Independent Financial Craig Dr, Mckinney

I have banked here since they built the building years ago. Very, very nice people. Please know it takes more than 2 weeks to receive a replacement debit card which is extremely inconvenient and down right ridiculous. Otherwise it's a great bank.

My initial experience with this financial institution was less than pleasant. Independent Bank of McKinney, Texas acquired my former financial institution, NorthStar Bank in early 2017. The systems conversion was completed over Columbus Day weekend (October 6 - 9, 2017). Upon accessing my accounts online for the first time after the systems conversion, I discovered that my checking account was not available via the online application. I could view my other accounts, but not the checking account. I contacted Independent Bank’s Corporate Office in McKinney (as this was the only phone number that I could find on their website). I was told that the Customer Service phone number was “offline” due to the high call volume (for those who do not know, this is NOT a good omen). However, the person took my name and number and said that someone would contact me. A few hours later, I did receive a call from a bank employee who (for reasons not known to me) believed that I was locked out of my online access. I explained to her that I was not locked out but that my checking account was not visible. She said that the account could be added back, but probably not that day. Again, not a great experience because I did not make my account disappear. The employee said she would check on a couple of other things and call me back. I never heard from her. I had to call corporate a second time and on the second try was connected with a knowledgeable employee. This employee began reviewing my accounts and within approximately 15 minutes was able to get my checking account added and visible via the online system. I am giving a four star review due to the actions of this employee, otherwise this would have been a one-star (or no star) review. I hope that the relationship with this financial institution will be four or five star going forward.

This is the worst bank ever in 3 months I have had my bank account emptied ( stolen ) and I have found out it is the banks falt. It takes them a month to return your money. They have no fraud prevention. Do not bank with this bank.

The people that work at this location are always nice. Their ATM is the worst, though. Half the time I go there the ATM doesn’t even exist. It just isn’t there. When it is there it doesn’t work.

Great bank, great people, great rates. My kids love getting candy every time we go. Only wish is that the ATM could take deposits during off hours.