Reviews
This profile includes reviews for 1st Financial Bank USA's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 7 Customer Reviews
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Review fromTom D
Date: 03/17/2025
1 starIve been a customer for almost 20 years, and I have always paid by check and send out my payment a week before the due date. This past year my checks have been processed a day after the due date, and I have been accruing late fees. When I called to complain, they blamed it on the post office and said that there is nothing they can do about it. I am suspecting that there is some sort of financial fraud happening but of course cant prove it. I even sent in my check 2 1/2 weeks early one time and it was processed three days later. So I guess they have no problem. Processing my check when its two weeks early but not two days before the due date.
1st Financial Bank USA
Date: 04/09/2025
Dear Mr. ************************ you for your feedback. Your comments have been forwarded to our management team.
We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on April 9, 2025, we sent a detailed response to you via **** Priority Mail.
If you have any questions, please contact us at **************. Thank you.
Executive Response CenterReview fromMartin B
Date: 03/29/2024
1 starPredatory to youth and manipulative lending practices. Ridiculous interest rates and started charging annual fees without my knowledge!1st Financial Bank USA
Date: 04/03/2024
Dear **************:Thank you for your feedback. Your comments have been forwarded to our management team. We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on April 3, 2024, we sent a detailed response to you via **** Priority Mail. If you have any questions, please contact us at **************. Thank you.Executive ***************Review fromJayden H
Date: 08/11/2023
4 starsI got the card as my first time trying to establish credit I haven't had much of an issue with the services I've never been placed on hold when I've had to call in they helped me when my card was stolen the Interest rate is high but if you can manage well its not a bad first card my only complaint is that if you miss a payment by a day you do get better 5 to 15 calls a day from them I'd understand 1 or 2 as a reminder but some calls were 10 minutes from eachother over all if your smart with you money it's a good bank1st Financial Bank USA
Date: 08/28/2023
Dear ****************: Thank you for your feedback. Your comments have been forwarded to our management team. We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on August 28, 2023 we sent a response to you via **** Priority Mail. If you have any questions, please contact us at **************. Thank you. Executive ***************Review fromJustin P
Date: 07/05/2023
1 starI agree with the majority of the people who have written reviews. Absolutely awful. Horrible interest rate. Stay far away from it. They are a bunch of crooks. Worst card I have ever had. DO NOT GET THIS CARD! They refuse to lower their greedy rates too. Terrible!1st Financial Bank USA
Date: 07/11/2023
Dear Mr. Preuss:
Thank you for your feedback. Your comments have been forwarded to our management team.
We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on July 10, 2023, we sent a detailed response to you via USPS Priority Mail.
If you have any questions, please contact us at (800) 803-5384. Thank you.
Executive Response CenterReview fromCindy W
Date: 01/20/2023
1 starI was set up on payment plan but I was to contact them and set up another 12 months. It is my fault that I did not set up the next 12 months. With that being said they call me constantly while working and when I try to log in website I get OOOPS you must call. I do not want to call, all I want is for them to contact me through email. Can not get a website that I don't have to log in1st Financial Bank USA
Date: 01/31/2023
Dear Ms. ****:
This is in response to the 1-star review you submitted to the Better Business Bureau regarding a payment plan you set up.
We have no record that you are a 1st Financial Bank USA customer or authorized user of another customer’s account nor do we have any record of having received permission to discuss an account with you.
In order to respond to your concerns, we ask that you please provide us your account number, the name on the account, and the mailing address, email address and telephone number associated with the account. Alternatively, we invite you to call us at 1-888-557-1281 for assistance.
Sincerely,
Executive Response CenterReview fromKe P
Date: 12/23/2022
2 starsI’ve had a card with them since 2007. Started to build credit when I was younger but I no longer use the card and now they have a mandatory annual fee. I was told the only way they could refund me the annual fee this Oct was if I got rid of my account. So, I deactivated my account, but received no refund and 1 month later, I see they’ve actually charged my checking account again for over an amount over $100. Poor service, poor follow-up, poor care for their trusted long term customers. It all feels like a trap. This has been very frustrating and stressful as a customer.1st Financial Bank USA
Date: 01/09/2023
Dear Ms. ******:
Thank you for your feedback. Your comments have been forwarded to our management team.
We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on January 9, 2023 we sent a detailed response to you via USPS Priority Mail.
If you have any questions, please contact us at (800) 803-5384. Thank you.
Executive Response CenterReview fromNikki n
Date: 10/11/2022
1 starExtremely predatory interest rates. They confirmed that even after my 6 year history as a customer that has never made a late payment, that they will never be able to offer an interest rate less than 32.9% - this is over DOUBLE the average interest rate for credit cards in 2022. They give credit cards to everyone who applies because they know they will make money off of them eventually. This card has an annual fee, no rewards, cannot offer lower interest rates, and does not care about customer loyalty.
Also, the website is not compatible with Chrome, but even in Edge it is not a very user friendly site. Their update they made earlier this month did improve how the site looks, but navigating it is as hard as it has always been and some of the pages simply just do not load, likely due to a lack of investment in their online infrastructure.
Save yourself the nightmare and sign up for any other credit card that exists other than this one.1st Financial Bank USA
Date: 10/21/2022
Dear Ms. Diantonio:
Thank you for your feedback. Your comments have been forwarded to our management team.
We here at 1st Financial Bank USA pride ourselves on providing outstanding customer service. In order to protect the confidentiality of your information, on October 20, 2022 we sent a detailed response to you via USPS Priority Mail.
If you have any questions, please contact us at (800) 803-5384. Thank you.
Executive Response Center
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