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.
After 15 years I never had a problem. Left Arkansas two years ago and I am still looking for a service to match Arvest. So far they remain my main bank and at 2000 miles they still give me better service than Bank of America and Wells Fargo that are local. I have had a few mistakes now and then fixed over the phone, never any significant problem. The interest rate is as bad as everywhere else. I have had seven loans with them, six at this branch without any issues.
First of all I want to say I know my bills and I've used online bill pay for numerous years and never had a problem until now. Seriously, why would I ever pay my car payment twice in the same day and why would I pay my car payment the same amount as my house payment which is a $400 difference? I called Arvest Customer Service and I'm told there is no way it could be the Bank error. Seriously? Now they are charging me a $20 stop check fee. Completely disappointed.