First Convenience Bank of Texas is hungry to steal your money. Don't join this bank. I had $7.00 in my Checking account - with nothing pending and they charged me $70 for two overdrafts!! What they did was rearrange the debts and charged me a service fee (which I am not suppose to be charged) and said they can't do anything about it!! They did remove the service fee.but wouldn't take.off the 2 OD fees!! They're a rip off! And the customer service reps are idiots!