I have never had such strong customer service and great communication skills as I did when I worked with AF Bank. I decided on a Friday night to buy a house, a realtor that uses AF Bank connected me with Jim Wallace, and I had tentative approval by Sat afternoon and letters of approval for the seller by Sunday. Jim called me on weekends, in the evening and had his team email or text me routinely. They walked me through signing the docs electronically and reminded me when I hadn't finished a task. I close on my house today, just 3.5 weeks after starting the process. I attribute my successful transaction to Jim and his team. Thank you! read more

Can't deposit a check through the drive thru because no one answers when you press the button and defeats the purpose of using the drive thru to do transactions instead of going inside. And this seems to be a common issue since this has happened to me several times this year so far. Don't have a drive thru if not going to staff for it, and why pay all those employees if they are not willing to do customer service - because I seen an employee see me and she just kept walking away. read more

I went with them because I was stationed nearby and they gave me a start up loan (desperation). I stayed with them for a hot minute because its just a nuisance to switch banks. But they have become a total and utter nightmare for me. When my debit card expired they made me jump through hoops to get a new one. I should have left back then. Now im moved away and im trying to deposit a mobile check and I needed to increase my limit. They cant even do that. And theyre intrusive, customer service rep had the nerve to ask "and is this money coming from tax returns?" These guys are a total joke. Stay away from them. They have no business being in business. No wonder they cant deposit my check, they probably dont even have funds. read more

This "bank" is horrible. They closed my account, and I didn't find out until I tried to use my debit card. Claimed they "no longer want to do business with me" when I called to inquire about my account. Apparently, they closed my account due to "language" I used in response to an employee who cursed at me over the phone when I was talking to her about a legitimate dispute that was denied. Do not recommend at all. Zero stars for these dimwits. read more

If I could half start, I would. Terrible customer service, they will block your services out of nowhere. Leaving you to have to get things notarized justbso they can help with your account. I had to get personal information notarized despite me banking through them is through a loan. So its almost like they approve people without verifying first. A veteran who has had them for a year and a half now has to randomly get my I.D. notarized.​ read more

Wow, what a way to take advantage of you! They spoke to us as though they were going to maintain and service our loan, but less than three weeks after closing, they sold it to a company embroiled in lawsuits for unfairly handling homeowners by not applying their payments to their loans and adding "insurance" without permission. Armed Forces is no better than the other subpar banks. I recommend going with a credit union. read more

Awful pitiful customer service, tried applying for a loan here when I was down on my luck, got approved (conditionally), I submit the required documents and NEVER hear back.. ghosted. No one responds and every time I call customer service the poor employees don't even know what's going on, I heard a different story every time I called inquiring on the status of my loan. I can only imagine a customer who actually banks with them... YIKES, I'd give 0 stars if I could, never experienced such piss poor service from a "bank" and one that targets veterans and military personnel at that; damn shame read more

First this review is not branch specific it is for the corporate management of AFB. This has got to be the worst bank out there. They say they are pro military and love their service members? Not true. We have a credit card through AFB and their customer service is a third party in the middle east. First of all how are they supporting the US military by hiring a company that is offshore?? Secondly, my husband was in Desert Shield and Desert Storm and I can assure you that that area did not want US troops over there, and in talking to younger military members this has not changed, yet AFB had a brilliant idea to hire and pay those same people. They just had a holiday, MLK day......I have to say at least 99 if not 100% of those people over there have absolutely NO idea who MLK even is. That's an American holiday. So the point being they are taking profit from the military service members who have accounts at their bank and sending that money over seas. That is extremely disrespectful and disgusting!! I just really would like an answer from corporate why this is even remotely a good idea to not support the US by having all of the customer service here, but sending money over there that members are paying the bank here in the US. Those offshore people are rude, they are argumentative and have never fixed an issue (and we've had many with this card!!) that we have called about. BUT if you call AFB customer service (US based) they advise you to call the number on your card because they have limited access to the credit card accounts because, guess what, that's what they are paying the middle east to do! I know obviously other people in the world need jobs too, but support YOUR OWN COUNTRY first!!! read more

