I was referred to FNBMS by another business owner, I was an independent contractor out of her office. I was signed up with a contract but the representative did not go over my contract in detail, I put too much trust in him. After a year, I was leaving because I was moving. I was told I had to pay a early termination fee, and since I signed the contract there was nothing they could do. Everyone I talked to was rude to me and didn't even show me any empathy. I know I screwed up in trusting in the rep. In my eyes it is their job to let you know what you are signing because they make you read through a million papers. So, I am stuck in a 3 year contract that I wasn't even aware of. It costs more for me to pay the early termination fee than it does to keep my account open. It was even put on an existing cc terminal so it shouldn't cost them anything to turn it off. They aren't even willing to lower my termination fee.
So my advice, READ EVERY INCH OF YOUR CONTRACT because their reps are not there to help you but to make money for their company. They do not seem to even care about their customers or even try to work with them. They automatically sided with the rep and said he would have let me know. STAY AWAY FROM DAVE JOHNSON!!!