 03-03-10.on the 03-03-10 a $105.25 came in. making a total of $139.25.only after 03-11-2010, when the $5.00 aday should have started there is know way that I owe for 38 days. as your clerk stated.I made a deposit on the 03-03-10 and there is not 38 days in a month/ so I know some of these refunds was not refunded and somebody did not turned in those rebuttles and give me credit for them. this is my complaint, you peoples know that this is wronge, but I will leave this with you [God is not sleep he knows, and he sees. your family or home just maybe next. God Bless you:Missionary Dorothy M. Garrett
Center, TX Woodforest national Bank Wal/Mart

Our bank is 1st Convience Bank in Texas and they charge 34.95 for OD fee plus $2.50 a day for every day you are od after 5 days.

To be honest look around at other banks for their overdraft fees. Woodforrest is actually nicer than most. I had an account through another magor bank (Busey) and they charged $38.00 for an overdraft and $8.00 a day continual overdraft after the 1st day of overdraft. There fees are outlined on the initial paperwork and even if a charge has not gone through thats 3 weeks old that's not there fault and you should be keeping track of how much you take out of your account...to make sure that your not a victim of any identity theft or fruad. Or overdraft your account. It's not the banks fualt for how long it takes for a withdrawl to go through your account. I was an order processor and can tell you most company's do a pre-auth to make sure the funds are there and then they settle their accounts. If your ordering something that has to be sent it should take longer for the charge to go through becuase they shouldn't do the full charge until the item manifests for shipping. Then the charge would be submited that night. These are all things to be taken into account when banking. Choose a bank with diffrent fee rates and dates or one where your savings is an auto back up. But you signed the paperwork when you opened the account.

I am a former police officer in Texas who was seriously injured in the line of duty and was totally disabled for several years. I was finally able to get back to a job and start getting on my feet after relocating from Dallas to East Texas. I opened a checking account at a WoodForest Bank inside the Wal-Mart in Canton, Texas and recieved a MasterCard Debit Card with my account. I used this card a few times and thought I'd found a conveinent bank to help rebuild my life. I had to have a lab test done at a local emergency room and paid my $20 copay with my debit and had plenty of money left I thought. I went to deposit a check in the lobby a few weeks later and was told my check would be held and that I had $136. in overdraft and daily $5. fees because my debit from the ER was $1. over the balance, apparently because a previous debit hadn't been processessed for a couple of weeks and it gave a a false balance for a while. I couldn't believe the exorbitant fee's this bank charged and continues to charge daily. They refused to credit my account and insist they mailed notices which I have yet to recieve. When I asked the main office if they had any way of verifying the notices were mailed they informed me that they could not, that it was suppose to be an automatic mail generatied from a seperate office in another state. I'm a licensed, armed peace officer and would think they'd appreciate my presence in their banks a liitle more. I am in the process of filing a court action in local court of jurisidiction in hopes of getting a temporary restraining order to stop the fees and have the people I've spoken with subpoenaed to prove that I was notified. Since my story was a big event in Dallas when I was injured the Dallas papers and tv did stories and reporters I know are in the process of helping me find local television and news sources who may want to do a human interest story regarding the numerous complaints and unfair fees charged by this bank. I encourage anyone who has been wronged by this bank to do the same, including taking legal action. If a lawyer can not be found I suggest you file in local JP court for a restraining order to stop the fees and force the bank to pay for their employees and lawyers to answer in court, and more than likely have these fees reversed and damages paid to you in compensation. They do not count on the general public to do this. Bad publicity and court fees are something that will not go unaddressed by the banking industry. Understand that the burdon of proof in civil court is much more laxed than in a criminal proceeding. In a civil proceeding all you have to do is present enough evidence in court to tilt an imaginary scale of justice in your favor even 1%. Imagine two balanced scales and one has 49% of weight in evidence and the other 51%. The 51% tilts the scales and thats who wins. Evidence is anything presented before the court with relevance to the case. Document everything; list converstaions, names, dates and times, fees, statements, witnesses, hardships caused by their actions...its all evidence. Chances are they won't bother and you'll when by default and they may even be arrogant enough to ignore the court decision and fail to obey the court orders which will open the door for you to file additional actions and win higher damages from future litigation. If you have toplay their greedy game play it at a good ballpark, a court of law.

