Be CAREFUL! They've caused me so much stress over this...what a NIGHTMARE! They are scam artists! After what happened to me, I wonder how many people they've stolen money from. I recieved a call from 1stCb telling me that my account was overdrawn. I was amazed because I KNEW I had over $350. I told them it was impossible. They kept telling me that I'd spent too much and that's why. I argued with them telling them that it's impossible because I bank very very carefully, I never let my account go below $100 and I check my balance every time before I use my debit card. So I went in to my branch to try and figure this out. The man was rude. Kept telling me I need to be more responsible. I saw that they'd charged me over $500 in overdraft fees ! I was totally dumbfounded. I knew I was innocent but the kept insisting it was my error. I came back the next day, still determioned to prove them wrong. This was after my husband got angry with me for being irresponsible with my spending. They had me thinking that MAYBE it was my mistake. Even though I couldn't figure out what I'd done. In my mind...2+2=4 but they're telling me that it only equals 4 on my computer screen at home...on theirs...2+2= whatever the hell they want it to. So finally the manager notices that on a charge I'd made to US Airways, that after my account had already been debited the $300...it was also listed as a pending charge. So my account at that moment was actually -$600 from that charge. So then 1stCB tried to blame USAirways and the idiot working there told me to start being more careful who I give my card # to.! It's USAirways! Not Humbaba's Nigerian Quick Loans! I tell them I book flights ALL THE TIME with them and never had this problem. So they tell me in order to get my account fixed that I need to contact US Airways and get a letter and blah blah blah. Then I point out to them that it wasn't just US Airways that they did that to me. There was about 5 big charges that they still had listed as pending...even though they'd already took my money out. All from reputable companies. ENTERPRISE, CIRRO ENERGY, etc. "SO I guess I have to write all these companies a letter too to explain why you guys messed up?" They got real quiet and by the next day had accredited back around $1000 to my account that they'd attempted to take from me. Now I can't trust them anymore. They really treated me bad and caused me ALOT of stress. I had to spend ALOT of time that I don't have to make them realize their mistake. It wouldn't have been so bad if they would have listened to me from the beginning and not treated me like I was irresponsible and making it all up. I was actually crying when I went in there. Very upsetting. I don't recommend them to anyone.

These people prey on those that have no other banking choice. I definately think they should be held accountable just like the 'big' banks on the amount of fees and daily charges that they can charge. I am completely dissatisfied and will rid myself of them as soon as possible.

You are either an employee or I want what you are taking. First Inconviencebank utilizes an 800 number out of Killeen, their headquarters.You can never escalate past the call center even if your issue is beyond what they have the authority to handle(which is pretty much everything) They are currently under federal investigation. Take your money out and buy a clue.

Been with the bank for 7 years with no problem until 2009 when i noticed they were overcharging me overdraft charges (35.00) when i still had 200.00 and sometimes they would overcharged me two to three times for nothing i try to talk to them and they gave some kind of story that did not compute . besides that they charge you fees for everything they overcharged me about $350.00 before i decided to close my account. I have other friends that have the same problem . this bank is bad stay away from it

I have been banking with First Convenience Bank of Killeen, TX now for a few years. The ONLY reason I have chose them as my bank, and have not switched banks is because I became a single mother at age 18 and have acquired enough debt over the years to now have bad credit.
First Convenience Bank is the only bank that I am aware of that will give you a bank account with bad credit. That is why they are always referred to as the Wal-Mart Bank, or the Poor people’s bank.
I am still a single mother and still living hand to mouth. Last year I made roughly about $15, 000. Yet, last year I wound up paying over $4, 000 in bank fees. I have had to have a bank account because jobs I work at tend to not provide live checks and only provide direct deposit.
Over the last 2 years I have given the bank about $10, 000 in bank fees. Because I am stuck in a bad situation. No other bank will take me because of my poor credit, believe me I have tried. And I need a bank account for my direct deposits.
The reason why I have been paying so much in bank fees is the bank holds every single withdrawal/check/debit for 72 hours and reorders them in order from the largest to the smallest. They give you overdraft protection which allows this to happen.
About a year and a half ago my account went $700 in to the negative and I have not been able to catch up ever since then.
Every paycheck I get I go above positive again, but I have to feed my kids and I have to pay my bills, so I am forced to use the overdraft protection, and they reorder everything from largest to smallest in order to collect the most amount of fees possible, and then charge me $2.50 a day every day I am overdrawn, which is most of the month.
I literally give them between $200 and $600 a month in bank fees. I don’t know what to do anymore. I called the customer service center and not only the reps, but also the supervisors are rude, condescending, and insulting. They have extremely poor customer service.
I go to the bank branch and they flat out lie to me about policies and practices. There have been many times when I was sitting down with a bank branch representative and have customer service rep on the phone at the same time and they will tell me two conflicting things. This bank is very evil and incredibly inhumane. They would rather my child starve to death then not collect their $500 a month in bank fees.
The holding and reordering of debits to my account is not only wrong and poor business practices, but it also seems very immoral to me.