My experience with this bank has been beyond horrible. My father, 95, opened an account there when it was Army National in the 60s (or earlier.) He gets his disability, pension and social security in there. Because he is 95 I have taken over the finances, but even with power of attorney, they will not let me assist unless I bring him to a branch to sign papers, and that's a lot for him now. On the phone, they won't even give him his balance or let us see if a payment has processed because he can't remember a "code word" for the account. He has his social security, his military ID etc. The code word is buried with my stepmother, who had advanced Alzheimer's and died in 2023. They REFUSE to help us and the branch closest to us - a distance from his home, is ony open 9-3 Monday - Thursday. Great hours, if you actually work AT THE BANK. So much disrespect and red tape for a Silver Star vet with tens of thousands in their bank (at least we think so.) They will also not allow him an online account unless he comes in. They are the worst bank I have ever dealt with. AVOID.1 read more

This is the worst bank I have ever dealt with. 1 - Their app is clunky and crashes have the time. Their chat feature is horrible. 2- I can't tell you how many times it blocks me when I'm trying to do something, and I have to call to unlock my account. 3- I've transferred money only to have it never show up or have to do so all over again. 4- Their customer service is subpar. 5- Trying to do anything with them is always a huge inconvenience! 6- They just finally now added Apple Pay in 2021...way behind the times! 7- Finally, I ordered checks in November. Never received them, never heard from the bank on it. Suddenly in December I'm getting notices the bank sent me to collections. They never once contacted me! Fed up and closing my account. read more

I would give zero but not an option. The customer service is horrible!!! I had fraudulent charges, disputed and cancelled my card, was told a new card would be issued. Skip 3 weeks now, no card, called and was told a new card wasn't issued!? Then told it could take 3 weeks to get a new card issued!? It was suppose to have already been reissued! I was dealing with a poor customer service rep, almost certainly not located in this country, and ultimately hung up on!! Called to close my account after this poor representative of this alleged good company. I was told they can't do that over the phone and I need to visit a branch! I live in California, they are on the East coast, I have to fly there to close my account!? Stay away from this bank, their poor customer service and their holding your money and making it almost impossible to break from their poor customer service and horrible business practices!!!!! read more

Worst mortgage refinance ever After making us do a ton of heavy lifting to arrange inspections and even pulling our own tax records, they had the nerve to reschedule our closing not once, twice, or even three times. 6 TIMES they rescheduled us. First time around they lost all our paperwork and the mortgage guy "forgot," so we lost out on a better rate. These guys are a complete mess...go ANYWHERE else read more

Terrible Customer Service, Took me 5 hours and 3 attempts on the phone to cancel a card that was stolen. Their hours are limited for being a "ARMED FORCES" bank and members are all over the World they only are willing to assist you during their convince. Rarely gives out loans to any of its members because you dont have a credit history, yet they are recommended to recruits of the military. Military needs to stop sponsoring them at the recruit check and say Navy Federal or Nothing because Armed Forces is the worse bank I've dealt with. read more

This bank is terrible. Do not recommend. It is not convenient or easy. I wish I had chosen a credit union in boot camp. Wasted over 12 years before I made the jump. They will hold your funds hostage and limit your ability to easily move money around. Do not use this bank if you want to actually have access to your money without jumping through hoops. read more

I got this bank about a year ago and they have made it very hard for me to use MY MONEY to buy crypto currency, they have locked me out of my account multiple times , as of yesterday I have begun to move over my money to usaa they let you buy crypto with your own money read more

Ben is an idiot, and a scammer. Wouldn't give me pre-approval without doing full loan approval. No one does that! Lost 6 houses, been two weeks still no approval. Disabled veteran, didn't need this. Did easy financing with ClearPath. Avoid at all costs!!! read more