I too became OD by my own fault but they have charged me with so many fees I will never see daylight again. Can they do this? They call several times a day. I am afaraid to call them back they will charge me. What can be done? I am afraid of my own bank.

I agree. On 12/31/08, we had an authorized withdrawal from our account for "early cancellation" of a cable service. We cancelled it because of going down to one income and cable is a luxury. ANYWAY, $843 was taken out of the account. On 12/31/08, I was up at the bank explaining the situation. The branch manager said to take out the rest of the money, open a 2nd account and that the "pending" transaction of $843 would not be approved but we would still have to pay the $32 OD fee. I was cool with that. So we opened the 2nd account and the $843 DID go through. So now, the 1st account is negative $855 since we left $20 in there to keep it open and we can not use our 2nd account (that the branch manager suggested we do) because any money that goes into that account will be pulled over into the 1st account. On January 15th, we started getting hit with the $3 a day OD fee, then on February 1st, $5 a day OD fee. By the time our tax refund hit (as of today, 3/7/09, we still haven't seen the cable refund check) the 2nd account, $1, 157.36 was taken out of the 2nd account and put in the 1st account. I called the branch manager and she told me that she could "only" help me with $189.00 in reimbursement of all the fees that they charged me with. So in the end, I ate $125.36 worth of fees. I guess they feel that the only way THEY can stay in business during these hard economic times is to jerk around the little guy. It was all my mistake though. I was just going by what the branch manager was telling me to do. She's the experienced financial person in this situation. Right?

If people would just keep track of their accounts there would be no way for it to reach that high of a figure...

Most banks won't even give you the courtesy of going over disclosures with you!

And fyi: Services fees NEVER will have an NSF or OD fee attached to them. You have to have done something else with your account to go negative.

You know employees should point out the disclosures in great detail to customers but they rarely do. Try printing the disclosures in larger text and making that the selling point for your bank instead of trying to sneak them past a new customer. The next time u get stopped by a police officer and get a ticket friend, don't complain to me either. You should of known better bud. Have a nice day.

As of recently, it's not the branch's decision to discontinue a particular product that is only offered to a select number of overdrawn accounts which they feel they can provide support for. The corporate office discontinued the program - don't blame the bank (the branches and employees received no notice that it was to be discontinued on January 1, 2009). Also, in that program, there are minimums because the company doesn't allow you to enroll in this program unless you are really overdrawn so, consider it a compliment that they wanted to work with you and not let the collections agency call you daily. Also, walking into a bank and saying that you refuse to pay more than a certain amount of money is a GREAT way for them to not help you; banks are not rigid unless you give them a reason to be rigid. I work for a bank and customers that come in with an attitude get no help while those who come in calm and prepared get all the help they need. Both of you should really read the disclosures given to you when you open the account because they outline the fees and when you sign the signature card, whether you've read the disclosures or not, you signed for the fees (SAME AT ANY BANK!).

In a nutshell, you signed for the fees, you agreed to them, then you racked them up. You overdrafted and you should pay for that because YOU SIGNED FOR IT. Carry a check register and balance your checkbook correctly and then a bank might help you IF you don't know what you're doing.

They have done the same thing to me! Mind you, this was not a check I wrote, but an automatic debit that could have been refused. Oh, and you are have to love this! I was told when I opened the account that if it was ever overdrawn just come in and they would work out a repayment agreement. So I did. I was told that the amount I was overdrawn was too little. The minimum repayment amount was $50.00 per month and I would have it repaid too quickly! I am not kidding! Later I went to the bank, now with twice the balance due, the branch manager told me that Yes that is the policy. So I asked if they had racked up enough in fees for me to qualify for the repayment plan now. He told me "Sorry, the repayment plan is no longer available due to tax season! Since people will now have money, there were not offering the repayment plan anymore!" I cannot close the account! They continue to charge me $3 per day and there is nothing I can do about it. I am an unemployed single mother. There is no way I am taking out $400 to repay a $130 charge. Any red cent I would give them comes out of my son's mouth. I will never repay anything more than $160 and they refuse to accept that. But prior to my leaving the branch, the manager assured me they would be there for me should I need them in the future! I could get better rates from a loan shark! No kidding!

