Every time I walk into First TN bank I'm privy to a new experience that is as equally dissapointing as the last. Every employee has a different answer than the last and no one seems to know bank policy or exactly how to impliment policy. Their telepone lines consistently go down so you have to go to a location to conduct business. However, they tend to close down prior to their listed hours on a regular basis and then deny that has been done. Their policies are always a catch 22. I have multiple business accounts with this bank due to First TN absorbing MNB. I've been putting off pulling the accounts I have due to the headache it would cause however, I think it is time to deal with a month of irritation rather than continual annoyance and dissapointment I receive from banking with First TN.
initially setting up my account was easy and the representative was really friendly. Unfortunate they put a hold on EVERYTHING I deposit. Local checks, paychecks etc. Ive never had an overdraft with them or a bounced check of any kind so I dont get it. I was told that the online & mobile service of depositing your checks is not a service for everyone. What??? Its so inconvenient to use this bank its ridiculous. Ive never had such problems ever. Then today, my husband takes my paycheck down to deposit it with a teller so that the funds would be available (its saturday btw) for us to use this weekend he got a receipt but when he got home there was nothing available the deposit isn't even showing up in my account and now of course they're closed until monday. So basically, I cant use mobile deposit because im not special enough to be granted the privilege, it takes forever to have access to my own money, and their online services are way out of date. I cant wait to find another bank and close this account. Im dreading possibly being fined or who knows what for closing it.