BBB Business Review

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Full service banking solutions to both military and civilian clients. Products include checking, savings, certificate of deposits, IRAs, consumer loans, mortgages, commercial lending and more.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Armed Forces Bank N.A. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Armed Forces Bank N.A. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 23 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

23 complaints closed with BBB in last 3 years | 8 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 9
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 13
Total Closed Complaints 23

Additional Complaint Information

Number of complaints listed above is a company-wide total involving all bank locations over the past 36 months.  Armed Forces Bank has locations in Missouri, Kansas, Colorado, North Dakota, Wyoming, Illinois, Texas, Florida, Virginia, New Jersey, Kentucky, Georgia, Alabama, Nevada, Arizona, Washington, and California. 

Customer Reviews Summary Read customer reviews

1 Customer Review on Armed Forces Bank N.A.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: December 14, 2000 Business started: 01/01/1997 in KS Business incorporated 07/22/1988 in KS
Type of Entity


Business Management
Mr. Don C. Giles, President Mr. Paul Holewinski, CEO Ms. Christina Berney, Customer Service Manager
Contact Information
Customer Contact: Ms. Christina Berney, Customer Service Manager
Principal: Mr. Don C. Giles, President
Principal: Mr. Paul Holewinski, CEO
Related Businesses
Academy Bank, N.A.
Business Category


Service Area
Armed Forces Bank has branches in Missouri, Kansas, Colorado, North Dakota, Wyoming, Illinois, Texas, Florida, Virginia, New Jersey, Kentucky, Georgia, Alabama, Nevada, Arizona, Washington, and California.  Corporate office is located in Kansas City, Missouri.
Alternate Business Names
Armed Forces Bank of California Dickinson Financial Corporation
Business Management

Dickinson Financial Corporation (DFC) is a family-owned financial institution based out of Kansas City, Missouri.  DFC operates as Armed Forces Bank N.A., Academy Bank A Division of Armed Forces Bank N.A. (MO & KS), Academy Bank N.A. (CO), Sun Bank (AZ), and Southern Commerce Bank (FL).


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.