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Non Regulated Bank – Please beware. They do not follow Federal Banking Regulations. Their systems of posting, pending and payments are suspect. I feel it only fair to post a warning. If you choose to continue … more Non Regulated Bank – Please beware. They do not follow Federal Banking Regulations. Their systems of posting, pending and payments are suspect. I feel it only fair to post a warning. If you choose to continue banking with them, take your account documentation to an attorney and have them explain how 1st Convenience is going to rip you off, so you will understand clearly when it happens. This bank still processes charges from largest charge to smallest charge so that they can charge you more overdraft fees. Additionally, if you have an authorization such as for a car rental, they deduct the authorization from your account and will charge overdraft fees for ANY other charges to your account in the mean time, even if the authorization does not process. I AM CANCELLING MY ACCOUNT with this bank. They love to steal money illegally from your account.

I have had this account for about a year. This bank just recently charged 4 NSF fees on my account. One of them I admit was my fault other three was not. Problem happened when they allowed an online bill … more I have had this account for about a year. This bank just recently charged 4 NSF fees on my account. One of them I admit was my fault other three was not.

Problem happened when they allowed an online bill pay for a DIRECTV payment of $195 made on May 24th to debit first to my account. Caused my funds to go NSf by -$70. Then they charged me $34.99 for each debit (debits are normally directly deducted, credits are pended for about 2 or more days): $43 for gas, $1.72 for drive thru (hungry had no coins left), and a $70 withdrawal made from their own branch. These transactions I made on Friday May 22nd way before the DirecTV payment. Monday was a Holiday. Tuesday I would deposit the money. I couldn't due to personal reasons. Wednesday I made a $300 deposit thinking theres only 1

NSF for Directv. WT@%* Bank charged me 4NSFs.

After not being able to help me, Teller had bribed me to remain a customer and they will charge only 3 NSFs. Heck NO. I paid for all the NSFs and an extra -$3 something and refused to bank with them. So upon closing my account they ended up charging for all 4 NSFs. Don't try calling 1800 number either because they repeated the same thing. Mike the supervisor said this I to Quote "Our bank doesn't go by the date of transactions. If items made after 2:00pm Friday thru the Holiday are pending the bank just pays the larger amount first because they think its more important." LOL. If it was $1000 or more do you think they will pay? Heck no they wouldn't front or prepay such a large amount for you if it was really any larger.

If banks can't back date a transaction that already took place then how can they charge for a transaction that happened after another 2 days. Furthermore, I know for a fact my $1.72 for food made thru Taco Bell and my charge for $43 worth of gas was more important than the darn payment for DirecTV. The other charge was debitted out of my account for a money order I ordered from them that was made at another First Convenience.

I have banked with Wells Fargo and many other banks and by far never have I had this problem.

Wells Fargo had just refunded me 5 NSFs prior to my making this report. They have been more compassionate on 5 NSFs that were straight up my fault. I don't have any large balance with them either.

Oh yes, as for the 2 courtesy refunds? One refund I recall was a courtesy and the other was a correction due to their deposit error.

Don't bank with them. And if you have to because its conveniently inside Kroger, you need to make sure to not fall into this trap. But why would anyone bank with a bank that is stuck on money and has no COMPASSION for their customers?

I reported them with Better Business Bureau also. I will post this for all First Convenience Banks listed in Texas!

Category: Bank

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