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.
A bank run by children. Any expression of dissatisfaction will result in the wrath of their managers closing your accounts. A doomed financial institution.
this bank is bogus. I signed up for free checking and now they charge me 10 dollars a month if I don't use my debit card 5 times, have less than 500 dollars in the account, or I do not have direct deposit. I didn't know banks could out right discriminate against poor people. I had 8.48 in my account and today they put me in the hole -1.52 because they charged me the fee that I never agreed to. I called and got nothing but a brick wall of customer service. I had very little money and now they stole even what I don't have. Terrible BANK!!!1