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 was having difficulties with a Purchase\Service charge, and I had a wonderful representative talk with me to explain exactly what is going on. Thank you Michelle D for being so patient with me and understanding.
I walked into the bank, and there had to be at least 15 people, some working, some talking, I needed a signature guarantee stamp, and NOT ONE person could do it. I was told to come back later. Its a far drive for me so I called first and NO ONE had shown up to work that could do it so now I have to wait another 45 minutes, call again and HOPE someone decides to show up for work that can handle a simple signature guarantee. This is not the way to do business