First National Bank Texas

I have been a customer for several years and the service continues to improve. The new manager has turned banking with them into a pleasant experience. I appreciate that they try to treat people as they would like to be treated, with kindness, and they help when they can. I also like their professionalism and how they seem to work well and support each other. I love good customer service and I try to acknowledge it when I see it. Good job, First National Bank-9301 Forest Lane. Peace and blessings to all of you. Robin

Horrible. The site is down after hours all the time. Fees on top of fees. I barely use the account because the way they process transactions is predatory to create fees. There was a time when you could call in and get some of the fees removed, now they refuse and will charge $34.99 for $2 and $3 transactions. Despicable. They prey on low-income folks with little financial literacy. Folks who have banked with them for years, decades even, should be offered a credit line as true overdraft protection, but to my knowledge, they don't offer this. It's an easy fix, especially with an established direct deposit. Even their credit card is trash. It's hard to pay online - the worst website experience ever. I can't even use it, so I'm forced to call in and talk to someone who can barely understand me to make a payment. Three years in of on-time payments, zero credit limit raises – none. The management is by far the worst bank I've ever dealt with! I deal with 3 other banks and numerous credit card companies, and they are by far the worst I've ever dealt with. Now, the tellers at the store are nice for the most part and helpful. But once you start understanding financial literacy, you will see how terribly they are managed.

I had to learn the hard way. This bank will take your money and make it confusing when you look up your account spending. They can never solve your problem when you walk in; they always have to call someone. Their ledger of the dates you use your card or deposit money is all messed up. I don't understand how they get away with this. Isn't there someone we can go to who will do something about them? Everyone says the same thing about what they do.

This bank is horrible it won't even let me use my pen to use my card they keep freezing my card I'm changing my bank first thing in the morning

I spoke with someone named Grecia who was able to give me the answer that I needed—a simple answer, and that was, 'How long will it take for my loan money to deposit into my bank account after it is sent from the loan company?' She let me know 1-3 business days. I appreciate her honesty. Someone I spoke with prior to her (don't remember the name), told me that they do not know and that it is not information that they track. Like, huh? How do you not know when customers' money will be in their account? One star off for that associate who said this, but I appreciate the personnel who was honest with me; thank you, you put my mind at ease.

I had fraudulent charges billed from my checking account. I called the fraud dispute number and filed a fraud dispute. They investigated and reimbursed me two weeks ago. Then, out of nowhere, they recharged the same fraudulent amounts from my account, causing my checking account to be overdrawn. I will no longer bank with them, and they will not receive my direct deposit from my new job.

These people are liars and frauds. Please don't do business with First National Bank. I opened an account with them. After trying to set up my account, it wouldn't accept my date of birth. It seems set up to take my money. I asked them to close my account with a zero balance. The next month, there were fees in the account after I went inside the office twice to resolve the situation.

Former customer for 5 years, I was a victim of a scam, so the bank closed my account as per protocol. They advised that the account would be closed on a specific date but ended up closing the card a whole week earlier. The only way it could be fixed was by visiting a branch. As I no longer live in the state, I was left with no choice but to spend $25 to get a temporary card so I could access funds for the weekend. When I called the bank because another check had been deposited on the supposed closing date, they advised that they returned it to the sender. After speaking with the sender, they said they never received it back. I called the bank once more and they admitted that the account was officially closed on the 17th and a cashier's check was mailed out on the 22nd. This is the worst experience I've ever had with a bank. I do not advise anyone to bank with them, as they seem not to care and lack empathy.

First off, the worst customer service ever. I can't overdraft my account, but they let a business overdraft my account and put it into the negative. The business corrected the error, and now I'm told by this bank that I have to wait 10 business days for them to correct my account. Meanwhile, the next direct deposit will be affected by this nonsense. As soon as all this is done, I'm closing this account and never looking back. And I'm going to tell anyone and everyone I know not to bank here.

