Best Bank ATM

BestBank survival guide:\r \r Bestbank is an odd one. When I signed up for 3 free checking accounts, I asked them how they make money.\r I asked if they made loans. They said no.\r I went to their website and sure enough they don't offer loans.\r They make their money in fees when you overdraft your account.Or when you don't read the rules very well.\r They do stretch out deposit times and they don't forgive much when you screw up. Living on fees, they really can't.\r So if you are a person who lives near the monetary edge with your bank you probably aren't going to have a good time at Bestbank. Especially if you compound that with automatic drafts of any kind.\r \r Knowing that, here is my advice to having a relatively decent time with this bank:\r \r #1 Don't overdraft (ever). When you get below $100 bal, add some.\r \r #2 Allow up to 7 days for deposits unless they are cash. Cash is the only way you get immediate deposit credit and do it in person at the counter, not through any machine.\r \r #3 If you do overdraw, do what I call ""Power Fixing"" it.\r Don't just stuff close to what you anticipate you will need to cover the overdraft and one or two fees. Add at least $100 more than you imagine to get ahead of the fees and things that will be chasing you if you cut it too close. Surprise is a bad thing here. You can always pull it back out once the dust settles.\r \r #4 Don't use any service features beyond the debit card. Don't use ATMs and don't sign up for misleading protection services. Keep it simple... well endowed free checking with one debit card and limit auto-drafts.\r \r #5 Make diligent use of their online account management system. It can be off line some days but usually not more than half a day. You will be amazed what happens when you don't watch your stuff. Kind of like driving a bus down a mountain road with a blindfold on.\r \r #6 Don't get upset with the level of employees they staff the locations with. Remember mama is in Wisconsin and these are not full service banks. They like to visit and talk while you wait sometimes. \r \r That said, the convenience they offer is outstanding if you watch the stuff I mentioned above. If so, you should have few problems. I've been using them for the past 2 years without a problem except I over-drafted once but I already knew to use cash, in person and quickly to make the ""Power Fix"" deposit.\r \r Remember they only have fees to pay for their brick and mortar presence. It's not too hard to figure out. You just have to understand the animal to keep from being bitten.\r \r BTW, ""real"" banks are just as bad or worse, IMO. Ain't none of them going to heaven.\r \r \r more

DO NOT BANK WITH BEST(WORST) BANK. They are literally the worst bank ever! They hustle people out of their money and purposely rip peopl off! I was warned not to bank with them because they find ways to overdraw your account. I thought I would be okay because when I signed up, I told the representative to put over draft protection on my account. My account still ended up being overdrawn and the charged me 28 dollars everday it was overdrawn. I didn't use my account that often; only for business transactions. Therefore when I got paid $500 for a business transaction and checked my account, I was overdrawn 300 dollars. I couldn't believe it. When I called and asked what was going on, the customer service was horrible and the reps had bad attitudes with me like I was bothering them or something. They then told me that an $11.00 internet transaction put me in negative because they charged this account without my consent. Therfore it wasn't even my fault. When I explained to them that I was supposed to have overdraft protection, they told me that it only works if I try to withdraw cash from the ATM!!! Like duh! If you don't have money in the bank you can never withdraw cash from the ATM anyway! With any other bank overdraft protection means you will be protected from an overdraft!! This situation has been very inconvenient for me and I feel like best bank has stolen hundreds of dollars from me. I will be getting my lawyers on this ASAP! more

This bank is a big old rip off My account was 7.00 overdrawn. by the time i got notified or reliazied myself. Three days passed I got to the bank and was told my over draft fee was now 150.00 asked to close accunt or stop fees so I could bring current. Would not do this so it went up 30.00 a day until it maxs out. WHAT A RIPOFF BANK more

This is bank that I wouldn't tell a sole about. This bank practices is to pretend that they are helping the customer, but they aren't they are putting the customer in more debt. Recently, I was not notified about their fee changes. I had an unauth. payment hit my account; it happens and many banks will just reverse the transaction, however, the new fee policy allow the bank to charge you $28.00 a day if your account is overdrawn, now mind you--I dont use the account that much only to make periodic transactions. I happen to go into the bank to make a transaction and found my account was in the negative. I said WHAT! Yes, based on one transaction. Now here is the funny thing. They were willing to reverse the one fee of $37.00 for overdraft, but was not willing to reverse the daily fees of $28.00 a day. My account was negative $120.00. I ask to close the account they said--not until I bring it to a zero balance. I said Im not paying this...I was never informed. I visited the bank as of todays' date no notification. Now this something that so called took effect Feb 23, 2012. It's not more than 30 days--why wouldnt it still be visible on their site. They always want to hold your checks for every little thing. DO NOT BANK WITH THIS BANK! RIP OFF! I only used this account for business banking. I have a personal account with a credit union. I wanted to separate my banking period...so, I chose this one...cause other banks like Chase is not any better. Chase charge you to redeem money from an account (Check) that was wrote you. If you are not a member of their bank they charge $6 per transaction. Rip off too. Some of these banks need to be put out of business---it is highway robbery! Stay away from Best Bank though!!!! This bank is not even worth rating but you have to publish on this site. So, trust I would not give it a half a star! more

Had this bank for a few years cause they were in the local Kroger and I wnated to local bank to go with mu primary USAA (excellent). We only have one small direct deposit come into this bank and cashed local checks. Just noticed the other day the account was overdrawn cause wife wrote a check and used this account rather than our primary. No problem sent over the funds to cover it. Took 3 days through EFT!!! Got hit with high overdraft charge ($37) send more over to cover it and now I am getting hit for $10 a day for overdraft!! While I am waiting on their system to cycle my payment. Cancelling this bank and just using our USAA and NavyFederal(both are excellent with Navy getting the nod over USAA). Shame on Kroger for letting this second rate bank into their locations, get a real national bank not these pretenders. more

I have had nothing but wonderful interactions with this bank. Their hours are amazing and I can grocery shop and bank @ the same time. Always very friendly! You just have to know their rules, which are not many, and you will enjoy many hours of happy banking! more

Like so many others, I was suckered in to opening an account due to weekend (especially Sunday) banking and after hours bank. Now only 1 bank withing a 50 mile radius of me is open on Sunday, and it's quite a drive. Also, customer service is simply gone. In the midst of one of the worst ice storms in recent history, I called Best Bank to see if their branches are open before hazarding a dangerous drive down a 2-lane road where there nearest branch is located. 45 minutes before the bank is scheduled to open and customer service cannot tell me if the branch will be open. They tell me to call back at 10:00 to see if the branch will be open, but THAT is their scheduled opening time. Hello? What is the point? I need to BE there when it opens to make a deposit because you were CLOSED yesterday, preventing my deposit. My account is now negative because the branches closed yesterday without any kind of notice at all. Unlike other banks and credit unions who care about their customers and their customers' safety, there is NO alert posted on the Best (Worst) Bank website, nor is there any mention of a possible closing in the AJC. Clear Coverage? Not an option since my account is now negative due to their closing yesterday. They can't sign me up. ATM Deposit? Not an option -- there's a THREE DAY DELAY in ATM deposits. Are you kidding me???? Online deposit like at my credit union? NO SUCH THING at WorstBank. Scan-to-deposit or cellphone-picture check deposit like other banks? NO SUCH THING at WorstBank. I've given this poor excuse for a financial institution chance after chance to be worthy of my business, but have had enough. I'm closing my account today. I would highly discourage anyone from doing business with this JokeOfABank. Find a real bank instead. more