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I have been living in Julington Creek since 2004 and used to be with Bank of America. I simply have grown tired of being treated like a number - I moved my realtionship to Atlantic Coast Bank in Julington Creek, they have that family bank feel and great accounts - 3.01% interest on my checking account - awesome! and the employees treat you like you are an individual - a real local bank with real personable commited employees who actually care about you.
I also like the fact that they are big supporters of the elementary schools, Creeks Athletic Associations and the kids in general - they simply get it at Atlantic Coast Bank! It is refreshing and we love it - 5 stars!
I went through the SBA process with Atlantic and was very pleased with the woman who handled the loan initially. However, when my loan was handed off to a loan closer, it became a nightmare. Her repeated mistakes were not nearly so big a problem as her attitude. She has been demeaning and treated me as if I was a bother. She is confrontational and, frankly, not very sharp. I don't have a problem that she makes mistakes, it's that she seems to hold it against me when she does. It's as if it's my fault when she is in error. I have begun my new SBA loan process with Wells Fargo and will refinance the one I have with Atlantic Coast at my first opportunity.
I have had two very bad customer service experiences at Atlantic Coast Bank. First, my debit card information was stolen somehow (I still had my card) with many quick uses of the card on black friday. I immediately stopped the card once I saw the transactions, called the bank, and filed a police report. It wasn't until the police report was mailed to me and then mailed to them that they would after a review process reimburse me the thousands of dollars. It was more than 3 weeks before they reimbursed my money and I had to figure out other ways to pay my bills. The second happened a year later when 3 unauthorized direct withdrawls occurred from a company that I had stopped allowing direct withdrawls from. The company apologized for there error. However, atlantic coast not only refused to reimburse me for the fees toping over 100 dollars for these fraud charges but they also wanted to charge me another 37 dollars just to freeze my account! It is not worth your time or safety of your money to use there services.