1st Bank

If you are in a rush, don’t use their drive through service. This is the third time I’ve used this location and this time I was the only car in line– what the heck takes so long!!!

We’ve had accounts at 1^st Bank for a long time and have generally been satisfied.
I find it odd that they jump from free checking to $ 30+ a month for business checking if you go over your limit of transactions. We switched that account to another bank for that reason. With the other bank, a national brand, if you go over the allowed amount, they just charge for each transaction over the limit, small change.
Otherwise, service has been fine.

The Great:
I refinanced here in October 2012, and my experience could not have gone better. Superb service from the VP and mortgage officer I worked with — everything happened easily and quickly, they were professional, curteous, sharp and thorough. And most important of all — they were honest and no high pressure sales. Extra points to these guys for dealing with an extremely compressed timeline on my end and getting everything wrapped up in less than 3 weeks. And I’m really happy with the great, competitive rate I got for my 15yr fixed.
The Good:
Making payments online works very well, and the transfer of the loan from my previous bank happened without a stitch. Customer service in general has been very good, whether on the phone or in person at this Lookout Rd branch or the Broadway branch in Boulder. Their phone and email customer service reps actually return phone calls, they are professional, and it’s possible to speak to the same person more than once. I might expect that out of a local credit union, but a bank? What bank actually does that? Kudos.
The Meh:
A few months in, I have a couple of minor gripes with my overall banking experience, ranging from mistakes made by the bank’s associate when opening a checking and savings account. to not being told about a few minor details like a $ 10 annual fee on the checking/​ATM card after the first year. Nothing really that bad, but just a bit of general sloppiness. The most «serious» of these offenses was the pushy sales pitch by the young man opening my accounts for a posher account with fees that are waived if if if if if a million conditions that I don’t have the time or energy to keep track of. I refused, so he then pitched their credit card. He was pushy until I showed signs of annoyance. Who wants to feel annoyed when opening up a bank account? Didn’t I just give you a ton of my money by taking a loan out with you? Isn’t that enough?
OK, none of this is that bad, and these are all associated with the initial opening of my bank accounts. These minor infractions that have probably wasted a combined 17 minutes and 42 seconds of my one precious life, and they are far outweighed by the rest of my experience.

I have banked here for over TWO DECADES, and have had good customer service experiences. However, when I logged into my account to pay off my previous month’s credit card statement, my online account showed a zero balance. How can you transfer money to a zero balance due? I didn’t. A month later, when I logged in to pay my next statement, I had a $ 20 late fee, because I did not pay the $ 43 due the previous month.
First of all, if I owed money, why did it tell me I didn’t? Second, the fee is 50% of the overdue balance!!! No, thank you.
I called to ask what had changed that I need to do differently to avoid this moving forward, and was patronized and told that I owe them $ 20 unless I can send them a screen shot of my account showing me a zero balance. Why would I lie about $ 20, let alone $ 43? Challenging my character and avoiding my questions is not the way to go about keeping me loyal — or keeping me at all.