| rev:text
| - Long review warning:
One of the worse experiences with a "bank" I've ever had.
While trying to rebuild my credit, I was advised to open a secured credit card with this branch, however they required me having an active checking account with them first.
So I opened one.
Then they told me I'd be approved right away for my $300 secured card.
They denied me immediately, but only after they got me to open an account with them.
I decided it wouldn't be a bad idea to just keep the account, maybe it would help having them reporting positively on my damaged credit.
As of today I've used my debit card only a handful of times making small purchases.
What I wasn't aware of was that they charge a monthly fee unless I used my card like 25 times a month or if I set up direct deposit with them (this was something that wasn't discussed with me when I opened my account)
This first monthly fee hit my account right after one of my small purchases was made, this caused my account to go negative.
Then they added a second fee of $32 to my account since it was now considered deliquent, THEN a $20 overdraft fee on top of that.
All of this was going on without my knowledge.
A month went by and out of the blue I got a statement in the mail saying I owed over $94 and that my account was closed by the branch that opened it.
I was like "what? How could I owe money since I rarely used this card?"
After speaking with a phone rep, I was transferred to this branch(where my trouble first started) they answered "yeah, hello, what did you need?"
I asked is this midfirst?
The bank associate said "yes, what was your question?"
I explained what happened and how confused I was.
During my conversation the branch associate apparently handed the phone to someone else who didn't seem keen on introducing themselves either.
This nameless associate told me that I had to pay the full balance before she could assist me, then I would need to reach out to the midfirst headquarters and ask if I could reapply for a bank account...what...the...frick!
In actuality having this account worsened my credit, it seemed quite clear that this bank brand and it's associates has zero concern with keeping customers.
Overall conclusions: Midfirst might be a good bank for some but this branch is a God awful representation of its customer service, it's willingness to keep customers, and refuses to consider the main premise of customer focus or appreciation.
Oh but on a positive note they hand out orange flavored suckers when you visit the branch...I guess that is their subtle way of displaying how much of a sucker they consider us to be.
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