App Profile: FNBT & FCB Mobile

Fossil8

Rating: 5/5

Most people loathe dealing with their banking institution, their apps, and related services. But when I say that First National Bank of Texas/First Convenience Bank run circles around all other banks I’ve been a customer of, I really mean it. They’ve prevented unauthorized purchases on my account (no fault of theirs) because they know my spending habits. It’s been so easy every time I’ve had to visit a branch to get a replacement card; their app is by far more superior than any other bank (from my experience); and their customer service has been too tier. Oh, and when I needed to open up a new account for direct deposit for a new job, they didn’t need to run my credit or require a minimum deposit. No, they aren’t paying me to say all these things. And if you take a look at my reviews, you’ll see that I rarely review apps, only if they are really good, or extremely horrible! Keep up the awesome job FNBT!

TharaManny

Rating: 1/5

I used to really like this bank, but recent changes have made my experience frustrating. The updated mobile app has a new layout that I find difficult to use and not as user-friendly as before. Additionally, it seems there have been changes to the bank’s policies. Every representative I’ve spoken with now asks for extensive personal information—Social Security number, state ID, date of birth, and full address—even for simple inquiries. I don’t feel comfortable sharing all that information over the phone for something as basic as a question about my account. I originally called to get an estimated delivery date for my replacement debit card. I’ve had to request the card multiple times now—this is my fourth attempt. Each time, I got different answers: one rep said it would arrive Wednesday or Friday, but I’m still waiting. I even went to a local First Convenience Bank branch, and the teller there submitted another request for me. Still no card, and it's been almost a month. To make things more confusing, the local teller told me that a card is automatically deactivated if not activated within 10 days. But when I spoke to a phone representative last week, he said it stays active for 30 days before being deactivated. These inconsistencies are really frustrating and make it hard to know what's actually going on.

rsp823

Rating: 5/5

I have banked with 1st Convenience since the early 2000’s. I used to call back in the day to get my balance and listen to a list of transactions, but the mobile app has put convenience and efficiency right at my finger tips. I can get all of my previous information and more. My daughter and son-in-law both bank there as well. There is not more “you owe me this” or “I owe you that.” We now do that on the app with account transfers. I can also turn off my debit cards which is very convenient for loss or other. I also like that my phone notifies me the minute my card is used. I helps me keep track of purchases. I would highly recommend this app and the bank to anyone and everyone.