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Ripoff Report | FIRST CONVENIENCE BANK Review - Lufkin, Texas
Report: #1306372

Complaint Review: FIRST CONVENIENCE BANK - Lufkin Texas

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  • Reported By: Shaun — Diboll Texas USA
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  • Category: Banks

FIRST CONVENIENCE BANK First convenience bank, first national Bank Charged me over draft fee when I had the money. Also very disrespectful bank Lufkin texas

*Consumer Comment: How do you know?

*Consumer Comment: One Question

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 I had a check sent back for $2 when I had the money in the bank. After a week it showed me how much money I had left and once I paid the $2 they sent it back. I had $16 left in the bank. The company charged me $25 and the bank charged me $35. I have been having problems with this bank ripping me off from day 1.

This report was posted on Ripoff Report on 05/18/2016 02:11 PM and is a permanent record located here: https://www.ripoffreport.com/reports/first-convenience-bank/lufkin-texas/first-convenience-bank-first-convenience-bank-first-national-bank-charged-me-over-draft-1306372. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Comment

How do you know?

AUTHOR: Robert - (USA)

POSTED: Wednesday, May 18, 2016

You said the bank returned a check for $2 even though you claim you had the money in the bank. So just how did you know you had the money?

My guess is that you were not using a Check Register and instead relying on the "on-line" banking which only shows what items have been submitted to the bank.   How do I know this...because you stated after a week "it" showed you how much money you had left.  "It" in this case was their on-line or automated banking.  It was NOT your own written check register.

Now, I will tell you that there is probably more going on here than you are saying.  Because while a bank has the right to return a check for NSF, doing it over $2 is very rare.  This probably means that you have a history of NSF checks and overdrafts where they are finally getting tired of it and are just going to start rejecting any checks that put you into overdraft.

This is NOT a RipOff on their part.  The only RipOff here is your failure to maintain your account.  If you don't have or know what a check register is then go to your local branch and talk to one of the account reps.  They will be glad to provide you with a written register and probably even give you a short lesson on how to use one.  Then it just becomes a simple matter of you not attempting to spend more than you have available.

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#1 Consumer Comment

One Question


POSTED: Wednesday, May 18, 2016

 What does your CHECK REGISTER say on the day of the overdraft? I'll bet you don't even keep one, do you? You check an on-line balance which is NOT accurate. There's no rip off here. You don't keep written records and maintain an on going running balance so that you know for a fact how much you have in the account! This is the same reason for everybody who comes here to whine about overdraft fees!

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