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.
The unfortunate issue with websites like these is that most people who seek to write a review are upset and want to vent about something. The truth is arvest is a great bank. They honestly care about their customers, and will work to fix any problems they can. They also have some of the lowest banking fees around. Their nsf fee is only $17, one of the lowest in the country. Plus their cutoff time is at 8 pm instead of in the middle of the day like many competitors. This leaves you more time to make a deposit to clear up any negative before a fee hits. If you have questions regarding their customer service see JDpower. Com. They have won the "highest customer satisfaction with retail banking" several times including during 2012 and 2013. Every time i go in a branch everyone is very friendly, and greets me by name. If i have a question they quickly get me an answer. Arvest is also a very stable company. They have never needed assistance through any economically hard times. They seem to make sound business decision so i know i can trust them with my money.
I have never had such a terrible experience with a Bank except at ARVEST, they truly are practicing fraud. In my case they went back two weeks , rearranged all large incoming charges to go through , thereby causing multiple overdrafts for smaller pos charges. This is the scheme they practice and someone should file a class action lawsuit against them.