FCB Banks Edwardsville Rd, Troy

I understood and understand the pressure banks are under with the rates at an all time low and hundreds if not thousands of refi applications waiting to being processed. My experience with FCB in Troy IL has been the worse ever. I tried to do something different by supporting a business that’s local and not deal with lenders in another state and FCB has failed me miserably. I’m a 25 year retired vet with excellent credit who tried to refi with cash out for a home project and it took 90 days for me to reach out to FCB with no results. I called at the 30, 60 and 89 day mark with little to no communication in return. There were nothing but empty apologies and no real action when I finally received some sort of response. When you’re wrong, you’re wrong! It seemed as though I was a bother when I was trying to give you my business. Even after receiving negative results on the cash out portion, I was still willing to just refi at an excellent rate FCB offered. It’s going on day 97 with no communication or results after the rep stated that he would personally drop off the refi information in my mailbox on his lunch break. I’ve yet to receive the info! Needless to say I went elsewhere and got the cash I needed for my project and it took only a week. If I would have known that my business wasn’t serious enough for FCB, then I would have just stuck with my lender that’s in California who originally offered me the same great rate but less red tape since I’m already a prior customer. All I got out of FCB is a lesser credit score from checking my credit and a bunch of other lenders checking my credit contacting me left and right asking for my business as if FCB sold my information. I’m not sure if that’s the case but I’m very disappointed with FCB. I’m glad I’m not a member.

This FCB charges you $10 if you want a new debit card. My daughter lost her purse so she put a hold on the card. A nice person found her purse but the bank charged her to replace the card. Bad business especially when she has a substantial amount of money at the bank.

I've been doing business with FCB bank for over 28 years and I've always had the BEST experience

I was never informed that you could only make 6 transfers from a checking account per month, so when I kept going over the allowed limit, instead of giving me a warning, they disabled my online banking transfer function. I cant do anything online or on my phone/app (except for check balances) for a year. When confronted, they simply told me it was in the multi page agreement packet I signed. I will be finding a new bank, because this one is not worth while.

Nathan always goes above and beyond for his customers!!! I wouldn't bank anywhere else..