Not noticing anything wrong with a bank is a relatively mundane standard for a financial institution claiming to help armed forces members. That said, I have been dealing with AF Bank since 1974 with a simple checking account that receives my military retirement pay. Apparently the terms of the checking account changed although I was never notified and I am experiencing a monthly service charge effective until my 3 month average balance exceeds $5000. Given my long history with this bank I asked that thee fees be waived. AF bank response was a flat NO! So will be changing to a no hidden fees bank - one with less predatory greed. read more

I've had armed forces bank since I joined the army in 2010, but I'm done with them after doing a mobile deposit. The money went into my account the next day and then was removed, so I called to find out why and was told I have to wait a week for the money to be available. How can a bank do that like people don't have plans or bills to pay. As soon as my check clears I will be pulling all my money out and be done with this bank completely. read more

If you join the U.S. Army, you may very well be pressured/forced to have your direct deposits go to AFB when you are in reception if you do not come with a completed DD form. Even if you have one (I did), you might still be convinced to open an account. Don't do it. Absolutely do not do it. They will fuck you. And no, you will not like it. Storytime: When I was at PLDC, or whatever they renamed it to after 2004 or 5 or whenever they renamed it (I think it was Warrior something or other), they took everything from you and you did not have time to do anything anyway because you were sequestered at camp for the duration of the course. Anywho, I got back and check my statement and some unabashedly bogus charge (only one) for the month was on there on my AFB account. I say "what the fuck," and go on with my life as it was only like 30$ or so. Next month: same charge, same assholes. I call said assholes. Number that only takes messages. I call at another time, thinking that maybe the HST may have lead to non-office hours; phone # that only takes messages. I call AFB and they inform me that I will have to pay 50$ or 60$ or some bullshit amount for them to "investigate" the claim. What? I am telling you that it is bogus; stop them from charging me for something they are not providing me services for. Apparently they could not do this. I said, "%$&$%^ers." Next month the charge is on there again. I immediately changed my direct deposit to go to First Hawai'ian Bank, emptied my account all the way to cero, and waited. Next month: same charge taking my account, the one I will not be using ever again, into the negative. They charge me the additional penalty for overdraft; whatever that was. Next month: same charge into my purposefully remaining open account again. Another penalty for overdraft and they finally close my account. Not nearly as much as these scam artists disguised as a legitimate banking institution allowed the other scam artists to steal from me, but enough to brighten my mood. A couple of years back they sent me a letter proclaiming that I owe them 100+$; I chuckled. I believe I talked to one of them either right after they finally shuttered my account and shortly after the relatively recent letter, or one or the other. They asked me to pay and I told them I will never pay them. Never. Specifically, there is nothing you can do to me that would make me pay, especially since this was a matter of principle. In closing, AFB will allow scammers to steal your funds, and when you try to get them to stop it, they will scam you in addition to doing nothing about the third party scammers to your account. - E read more

I ordered a new debit card Nov 6. Til this day I have not received my card. Bills that were attached to my previous card are due & the bank had been no help at all! In order to get my money in my account ill have to western union myself but they want to charge me a fee?!??!! Their Service has become so unbelievably poor & its pissing me off everytime I call, im left with no options & no answers! read more

This bank has turned into a shit show! Banking since 1998.. On my way to find a new bank.. Disappointed in what it's become read more

I'm sure people say this about banks a lot. But Armed Forces Bank is ACTUALLY the WORST. You can't make loan payments online, which means you have to call customer service. Well then it takes 30+ minutes just to finish the transaction because it takes anywhere from 10-15min just for them to answer the damn phone. And you'd think you could bypass their automated voice system to speak to a real person, well think again. The automated voice system will just repeat what it's asking over and over and over. Then they'll put you on hold way too many times & for no good reason, which results in the whole thing taking WAY longer than it should. The online banking is dated and doesn't allow much access to actually utilize your Armed Forces account with other outside banks. Also, if you apply for a loan, DO NOT let them tell you your loan is approved "as long as you set up an allotment" from your paycheck, if you're active duty military this is in fact ILLEGAL for them to do. All in all I would never recommend this bank to ANYONE and as soon as our loan is paid off all accounts will be CLOSED and ties will be severed. NEVER again will we do business with them. read more

