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 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
Overdraft is great when you can tie it to a credit card for little to no fees. Bank of America allowed this. But ARVEST who is supposed to be great only charges 17 dollars per transaction. Thats not overdraft protection!! Its financial rape. It should be illegal. 17 dollars for a two dollar overdraft when I deposit over 8K a month in this account. Oh.. and better charge you 6 dollars a month service charge on your checking to make money on debit card swipes. Too funny. Bill pay.. better schedule ahead. BofA would send payments in time to meet due dates and deduct the day you said it was due. Oh no.. not arvest. Multiple fees for just this. Then you want to do anything. Well please come to the branch.. can't do much on-line. Need to see you even though we have your SSN and can verify your identity with other things. But come for our free popcorn and hot dogs once a hear. I had my house financed with them.. horrible - went elsewhere. BofA sold out to arvest.. bad move.. when to Capital one 360. Could care less anymore about seeing a teller - ever. On-line it will be from now on.