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Yesterday I walked into the branch to inquire about the feasibility of refinancing. The teller directed me to the correct person and sent her an email to make sure she knew I was waiting. Anita, the loan officer, greeted me cheerfully and helped me through the process. Even though tons of people had been calling because of the low interest rates now, Anita took time with me and did not seem rushed or bothered with a walk-in. I then went home to complete the very easy to understand form on line. Within minutes my loan was approved. Today Anita called me to tell me the loan packet was waiting at the bank for my signatures. How much easier could that be?
This bank has the best customer service i have ever experienced. They are always helpful and friendly with whatever you need. i did most of my banking online with them (As I had direct deposit), but whenever i came into one of their offices (which was about twice a month) they could still remember me by face and name.
You can turn off overdrafts if you want, meaning you can't withdraw money you dont have in your account. Or you can leave it on, and if you do leave it on and you overdraft more than you have, they give you 24 hours to repay the negative balance before they charge you overdraft fees. This has saved my money several times. Its the best bank i've ever had.
Overall amazing bank - however the downside is that they are only in certain parts of South Carolina and not in any other states. They are growing because of their great business strategy of treating the customer right, and recently they bought out another branch of banks in South Carolina that were going out of business.
However the military has me moving around, so i will unfortunately be forced to switch banks to one of the national banks who doesn't care about the customer as much as the money they can snatch from them in ridiculous fees. Yes, I'm talking about banks like Bank of America and Wachovia.
I have banked with this institution for over twenty years. I had always experienced superior customer service and an open line of communication. That is no longer the case. The management is rude and unprofessional. The tellers never smile anymore and I can only think they are suffering under the new management as well. Yes, I will be moving my accounts