I was with Arvest from 2003 to 2011. I finally got fed up and switched to Bank of the Ozarks. I was out of town for a few days and withdrew cash to take with me. My account was at $0 for about a day and a half before my paycheck direct deposited. When i returned home the day of the paycheck deposit, I went and bought $150 worth of groceries. Well my card got declined in the middle of a huge line at the store. I'm sure you can imagine how embarrassing that is. After calling customer service, I learned that if your account sits on $0 for more than 24 hours, it's considered "closed." So even though I've banked there for 8 years and had a check of over $1500 wired into my account, it took ANOTHER 24 hours for my debit card to re-activate so I could use it. Also, after YEARS of being with them, they constantly put 2-3 day holds on checks that weren't any more than a few hundred dollars. It was always a hassle and some new drama with them. The ATM at the branch closest to my house is usually down 1-2 times a week as well. Just avoid them. These are all instances that happened more than once. Having the same ownership as Walmart has given them the same fake "customers are #1" theme when you will quickly find out that you don't matter.
I like everything about arvest bank. Customer service , all the branch and more except - there is no options to transfer money one arvest bank to another arvest bank account.
Although no bank is perfect, as nothing that has people running it could be. This bank is in the tops. For one, they did not take government bailout money (as the largest banks did). They didn't need to because they did not make a lot of bad loans. That says a lot! They are not nation wide, i think they are in 4 states now. I read that the are the largest bank in arkansas though. I have moved but have decided to keep my account after all the research i have done on banks. With this economy you want to be sure your money is in a safe bank. I can do online and photo check dept. And i have no problem with anything.
When i bought a house, they serviced my loan too through Arvest Mortgage. That was nice because i've heard horror stories about mortgage loans from friends and clients who had home loans with bank of america. As i already stated, they are not perfect, but i would say compared to many others, they rate very well in all areas of banking.