Really? because BB&T is worse about overdraft fees.

I have had terrible experience with the b)*%&^% before closing my account. They really are the ### of the earth, tr

I am a merchant and Woodforest solicited my credit card processing account. The service was less than I had with previous processors and when they did a poor job of returning my calls. When I called to cancel my account I was informed there is a $495 early termination fee. Since I mentioned I had another processing account they informed me that I had no choice, I was in breach of the contract I had with them and my account would be closed and they would bill my checking account (with another bank, there are no Woodforest banks in my state) the $495. I checked my contract and the fee was NOT in my contract. I closed my checking account to prevent them from billing the $495. I've faxed my copy of the contract to my attorney and we will see where it goes from here.

Reading the complaints (all over the internet) concerning Woodforest bank, I see many of them are in Walmart stores in Texas. Why not organize a campaign calling Walmart complaining about Woodforest? Perhaps even getting disgruntled Woodforest customers along with their friends and families to boycott or picket in front of the Walmart stores where these banks are located. This isn't about the economic impact from the individuals involved in the boycott/picket. It's about getting the publicity! That's what will bring about change. They don't want their image tarnished on the 6:00 news.

i recently lost my job with wnb, and hate them right now but i have to back them against this claim...hey dum dum--you get c harged $25 if you close your account before it has been open for 6 months...thats it, where ever you got your information it was wrong. contact customer care they will correct you on the fees that are assessed.

Wrong answer. Another loser who is just posting crap they cant back up. Fail.

what kind of account are you talking about? was it a C>D> they don't do that for checking or savings accounts...

what?

Are you sure you have the right bank? I've never heard of them doing that...

This person is not a thief. According to the terms offered by the bank, the customer can simply pay an overdraft fee to overdraw their account. Banks do this as a way of making a sizeable amount of money and no bank is going to eliminate this benefit. If it were theft, this person would have been charged already.

Because banks make so much money from overdrafts, the federal government passed legislation requiring banks to obtain written authorization from customers before they can offer their fee-based overdraft services. It's now the law that you have to approve this account "feature". One of my bank accounts has sent me 4 letters asking me to authorize overdraft and even suggested not having that "protection" could leave me stranded. I opted not to do overdraft, because lets face it, $30+ is a lot of money to pay because I might not keep records.

I will add that a friend's kid had almost 30 overdrafts on his account in one month. His foolishness cost him $1050 - seriously, do you think a bank would walk away from that kind of money for processing a few charges for a soda and chips, a tank of gas, or whatever. The bank in this scenario was happy to collect, was clear the account needed to be brought current, and made better money that they would have made from an investment of the same amounts as the overdrawn charges.

So - that said, Banks are not your friend - don't ever believe that. They take you money, they make money from your money, and while they offer a safe place for you to keep your money, in the case of Woodforest, some are paying a monthly fee for the service - not something a friend would do, absolutely not a friend. Overdraft may have saved this woman and her family when they needed it most, but Woodforest, they were only too happy to make money from her pain and suffering, and no Vice President is going to take away this anguish. FYI.. Humble Texas, put some money back for a rainy day (or a disaster), and next time, don't count on overdrafts to pay the way. You knew when you made the charges that Woodforest was going to stick it to you and you accepted every time you used your card.

I agree that you are the thief, and I am surprised that you haven't been arrested for theft and fraud. You took the money and should be made to pay for it. Just because checks have not cleared does not mean the money you took was ok. When those checks cleared, and you didn't have any money in your account, you will get busted twice, from the business you wrote the check to, but also from the bank again. You are not the sole supporter if your husband is getting social security, if he is not getting it, that means he is capable of doing work. Think before you leap, if you cannot balance your checkbook, then you should get help. No sympathy here. Don't blame the bank for your mistakes.

Woodforest is a very good bank. Its already been pointed out by others that you wrote checks when you knew funds were unavailable in your accout. Expecting the fees to bewaived is tantamount to expecting the bank to give you an interest free loan withoutapplying for a loan. You are a victim of your own misdeeds. An if you can afford a generator and $30-60.00 a day to run it, you can afford to feed your kids.

