Bank Reviews

First Service Bank has exceeded my expectations in every way. The customer service and friendly staff make it a pleasure when I have to visit them. I love their online and mobile banking, both are easy to use and understand. I also love their bill pay, it's very easy and fast to use. You can set up alerts that alert you about activity on your account, which helps me keep track of any new transactions or bill payments hitting the account. I will list the pros and cons for everybody below but I will give this bank a 5 star ratings just because the pros are so overwhelming.

PROS:

A variety of checking and savings accounts to meet your needs.

Great Loan products such as a personal loan or mortgage loan (WAC)

One of the checking accounts is TOTALLY FREE with your first order of checks FREE as well. There are no hidden charges, and as long as you pay at least 1 bill a month with online bill pay, the bill pay service is free. This account also comes with a instant issue debit card that you can use the same day you open the account. Online Banking is also instantly available right after you open the account as is the bill pay service. No minimum balance and no direct deposit is required.

Checks are ordered through a non-deluxe company "Harland Clarke"

No chexsystems or telecheck or credit check with this bank.

You can open a savings account to have linked to any checking account as a form of overdraft protection.

Can use any US Bank ATM FREE as well as other "MoneyPass" member ATMS without cost.

E-Statements or Paper Statements both options are FREE

Amazing Customer Service/Tellers/Employees

CONS:

No standard overdraft protection with this account.

No Telephone banking service. You must use online banking, mobile banking, or call the bank for balance and transaction information.

$30.00 Return Item Fee/Overdraft Fee (In the unlikely event that they decide to pay your item)

Cannot open account online, you must visit a branch to open a account.

I was converted over to BB&T when they bought out my bank. After having the same account for over 20 years I really didn't want to change. Today is the final straw I will be changing in the morning. Over the past few years I have dealt with increased fees, two day holds on my checks ( no explanation) rude tellers and poor management. Today I went in to obtain cashiers check (something I do annually to pay my daughter's tuition). I was told that even thou I have had an account for several years I would be charged $10.00. When I explained this had never been charged before. They treated me like scum and said they would do me a favor and waive it this one time. The teller suggested I go to another bank if I want free cashier checks. Really! I've banked here for years and this is service I get. I have 4 accounts there, a current mortgage and several paid in full loans and they tell me to go somewhere else. Referencing above check holds, I've never had a held check I'm my life. My checks have never bounced. Now when I bring my pay checks in they have a mandatory 2 day hold. Some tellers who know me just waive it others won't. I have to call old branch manager I know if I ever need immediate access to my paycheck. Tomorrow I will not have to worry about this. I'm going to Southern States Bank. No holds, no fee if I need cashier check, and they actually want my business!

I was treated horribly at this branch, they have the worst customer service I've ever encountered. The supervisor, Shane had the worst attitude problem! I've never been treated like this at a bank before. Keep your pens, I'm closing my account ASAP!!?

Recently my daughter spent a semester in Spain studying abroad. Since Sovereign Bank is owned by Santander which in Spain is like Bank of A-ManyFees here and on every corner it made sense to see if we could set up her account at Sovereign so she could access her money there and were assured that the two banks were one and the same, problem number one THEY AREN'T. WE WERE LIED TO and every time my daughter went to take out money we were charged an $6 ATM fee, lesson learned we should have just left her money at TD Bank at least then I would have expected the $6 ATM Fee. On top of this we set up the account as a joint account with me and my daughter so I couls handle everything from here while she was in Europe and again were assured there would be no problem AGAIN THEY LIED. Unfortunately my daughter lost her ATM once and had her purse and cell phone stolen for a second loss, got locked out of her online account once and had her pin number deactivated and here is where the real problem began. Sovereign banks phone service employees do not know how to handle a customer instead of looking to resolve and put out fires all they know how to do is pour gasoline on the fire. They are 95% rude, nasty, uncooperative, and useless. I had to twice wire money to my daughter because they refused to help resolve the problem and demanded my daughter call even though she was overseas and had no phone.. Again why the hell did I open a joint account there if they refused to talk to me and why did they lie to me that I could handle the account from here. Now the real test came when my wife called TD Bank to report my daughters ATM card missing the first time and stolen the second time were courteous helpful and issued a new card immediately since my wife was also on the account there with her. LESSON LEARNED SOVEREIGN BANK USED TO BE A GOOD BANK BUT THAT NO LONGER APPLIES, THEY HAVE NO CONCEPT AS TO WHAT CUSTOMER SERVICE IS AND WILL LIE OUTRIGHT TO YOUR FACE TO GET YOUR MONEY.

I had bad experience in this branch . arrogant and lazy floor teller had poor knowledge and branch manager was not concerned enough to resolve the issue i had with teller .

The feds should have let this pile of crap fail and go under.

They have no backup plan if their system goes down and it happens a lot. Couldn't buy groceries or anything several times. I'm done with them.

Just got off the phone with customer service to get my name changed on my card and have a new card emailed to me... customer service representatives were WONDERFUL as usual! I have had some hiccups in the past (self induced) and each time I've called Chase they have been so kind, helpful, and sounded like they were willing to go above and beyond. It's comforting to know that if I ever have a problem - their staff would help me through whatever I need.. and do it with excellent service!

My most recent experience involved our mortgage payment. I had recently set up automatic payments because Chase won't allow me to go in ahead of time to pay it on the 15th if the money isn't in there at that exact moment! So, I called on Friday to make sure that the first payment was going to go thru on a Saturday since I didn't see it on there yet and we were going out of town for the weekend and didn't want the payment to be late. The customer rep told me that there was no pending payment and after asking her several times she insisted I must not have set it up correctly so I paid it over the phone that day to ensure it was paid. Well, on Saturday I have texts telling me my account is WAY overdrawn because TWO payments went thru...the one I did over the phone and my automatic one! So I called before we left that morning and told them what happened and said I need the money back in there because we're going out of town and I can't be w/o money. Of course, she couldn't do anything about it and the supervisor was in a "meeting" but promised she'd have her call me that day-she never did!! So I call back Monday after going w/o money in my account all weekend. Now they tell me that they have to wait until the payments process before the can refund my money and on top of that other payments I had set up were not going thru because I was so overdrawn. After arguing they finally gave me a credit memo for the payment that showed up two hours later so I thought I was good to go. Oh no, of course not! The next morning I'm even more withdrawn because the credit was removed and service fees came thru! I called AGAIN and after arguing she said it would take 2-3 days to get refunded..I told them my daughter is having major brain surgery in a few days and I need to take care of bills before then. Finally, I got them to issue another credit but of course it takes 4-10 hours. This is one of many issues we've had w/Chase over the past few years. They also screwed up our refinancing!

It is rare to find a bank so committed to the communities in which they serve. Living in a small town its important to support local initiatives in order to promote growth. I experienced first-hand the generosity 1st National promotes. I've banked there for a while now and have enjoyed the improvements they've made over the years, including online banking. I would highly recommend this bank to my friends and family.