ZERO STARS! WORST BANK EVER! They STOLE (lost) MY MONEY! DO NOT GO THROUGH THIS BANK! They are extremely disorganized and have no clue what they are doing. Long on hold times and then the agent ALWAYS has to go find someone that knows how to do what you asked, even for very simple things. They literally LOST my money (checking account), admitted it was their fault and then said there was nothing they could do about it. How the heck does a bank just lose money like that? How can they get away with this? Worse than that it was just a couple hundred dollars so I'd be in the hole if I sued. I'm going to try taking them to small claims court but I'm sure they have VERY good lawyers that will STOMP me. read more

I hate to go against all the other reviews but I haven't really had a bad experience with this particular bank but I'm sure my circumstances are different. I left the Marines with extremely horrible credit, not just fair or poor credit but straight up grotesque credit think low 400's. the only choice I had was secured credit cards. I started with a $300 deposit, then moved it up to $1700 and finally $3000 limit but you have to deposit your own funds, I have never had any problem with my credit card, the only problem is when making payments it sometimes takes 3 to 5 business days to clear into account and long wait times when calling customer service but besides that no problems read more

I did not get a warning to stay away from this bank. I'm warning you. STAY AWAY FROM THIS BANK!! Go to a credit union instead! Thank me later. read more

Been a customer of Armed Forces Bank for 10 years now, but I'm finally fed up with them. The service has been slowly declining for years and it's currently abysmal. Don't get me wrong, it wasn't considered great when I joined, but the one thing that kept me with them (the 24 hour human customer support line) isn't even available anymore. Even the online banking chat customer support is limited hours, so if something goes wrong at an inconvenient time, you're screwed until the next day. Additionally, the online banking lacks some basic features (like the ability to wire money to other banks) and the $25 flat rate wire transfer fee is pretty ridiculous. I understand that nearly all banks charge for wire transfers, but a bank that's supposed to serve the Armed Forces charges nearly the top rate so they can serve their bottom line. Add that onto the fact that not many bases have AFB branches and they still charge ATM fees unlike many of the other military focused banks, and I question why I've stuck with them this long. Everybody's situation will be different, but that's my experience with them. Hopefully it will help some boots make a more informed decision when it comes down to choosing a banks. read more

Armed'ForcesBank is the WORST bank to bank with. Granted this is the bank I had while serving so my benefits still go there but im just going to close it and go on with my day after 12 years. Ain't no way y'all separated the dispute department from the bank "to better handle chargebacks" when 1.Nobody can ever get in touch with a human. You will hear someone speaking Spanish then the dial tone. 2. If someone does answer they don't know anything. Last time I was told to fax my dispute form and evidence and call in 5 days so that it's in the system and that there was no other way to send the documents . Today an irate Derek (employee 1070850)said none of that was true and that I needed to fax again and call the same day. He spoke over me and gave me the third degree as if I would lie about sending my documents the way I was instructed to or if I ever sent them at all. You would think I stole my own money and he was going to prosecute me for it. He wasn't trying to listen or ask me exactly what I did to better help me, but more so get me off the phone so he didn't have to do his job. If you're going to make it this easy for someone to steal from me and not do anything about it then I will take my business elsewhere and would advise anyone to do the same. read more

Quite literally the worst bank I've ever used. If you are active duty (like myself), a veteran, a dependent, or even a civilian you are better off with literally any other bank. Spare yourself and use Navy Federal, USAA, or any normal bank over them. read more

Lets just say i joined the army forced into this HORRIBLE BANK. Knew it was going to be bad but nothing i can do about it. Tried to $0 my account Charged me a returned fee and an overdraft fee amongst other fees. Called and talked to 3 different people trying to get the to give me my money to close my account. They did nothing. Next day another fee. Another call. finally told me that they returned the fees and my money was sent to another accout. Next week i receive a letter from a (third party) debt collection agency. (wtf) Next day received another letter saying the same thing. Called and they said they never returned any fees and that its my fault and that they cannot help in anyway. Got yelled at by a supervisor over the phone, said you need to figure out a way to send me a check or open my account back up and send me the money that i originally had in my account, She refused and said it was my fault. HINT: The CUSTOMER is always right. End of story: They are the worst bank I've ever had. read more

