When we first moved here we got bank accounts at a local bank because the bank we had before (Bank Of America) the closest one was about 30 mins away. They (the local bank) had great service, were very friendly and helpful. The thing is.....they are a crappy bank! It takes forever to do bill pay, takes forever for transactions to show up etc! At the bank we had before they went in instantly. Now 3 times in the past week I've had my bank card declined. Now if I did not have money in there I could understand it. It's quite embarrassing when you are tying to pay for something and have it declined. Now at my job at Walmart.....I see lots of customers using the same bank card that I have. They have problems with it also. Just yesterday a woman came in and tried to pay for her purchases and she was declined. I waited while she called the bank and checked her account. They told her she had plenty of money in there to cover it. I tried again to run her check and no go. It would not go through. So I had to suspend the transaction while she left her whole cut full of stuff at customer service. She went to the bank which is very close to Walmart. She had to come back with cash.
Small town banks may seem nice and pleasant but they may not be up there with the national chain banks. Their online banking is lacking as well. We both rely on online banking.
So anyhow....back to what I was saying. I went to get gas and my card went through. I decided to stop at the Bank ATM at the bank and check my balance. It said I had .30 in there!!! I wanted to go to CVS but instead I went home and got online. I had plenty of money in there. So I go to check out this natural foods store to look for some vitamins. My card is declined on a $7 purchase!!!! So I go back to the ATM and see if I can take money out. Nope, it won't let me. I hate not being able to have access to my money that I have in the bank. It sucks! So I go back home and get online again. It still says I have plenty of money in there. I call the bank and do a balance check which is a recording but it tells me that I have the same balance that I have online. I am very mad by this time. So now I'm online looking for a bank here and is not just local. State Farm is the only one I can seem to find that may be national or at least not local. I know....I thought State Farm was just insurance but no they have lots of other stuff too. Anyhow I'm still researching this stuff. I shouldn't even have to be doing this. I just want access to my money that I have in the bank.
Blessings to y'all