★★★★☆
So we have a payee account set up here at this bank for me adopted special needs sister she is 36 with a 5th grade mentality.
Occasionally we have shopped online and had some fraudulent charges hit our account. 1st time charges were reversed but a new card was not issued Then the same company hit our card again for a second time and I requested a new card but they did not want to reverse charges. This was a 3 month ordeal. The 100$ charge took a fair amount of phone time and 3 month to refund. I spent several hours trying to call merchant to get funds back but co was not reachable Now 100$ is not that big of a deal but she is on a very fixed income and its about the principal here. They have blocked the ability for her to purchase online through Temu which we got a Netspend card for that but it's principle here. Plus she was out the 100$ dollars for 3 months. And when I requested a new card they didn't even cancel the card so this problem was destined for a third charge. It took 10 working days to get that second card all the while she had no way of using her money, taking into consideration that this out of country company was set to hit the card again for a third time, so with all of this being said the first time the account was hit the card could've been canceled and a new one re-issued they did not do that, thinking that was a bit strange we did not push the issue but when it hit a second time and then they did not want to refund the money saying that it was not fraudulent that we knew of the charge because we had had it previously, and then it to tie up her money, leaving her unable to purchase anything Just not a very good way of doing business in my opinion and I'm just not happy with the bank and and of course I cover whatever it is that she needs, but my whole goal here is to make it so that she can survive without me and with a bank like this she would've had three months with not being able to access her money all I just don't see how we can have confidence that this bank is going to take care of her and she would've had a very rough time trying to navigate through disputing this charge and we're looking for another bank over it. It's very scary to think that if something were to happen to me about her, trying to navigate through some of these should be seamlessly simple things, I had just hope for better service for her for that I would be taking my business to navy federal credit union but they do not do federal accounts like that for you know a payee through Social Security so hate to leave this review, but I think people need to be aware. And then to top it all off, we can't even get in and access the mobile banking. It says user disabled, so this bank has been very frustrating and has caused quite a bit of grief for us. I just do not feel confident in this bank, managing her money and helping her manage money For her even getting her money I hate to say that because we really wanted to kind of keep it local, but I am looking for her another bank being that she special needs she can't just drive down to the bank to withdraw money and having to wait 10 days for another card Separate occasions plus them tying up the hundred dollars you know Social Security disability does not pay a whole lot and this is just huge for her and these are the issues that I get most concerned about for her trying to navigate through life without me and I can't bank on this bank no pun intended love and light
★★★★☆
I'm very happy with Arrowhead. They gave me a chance, and the ladies at the Llano branch have always been exemplary. I am a small fry so I'm subject to fees rtn, as I don't have the minimum in there (I will within a few wks tho!); however, their customer service is topnotch. Even tho I recently moved to MF, I still call the Llano office when I have a question. I've had terrible luck with big, corporate banks and apparently was also a recipient of a class action lawsuit because of their insidious fee structure--something my ex dealt with from another major bank. It's as if they look for ways to take advantage of folks and there's nothing you can do about it--but not Arrowhead.
I'm on my way to medium fry.
Thank ya'll!