The only reason I gave AF Bank a 1 b/c there is not Zero-0. I cashed in savings bonds and got a cashier's check, I deposited in to my main checking acct. Then, a week later AF Bank said it was a fraudulent ck and wouldn't pay it. I said "what" this check is from their bank! Really, u gonna say it's fraudulent! So my bank took out the funds & charged me $24 return ck fee. It has been a week and still no funds. I have been working with bank manager (Celeste) and she has to email her questions to the the main office. No calling, how rediculous is that. I have never worked with a bank with such incompetence. Warning... Don't Bank Here! read more

We have been customers of this bank for many years, We are retired military. Only one bank at fort Knox now, and it's only open till 4 weekdays, NO Saturday service/closed. The mobile app doesn't work correctly you cannot deposit with it. We are changing soon to another bank this is ridiculous. They need to get up to date, offer more services, better hours, free check's, no atm fees, cash back with card usage, fix the banking mobile app! There are much better choices for banking out there! read more

I have been a member of the Armed forces bank since 2000 and I have stuck with them for this long just because I was not willing to leave. I am sorry I did not leave sooner and only wish I could give them 0 stars. I will never recommend them to any of my friends or family members as they have treated me horrible and had I not been so sick I would have changed sooner. Thank God I am wok and see there are better options out there and I can change banks. read more

These guys are terrible. Still on the phone to get 2 questions answered. I have talked to two different people with the second person still trying to answer the question after 1-hour. From what I have experienced this is the worst experience I have ever had with a bank. Also to top it off the website is nothing short of a joke. read more

Terrible bank. I opened my account several years ago as my Late Husband was a Retired Air Force Officer. We had a branch at Vandenberg Air Force Base. A few years later, they closed the branch at the Base with the nearest branch being at least several hours away. I had automatic deposits of part of my paycheck. Making other deposits were almost impossible as with mobile banking they hold the funds for over 7 days!!!!!!! No ATMs any where near me takes deposits. Now, lo and behold I get an email that said they were charging $10.00 a month service charge and now it is increased to $15.00 per month. What a slap in the face to the Military!!!! Shame on them. Needless to say, I am closing my account. read more

I was told that I must pay a 35 dollar fee to apply for a loan. After doing research, I found out this is clearly a scam. No reputable lender asks for money upfront for a line of credit because its dishonest, misleading and makes no logical sense to charge someone money that is requesting money. read more

I started with AF Bank in 2001 and from 2001 until probably 2010 I was pretty satisfied with AF Bank. My satisfaction with this bank occurred from 2010 until 2021. Over a 24 year Army career, including many years overseas, we never had any problems with our checking account and I was always able to speak with a polite and knowledgeable customer service rep but that changed! Looking back on my 2 decade long experience I would say that the culture of the bank changed. I no longer believe that this bank is looking out for the "Armed Forces" and that they are more interested in charging fees. My breaking point was on a recent phone call in which the customer service rep was literally reading from a script to essentially tell me that fees and overdraft protection is based upon a computer algorithm. There is simply no humanity and no acknowledgement of the millions of dollars that have been deposited into my bank account for the past 20 years. I am now very happy to call USAA home for my family. read more

I have been a customer of this bank since 1976. My parents estate, which also is a customer for the last 50+ years is considered by the bank as a "VIP customer" Having said this, since the bank consolidated its customer service department in Kansas City customer service has vanished. When calling about anything other than routine account questions, the automated system is unresponsive. Wait times to get a human being are excessive. When you do get an agent, they cannot answer your question and put you on a long hold for someone who may or may not be knowledgeable. For these reasons, I am taking steps to terminate my relationship with this bank. When my parents' estate settles I'll close their accounts also. The bank will never hear from us again. read more

