I did not open my acct as a 2nd chance - I opened my accts because of the convenience of bank'ng hrs. I opened my accts w/a $50 dep + a sign up bonus, which I did receive. During my tenure w/Woodforest, the staff "knows" me - I mean they KNOW me! Of the original staff, 2 are left, but I can call my branch, talk to 1 of the 2 and get things handled. I ordered cks one time and there was a major mistake -- I called, staff took care of it and w/in a wk I had new cks that were correct. Like others, I keep track of what I spend via online, the hrs are wonderful (wish they would go bk to the org hrs, but I'm okay w/the new hrs), the staff is always courteous. I have and would recommend Woodforest to others. Re: bank rates/fees - in line w/other banks.
I absolutely am pleased with this bank. The branch in Laurens, Sc is so helpful. I am one that have been careless with checking accounts in the past. They help me turn around. Now I understand. You spend what you have and keep track of your spending. Its all about paying attention. The tellers there know you when you come in and are always nice. I cant blame woodforest for overdrafts at all. This bank is not trying to get rich off of working people, they are there to help careless account holders become responsible.
I have been a Woodforest customer since '10 when I lived in Houston. I was paranoid when I moved back to Ohio when I thought I might have to change banks. Fortunately this wasn't the case, and I was able to continue banking there where my ONLY complaints are #1 wish there were more branches and #2 wish they would bring back 24 hour schedule while in a 24 hour Wal-Mart....those 2 suggestions would= perfect banking experience!