I just recently opened another small business and decided to use 1st Convenience bank since it was located in my local Kroger's Store and they had extended hours. I should have followed my gut instinct to quickly run away when the so called "branch manager" began arguing with me about my business structure. She insisted that business was a Limited Liability Corporation - while I stood there informing her that I had started a Single Member Limited Liability Company, which for tax purposes would be treated as a sole proprietorship. She demanded a DBA - which I didn't have or need, because I do business under the exact same legal name. **For credibility purposes I should mention that - I am graduate student in business (also a bachelor of business) and currently in the process of getting earning my CPA.

No sooner that I had moved past the incompetence of the banks employees - 1st Convenience bank service amazingly got worse. I began setting up my direct deposit, PayPal, Google checkout, shipping and other office supply store accounts - when I realized 1st convenience charged me a $2.00 "POS Denial Fee" per entry - for the verifying deposits and/or setup authorization charges ( which are temporary). I should also add that I made a deposit on January 18, 2011 before noon that as of now (Jan 28 3:18pm CST) still hasn’t been deposited. I called customer service and the young man I talked to couldn’t give a flip about the unfairness of the situation. Right now – I am thinking that enough is enough and I will NEVER EVER EVER EVER do business with 1st convenience bank again – even though I am stuck with them for the next 60 days because I refuse to pay the penalty of $25.00 to close my account. I have started a new commercial account in the same bank as my other business and will not l use the First Convenience account and have every intention on closing it on day 91.
Also, I should probably mention that after providing all my business formation documents to the bank – and I watched them make copies of everything – on another visit they could not locate any of the information I had given them. I sat there and watched the workers scramble around for about 15 minutes looking for it. I wondered and started to ask if maybe someone had taken it home with them. That is SCARY. I may be a small business, but will not accept being treated this way by any bank ever. Please be warned – I wish I would have read this before going there.

I was with this bank for over 5 years with no problems at all. Until 05/21/11, i checked my online statement and the bank allowed someone to overdraw my account by $1152.00.. I called the 800# and spoke to a rep and she advised since the charges were pending that the only way I could dispute this was to allow the transactions to post and then file a claim. I requested to speak to an supervisor and I still didn't get anywhere. I explained to the supervisor that this is no way to treat your customers if they are calling to inform you of fradulent charges before they happen and the response was the card that was suppose to have been cancelled at the branch was not cancelled and the card is still showing open and active, even though they issued me another card in the year of 2010. This has been a true nightmare I felt I should have been treated with more courtesy then what I received from a manager since I was an customer with them for so long with no overdrawn issues before. Please reconsider if you are thinking about banking with First Convenience Bank.

Looking at previous reviews, there isn’t much more that can be said about this bank, but here you go.

My daughter inadvertently over drafted. Within 2 days, the OD charges had run up to $300+. We went down and took care of the charges, as well as closing the account. They tried to get her to leave the account open with a dollar in it. (I'm sure this was so they could find other charges to collect)

We refused and closed the account. 5 days later, a netflix $9.00 charge came in, which sent the already closed account into OD again? At this point, they started adding up daily charges for OD. They kept doing this for 2 months, without any contact. At this point, they sent to collections and are calling her 5+ times a day.

She is a struggling single mother, trying to make ends meet. I could help out and pay these fees again, but whats to say that this wont happen again as the account was already closed.

I put some of the blame for how this bank is preying on people who are having difficulties, on Walmart, as Walmart must know of their business practices, and lets them prey on their customers.

Start taking your complaints to the grocery stores who are hosting these banks.

THE BANK PUT 7 DOLLARS IN MY ACCOUNT FOR A REFERRAL AND I TOOK THAT CARD TO THE STORE AND THE MAN BEHIND THE COUNTER DID EVERYTHING WITH THE CARD AND SOME ONE FROM THE BANK CALLED ME AND ASKED ABOUT SOME DENIAL FEES AND I EXPLAINED TO HER AND SHE SAID SHE WAS GOING TO CLEAR MY BALANCE!!! FRIDAY JULY 23 I CHECKED MY BALANCE AND IT SAID - 45.97 AND TODAY JULY 27 MY ACCOUNT SAYS -200.00 DOLLARS AND IVE ONLY HAD THIS ACCOUNT FOR 2 AND A HALF MONTHS AND IM NOT PAYING THIS RIDICULOUS BILL NOR AM I BANKING WITH THEM ANYMORE SO I WANT MY ACCOUNT CLOSED AND I DONT WANT THIS BS ON MY CREDIT!!! YOU NEED TO FIX THIS!!!

This is the worst bank ever!!! The overdraft fees are utterly ridiculous. Not only do they charge you for overdraft fees on pending transactions but they turn around and charge you overdraft fees when those same transactions clear too!!! I've literally called 12 times to speak to the branch manager and keep getting transferred to the main swtch board. If you actually want to talk to someone, they charge you $3 which they will overdraft on. I can't wait to cancel my account...which they will charge you $25 for if it's been less than 90 days since you opened your account...what a crock!