Dispute First Convenience Bank Fees In 4 Steps
Banks have been around since the first currency was minted. Today, banks are used all over the world, and hundreds of millions of people use these establishments to help keep their money safe and organized. Many people put money into an account to save money. But it is hard to save money when to use their services.
If you are a customer of First Convenience Bank, you could be charged fees without even knowing it. Here is a look at the different that you could face when you use their services.
About First Convenience Bank
First Convenience Bank is a division of First National Bank Texas. This bank has more than 280 branches that are located throughout the southern part of the United States. You can find a First Convenience Branch in New Mexico, Arizona, and Texas. They also have over 400 ATM locations.
First Convenience Bank Services
First Convenience Bank offers a wide range of products and services to its customers. Some of the services they provide include:
- Digital Banking
- Debit Card Services
- Credit Cards
- Certificate Deposit (CD)
- Personal Checking Accounts
- Saving Account
- Business Checking Accounts
- Secured Loans
- Unsecured Loans
- Personal Property Insurance
First Convenience Bank Fees
Some services that First Convenience bank provides are free. However, there are other services that require the customer to pay a monthly fee.
Here is a look at the different services that this bank provides and what fees are attached to each.
- Monthly Maintenance Fee
If you have a Power Checking account, you will be charged a monthly maintenance fee of $12.
You can do one of three things to have the fee waived.
- You have to make a direct deposit of at least $100 into your account each month.
You should have a balance of at least $100 in your account every day. You should make at least eight purchases with your debit card each month.
- Overdraft Fee
If you do not have enough money in your account to pay the full cost of a transaction, First Convenience Bank may cover the remaining balance. However, your account will now be overdrawn, and you will pay a fee.
Every time you overdraft your account, you will be charged a $34 fee.
- Negative Balance Fee
If your account has been overdrawn for seven bank days, First Convenience Bank will charge you an additional $34.
This financial institution considered a "bank day" to be any day that the bank is open. First Convenience Bank is open seven days a week and is only closed on Christmas, Thanksgiving, and Easter Sunday.
- Non-Sufficient Funds Fee
If you do not have enough money in your account to complete a transaction, the bank may decide not to pay for the remainder of the balance. If this happens, the item will be returned and will not be paid for. You will be charged $34 for each return.
- General ATM Fee
First Convenience Bank has ATMs located throughout the country. If you use an ATM that is not owned by this bank, you will be charged $2.50 per transaction.
How to Fight First Convenience Bank Fees With the Help of DoNotPay
If you feel that First Convenience Bank has you for a service, DoNotPay can help. We can send a letter to the bank on your behalf and help you dispute the charges. If you would like to fight First Convenience Bank's charges, simply follow these three easy steps:
- Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.
- Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.
- Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.
DoNotPay Works Across All Companies and Financial Institutions
Not only can DoNotPay help you dispute charges with First Convenience Bank, but our services are designed to work for any bank or financial institution.
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