First Command Bank

I love my bank! First Command Bank offers superior service whether it’s at the teller counter, on the phone or online. They offer competitive rates for all banking services and I’ve never been charged any unknown fees. They also helped me re-​fi my morgage and offered a competitive rate for a car loan. I’m customer for life and wouldn’t bank anywhere else.

As with other Unilocalers I’ve been a happy customer of First Command for financial planning. The bank is a COMPLETELY different story. I would not recommend using this bank as they are not easy to do business with! Online banking is certainly not new, but these guys simply haven’t figured it out. The website is clunky, T’s&C’s are unclear, fees are too high, and basic cash management functions are too hard.
Having to make multiple requests to complete a basic change of address is crazy. The challenge in setting up basic EFTs and transfers is far greater than most others online banks (or at least any others that we use). On occasion we had to complete transactions using other banks because this one was too inflexible or incapable.

I use First Command locally for financial planning services. I love it. However, the actual bank in Texas is a complete nightmare to worth with. I knew it wasn’t going to be easy because of the distance and time difference which is why online banking is convenient. But when the terms and conditions are not CLEAR to the customer, it can create more chaos with your finances than good.
Note to others: If you are set up to do interbanking transfers, set the date at LEAST 5 days after the day you INTEND for them to withdraw it. My understanding as far as setting up transfers is that the day you tell them to withdraw it is the DAY they take it out. NOT 5 DAYS BEFORE! Thanks to overdraft protection I didn’t have fees to pay.
Rather than have First Command take the money out when they feel like it, set it up with your local bank to send the money to them. Let First Command WAIT the 5 days to get the money. At least you know you’re covered and you KNOW EXACTLY when your money will be sent or taken out of your account.
Going through this all over again reminded me of why I never used them after the first initial time over 5 years ago. I left a savings account open there but had a very very low balance. Now that I’ve done some planning and utitlizing them for a collateral loan at a low rate, they way they want to get paid screwed me up.
I can’t wait to get this stupid loan to get paid off so I can get my collateral back.
UPDATE 10÷26÷11: After going back and forth with FCB for hours, I finally cancelled ALL my interbanking transfers via FCB. I was able to set it up with my credit union and pay them as if they were a «bill» and have the money draft out of my account ON the day I WANTED. FCB can WAIT 5 days for my money. LOL! HA! I WIN!