- Report: #220153
Complaint Review: First Convenience Bank - Graham Texas
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Author Confirmed
Why?
First Convenience Bank
Graham, 76450 Texas, U.S.A.
Phone:
800-903-7490
Web:
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First Convenience Bank added charges switched around checks Graham Texas
They charged me for checks I did not order, they added a maintence fee and they would not deduct my checks by when I wrote them, they would hold them until instead of getting one Non sufficent fund charge I would get 3 or 4
Michael
Newcastle, Texas
U.S.A.
Michael
Newcastle, Texas
U.S.A.
2 Updates & Rebuttals
Exemployee18
Addison,Texas,
U.S.A.
poppycock
#2UPDATE EX-employee responds
Thu, October 11, 2007
Not only do you have to keep a register you have to make sure you understand a state law which is known as order of processing in which the largest to smallest amounts post every business day evening. Banks are businesses and every businesses number 1 objective is to make money. Most banks use their customers deposits to invest and make money that way. FCB is a fee based bank so that right their should tell you all you need to know. Also the collection agency is owned by the same family that owns the bank!
Stile
Phoenix,Arizona,
U.S.A.
The checks I can understand, but...
#3Consumer Suggestion
Sun, November 12, 2006
The rest sounds like normal banking procedure, not a rip off. Maintenance fees apply to accounts when you do not maintain the no-fee terms (typically a minimum daily balance, or monthly direct deposit). As far as "holding checks", it's been discussed a million times over on this site. The end result is that you wrote checks for more than you had in your account, and they came in several days later and all posted at or around the same time. You may not like the highest to lowest posting order, but it is in your deposit agreement, which you violated by spending more than you had in your account. Use a check register, and it won't matter when items post or in what order, you'll never be overdrawn.