As others have stated YOU messed up. ATM withdrawals are made by you...same as Debit card items. Did YOU go to the bank and ask for help with the charges? Did YOU stop using your ATM/Debit card? Most banks will work with a person, but ONLY if that person goes in and talks to someone so an agreement can be reached.

Sorry lady. YOU wrote out checks -had debit card transactions pending- and THEN used the money during the FLOAT time... REGARDLESS of the circumstances; it's YOUR responsibility. YOURS. Hardships hit EVERYONE, I have lost my power MANY TIMES. I have been snowed in. Snowed in without food, any comfort -any luxuries OR even water to shower: I dealt with it. Does anyone, ANYONE, the bank 0r my neighbor taxpayer OWE ME? Um, NO. I am an ADULT. I make my own way. You blew your freakin' money, however you justified it and did it, you used money already committed. Not to mention the hurricane warnings are plentiful: You also knew that it was on the way and you COULD have left the area. Sorry lady: You scammed and YOU lost.

I'm sorry about your personal problems. However, you must be one of those people who think that because you have checks in your checkbook, you can continue to write checks. You are at fault. As a matter of fact, you violated the law by continuing to take money that wasn't yours.

You admited that you were taking money from the bank when you didnt have any, the theif is you. Now the smart thing would have been to w/d the money that your overdraft limit would have let you and ONE amount so that way you only get ONE overdraft fee instead of 12. My teller advise me to do that now they were open for you to make that withdraw and they did help people with fees. Oh and another thing the bank is not responsible for balancing your check book thats your their job is to provide an institution to allow you to make transaction and which they did...hence the gas you were able to purchase.

The first question that should be asked, Do YOU keep a check register and do YOU balance your account every month? Next question, did YOU set up "preauthorized" debits to your account. (electric bill, insurance payments, etc.) Did YOU write the checks? Each item can be presented at least 3 times and if your account doesn't have the funds, the item will be returned NSF plus your account will be charged a NSF (non-sufficient) fee; you can also incur a fee from whomever presented the item. All fees are disclosed at the time you open your account...YOU have to read through the fee schedule, YOU are to ask at that time, any questions you may have. Yes, you can dispute the items on your account but, FIRST you need to go to whomever is trying to debit your account, reason being 9 times out of 10 YOU authorized each and every transaction. Before you go on a whinning spree, take a good look in the mirror and ask, "DID I cause this probelm?"

How is the bank suppose to know you aren't trying to pull the money out? That's not their job.
Go to the bank and ask for the copy of the transaction.

Go into the bank and request a copy of the transaction. They can provide you with a withdrawal slip or copy of the check, or show it to you on the computer screen. If that doesn't work, ask them to pull the cameras for the day and time the transaction occured. They can do that. Also, you can file a formal dispute. Go into the branch and tell them you want to dispute the transactions. If all that fails, call customer care. [protected]. Also, you can go to a different branch to fill out a dispute if the one you're going to is being difficult, which they shouldn't be, and if they are you need to report this to customer care as well. There are things any teller or manager can do to help you if your complaint is legitimate. Have you filed a formal complaint? Have you spoken with a manager? Good luck :)

Woodforest has been doing nothing but making this whole process a hassle and a stressful situation.

The irs sent an deposit to my account for 48 thousand they let us spend it down to 18 thousand now there holding it and won’t even talk to me.

Can get my money back in a timely manner I have been doing more work than them don't take problems seriously.

They charged me 17.71 cents to get out a 100 out of my accounts from speedway gas station wtf are you serious I want my money back or I’m closing my account!

Opened an account at the end of January and 5 days later on the first of February they take $20 for a monthly maintenance fee! Why?! What maintenace did they do in 5 days! That's insane! :(

Canceled an order from Macy's 12th December men's wedding band item #[protected] how long does a refund takes before it's shown in your account

I on my card on in October the 11th I've called multiple times to customer service to try to find out the status they referred told me to go to my Branch I went to my Branch they said they can't help me and this is about $1,800 worth of charges my bank is now now negative because of this and no one seems to be able to tell me anything

On the 22nd of July I was declined 4 transactions from treasure bay casino resort.in the amount of 428.00.321.00,428.00 and 53.00. on the 23rd of July the founds we're tooken out of my account leaving a a overdraft fee of 569.00. I would like my founds exspidited back into my account as soon as possible. So I pay my bills and etc.