Pros: 1STBANK is locally owned and opperated with NO shareholders to make happy; plenty of Front Range locations and is one of the last banks to still offer a traditional overdraft line of credit. They also have the best customer service I have ever encountered at a bank or credit union. Cons: for whatever reason, 1STBANK had decided to move into Phoenix, AZ and has become less, Colorado-y (the debit and credit cards used to look like Colorado license plates which were very handsome, now Visa Debit is orange and the Visa "Gold" is green with white numbers and letters and looks very cheap). They also have very sneaky fees: for instance...free checking; however, after the first year, the Visa Debit card has a $10 annual fee....Chase, Wells Fargo and US Bank may not have "free: checking; however, with direct deposit, their fees are waived. Also, as they are a Front Range area bank, if you happen to need cash whilst visiting say, LA or Miami etc you will get hit with a foriegn ATM fee...I know other banks do this but if you have Chase, BofA etc etc you have a very good chance at finding one of their ATMs free of charge in most states. They have many locations; however, most are on some of the busiest roads in Denver. Another con is their antiquated online account management. It gets the job done but it seems very old.
Overall, I love 1STBANK because it has been in our family for years and I like the traditional feel that they have; however, with Chase, Wells Fargo and US Bank in our own backyard with fewer fees, it is increasingly hard to recommend 1STBANK.
Last year i had a problem with child support because i had sent the child support office a check in the mail, but my check did not get there in time so they took all the money out of my checking account. Well it was not my fault so they ended up returning all of my money back into my account. So yes this was one year ago and they put the money back into my account. Well now a year later i had a problem with a rude collection agency by the name of liberty acquistions and they tried to garnish all the money out of my checking account. When i found this out (which my bank didnt even bother to inform me until days later) i paid the collection agency so that i can use my account, but 1st bank has decided to close my account and they do not want to reopen it. So thats how they want to treat a customer who has been there for several years and has more than one account there??? Well that's fine, i dont want to bank with rude snooty people anyway, i will take my business elsewhere.