First Citizens Bank

This is a bank which recently opened branches on the west coast, specifically Oregon. They are headquartered in North Carolina. Our experience on both the personal and business side has been horrendous. Policies are onerous at best and fees for everything are either outrageously high or unwarranted when compared to other community banks. Merchant services are non-existent after close of business on the east coast. The bank needs to adapt to the fact that the west coast is three hours behind the east coast. Be careful as their automated customer validation system allows your information, including social security numbers, to be easily hacked or appropriated. Even though they have been made aware of this, they refuse to adapt their system. As a result of all this and more, we are obviously changing banks again. It has been both a frustrating experience and a tremendous waste of time after giving in to so much marketing hype. Spare yourself the effort. You can't judge a bank by its outward trappings.

I can't say enough good things about First Citizens. We LOVE them.