DO NOT APPLY BY THIS BANK! They call you and tell you that you have to do this and that ( Paperwork, I get it). Told them that my Solar Company has a Lean on the House but I can call them to get it temporally removed so that the Loan can go through. Even they told me that they would wait until they hear from me, they went ahead and pulled the Lean Report the same day almost 20 min after they called me. I was on the phone with the Solar Company and they put in the temp. release the next morning. But this Bank could not wait. NEVER EVER would I ever file a Loan or ANYTHING ELSE with them. They are DEAD to me! NOBODY should bank with them!! NO freaking CUSTOMER SERVICE NOTHING! IF I COULD give -10 Stars I WOULD!

I have banked with this bank for over 10 years. Last year, my debit card was stolen, so I had to dispute some transactions. Can someone explain why they revoked my debit card privileges permanently? I found that out today when I tried using the card. Keep in mind, my issues were resolved over 6 months ago. I even opened a new account with them a few months ago, and things were going well. Is this really how you treat loyal customers? I am looking for a new bank as I type this.

This bank is awful. There are no ATM machines outside for customer use. You cannot walk in; you must call and make an appointment. There are no Saturday hours. I am so glad I am done with this place.

It might seem like a great deal when they lure you into banking with them for free checking, but in the end, you end up paying more due to poor service and the additional fees charged to your account. I was very disappointed with my overall experience and will never do it again.

20+ year account holder. Banks are frustrating, to say the least. Multiple branches will not accept US currency in the form of rolled coins for a deposit. They sent me to multiple branches that wouldn't accept rolled US currency because they didn't know how to count it without a machine and apparently, not many are authorized to use the change machine. I'll leave it at the fact they won't take US currency for deposit from long time account holder.

This experience tops the one with Chase Bank where they "misplaced" my linked savings account for three months as they depleted my checking account via overdraft fees. Despite my repeated inquiries over the phone and in person at many branches, they insisted there was no savings account. Eventually, they found my money "floating in the mist" and refunded the overdraft fees after months of disputing with them. In my opinion, Chase is much worse than any other bank.

BEWARE! Do NOT Join This Bank or Close Your Account NOW!

Horrible Bank! Just Horrible!

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READ ON...

A bank teller tracked me down in Walmart while I was shopping and asked me to open a bank account. Really? She seemed so nice! I thought she was a fraud pretending to be a worker from the bank, but it turns out she's legitimate. So, I opened an account thinking everything was fine.

I had no cash to deposit that day and asked the worker if that was okay. She said it was fine and that I had 30 days to deposit money or else I would be charged a fee. I thought, okay, my direct deposit would kick in before 30 days, so I'm good.

After two direct deposits (of just a very small percentage of my check), I later noticed a $12 maintenance fee. I thought maybe the bank teller had misinformed me about the 30-day limitation on the $0 balance, so I did not contact the bank about it. Then, today, March 27th, 2024 (after three deposits), I noticed another $12 maintenance fee. That's when I realized that I'm being charged a monthly fee for just having the account open. Really? I wish I had known this was not a free checking account. I thought for sure I had asked the bank teller upfront if it was free checking. I guess she was so focused on a commission and getting me to sign up.

So, I searched online today and found more horrible news about this bank that they, of course, purposely hide from you! There's most definitely a catch to this horrible bank!

They charge you a $12 maintenance fee each month! And if you close your account within the first 90 days, they charge you a $25 fee.

Here is the breakdown of my calculations:

(2024)
Jan 24th (Balance: $0.00) - Opened my account
Feb 14th (Balance: $57.81) - 1st deposit of $57.81
Feb 24th (Balance: $45.81) - $12 Maintenance Fee
Feb 28th (Balance: $86.83) - 2nd deposit of $41.02
Mar 14th (Balance: $144.64) - 3rd deposit of $57.81
Mar 24th (Balance: $132.64) - $12 Maintenance Fee

I immediately contacted my job's payroll department and removed that bank from my direct deposit. There was about to be another deposit in 2 days. No way! I'm closing that account today or tomorrow, promptly!

NOTE:
If I keep my account open for another month, that would be $12 x 3 = $36.

I'm going to close my account as soon as possible; so, that will be $12 x 2 = $24 + $25 = $49.

Either way, I'm out nearly $50 for having this bank account open for only 2 months of use!

REMINDER... Please do a search online for:

1stnb banking services/fee schedule

Be blessed!