STAY AWAY RUN FAST. My husband is a disabled vet we have a joint AFB checking account. When we first opened it a year ago they offered no way to make deposits with out going to a branch or mailing checks to them. My husband does have military pay he could have had signed up for direct deposit into the account but he already has it going into his USAA account and saw no reason to change. Needless to say we do not use the AFB account much only because it is a pain to drive 55 miles to the nearest branch. Recently I found out they now have mobile banking. We received a tax refund check which was made out to the both of us I thought great I can deposit into our AFB account. It was for more than the daily limit for mobile deposits so I had to call and have them raise the limit for 1 day. I was on the phone with the man from AFB for almost 20 minutes he can back on the line and said it was taken care of and I could make the mobile deposit. I deposited the check and it said they would receive it in 2 days. No problem I can wait 2 days (although my local bank only takes 1 day and they give you access to the 1st 200 of any deposit). I logged on to mu AFB account and saw no pending deposits so I called this morning and the man tells me that it will be on hold for 7 days. The money from this check is to pay our rent. I asked him if they could shorten the hold and he said NO I asked him If some how we could reverse the deposit he said no. When I asked him why there was a hold on a US treasury check he said all mobile deposit are subject to a 7 day hold. When I asked him why the person I spoke with yesterday did not tell me this he did not know. When I asked him why the mobile app did not tell me there would be a 7 day hold he did not know. I do know that when I had a local bank they would tell me prior to making the deposit that there would be a hold and how long it would be. They would tell me this before they accepted the deposit so I could choose to complete it or not. USAA also tells my husband if there will be a hold on his mobile deposit and how long it will be. then he can choose to make the deposit or cancel it. After this experience and the fact that they have crappy customer service and their website and mobile app seem like a high school kid designed them. (nothing against high school kids). I will get our money out when it is available close the account and stick with USAA and the local credit union for all our banking needs. On a side note We explained to USAA what happened with AFB they had us send them a copy of the tax refund check and fronted my husband the whole value of the check. once the money is available in AFB we will be wiring it to USAA read more

Have had this bank since 2009. This is the first time I truly need assistance from them for setting a wire transfer to pay my new apartment's deposit/1st month rent. 6 calls; First call wait time was 20 minutes to speak to a person, then 15 min to speak to a rep, and then 15 more min to speak to a "Specialist" in wire transfers. Everything went smoothly for a bit, and almost there, but then I needed some agreement paperwork signed, and I needed to do it within 1 hour or I'd have to wait till monday. I got the paperwork done, faxed, and emailed. Tried calling, but by the time I got through to a "Specialist", it was 2 hours, and I had to wait till monday. 2nd call (Monday) I called, waited fcking another hour to get ahold of a specialist, and then he sent me to his supervisor, and the damn supervisor said the agreement was never faxed, or in email records, so I needed to find the agreement paperwork, and send it again. Finally sent it and got a confirmation email that the fax was sent by a faxing service website. Called for the Supervisor, GOT HUNG UP ON after waiting 56 minutes. After just feeling that F you sucker punch, I tried calling again and waited another 40 minutes to get ahold of another specialist. This lady was nice, and did some work to actually look for my agreement paperwork. Took her roughly 10 minutes with me on hold. My process is not even done yet, and I have no definite answer for my new landlords on when I can send them the money that they really need for renovations of this old house. Seriously they need the help to help fix this houses water heater, washer, and upstairs renovations. This is my first time contacting customer service and I'm not impressed at all, 6 calls so far and not a one below 45 minutes. Good fcking 4-6 hours of my life on a phone . I'm pushing to send my 9/11 GI Bill BAH, and my part-time job stubs to my local bank, and try closing out afbank for good. *Note: Their overdraft fees and notifications are absolutely dreadful as it is. read more

HORRIBLE customer service!!!! My debit card was either stolen or lost and when I called and asked about expediting a new one, they wanted to charge $50 to get it to me, of course I said no. The customer service representative said he would talk to a supervisor to see if they'd wave the fee as a courtesy, but they said it wasn't justified. Really?!?! My husband is overseas, we just moved to an area without a local AF bank and I have absolutely no way of getting money out of my account. I will be canceling my account with you guys! read more