First Security Bank

This is a great financial institution for those on a budget and needing a free checking account. The staff is always very friendly, and they are always very helptful with my banking needs. I do hate that when I write someone a check, they are forced to go inside the bank to cash it, but a lot of banks are doing that now and it’s understandable for security purposes. Overall not a bad bank at all. The only thing that I really find offensive with this financial institution is their policy on overdraft charges. They love to preach how they are a local bank and care about their customers but this really isn’t the case when it comes to overdraft charges. For example I noticed a review from this older woman on a fixed income. She had used bill pay every month and always chosen the 3^rd for her withdraw date for her local utility bill. Well one month while trying to choose a date on the calendar she made a mistake and chose the wrong date which resulted in a few overdrafts on her account. When she attempted to contact the bank after being a long standing customer they refused to refund the overdraft charges. Now for a senior citizen who was a good standing customer and could clearly show the bill withdraw date every month as being the same it was a simple mistake and the bank could have easily accommodated her as a one time courtesy like most other banks would have but they chose not too and for that reason I have lowered their rating. Don’t preach home town values and locally owned and how you should bank with them because they aren’t like the big banks when it comes to things like this and yet don’t keep your word when even Bank Of America would have taken care of a situation like that as I know from personal experience.