I called them before I opened my account and politely spoke with them. I explained that my sister banks with them and her Girl Scout troops have multiple accounts with them. I explained other things and got the information that I needed. I applied for the account and the next day I got a call from them. (I use a Google voice number for all things that don't involve friendship or a job! I don't like getting called from numbers I don't know! It does get forwarded to my phone and it did.) I got the call and picked up the phone, 10 seconds too late. I immediately called back to the number, since it did identify who was calling and where they were from. If you understand how Google voice works, it is understandable. It rings to your other number, then it switches back, there is sometimes a bit of a delay as it does, so it can cause issues. So anyway, I get connected to the new accounts lady and she quickly informs me that she got a Google voice number. You could hear in her voice how satisfied she was with this. (For a further explanation consult Webster's Dictionary on the words 'irony' and 'sarcasm.') Then she informs me that I will need to provide a utility bill to open the account.This is impossible, I don't have any utility bills. I offer credit card statements, bank statements, a copy of my DL and Passport, and other such things that I can. The problem ends up being that my DL does not have my current address. It is a MI DL, not a FL DL, and I have no intention of getting a FL DL. So basically, they use an outdated method for verifying information, as my credit report does contain my address and my MI address. I have passed more detailed checks with no problems in the past, including some that require me to give addresses from 15 years ago and longer. They drafted my account in MI for the funds, with the same address as the application. I am not a criminal and don't wish to be treated like one. I am just avoiding a $5 monthly fee from Wells Fargo! Peace!

I am disabled and ever sense being approved for disability i have learned to live without credit and have a clean slate no credit needed a loan , my house is paid off, my cars are paid off just wanted/needed $3500. They could take money when check gets deposited but the people i talked with acted like a computer refused to let me explain treated me like a dead beat , i feel my disability played a role in me being turned down. 10 years a customer never had any issues against me , refused to take a chance . If my banking habits over the last 10 years had been bad , like bounced checks or something i would understand but i haven't done anything like that. 1st time sense becoming disabled i need a little extra cash and this Bank slams the door in my face , so much for believing in your customers... I like my Bank but they Do Not Like Me!

I have been living in Julington Creek since 2004 and used to be with Bank of America. I simply have grown tired of being treated like a number - I moved my realtionship to Atlantic Coast Bank in Julington Creek, they have that family bank feel and great accounts - 3.01% interest on my checking account - awesome! and the employees treat you like you are an individual - a real local bank with real personable commited employees who actually care about you.

I also like the fact that they are big supporters of the elementary schools, Creeks Athletic Associations and the kids in general - they simply get it at Atlantic Coast Bank! It is refreshing and we love it - 5 stars!