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Woodforest National Bank Consumer Reviews

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Horrible Bank To Deal With!!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

JACKSONVILLE, NORTH CAROLINA -- I called because I have a legal fee on my account. They took $150 and would not refund my account back when they stated multiple times that I would be getting my money back. Legal department is a joke and the same with this bank! Instead of waiving the fee like they stated they would and they didn't! When I opened an account I was never told of this legal fee account ever!!! They are heartless and I will make sure to close this account and I will make sure none of my family or friends even do business with this bank ever!!! Very very poor customer service and horrible people!

Company Response 08/14/2018:

We hear your frustration. We'd like to get a few more details. Can you send an email to with your contact information, so we can reach out?

Online Banking
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WILLIS, TEXAS -- I opened an account in October... I did not want online banking period. I was under the understanding I did not have it. I decided to enroll in online banking in January. Went to the branch and they said it was active since 2007. I had an account with Woodforest around that time with my ex-husband.

Woodforest kept the info. And when I opened my new account they added my new account to the old online banking. I don't remember the username from that long ago and they wouldn't give it to me again... I would go to my branch and they told me to call the 1-800 number.

The 1-800 number told me to go the branch. I finally got logged on after 2 months and all my info. had been changed. Phone numbers I didnt recognize showed up on the account, phone numbers taken off. Email address' changed. So I called the 1-800 again and that number is just a call center. They will not let me talk to a bank employee, or fraud department... I see fraudulent activities on my account but the bank doesn't see a problem.

I'm so upset about this mess. I could not log into my account but someone has and changed all my information. The bank never called me to let me know anything!!! I cannot talk to a supervisor because they won't let me. I'm not sure who governs banks but when I find out, someone is going to be in real trouble over this... Still at this point I have no answers.

Company Response 02/22/2018:

Thank you for taking the time to share the details of your recent experience. We'd like to take a closer look into what happened. Please send an email to with your contact information.

Company Response 02/28/2018:

We'd like to gather a few details. Please send an email with your contact information to

Bank Sucks and Not Fair
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BROWNSBURG INDIANA, INDIANA -- So I have had Woodforest bank for two years. I got behind on my account. It went into the negative so I'm trying to get it turned back around. So my daughter opened up an account. She is 17 and been putting her checks in there. Well they took her check and put it in my negative account to try and make it positive. My daughter's checks that she work so damn hard to get. I will be changing banks negative or not.

Closed My Account without Notice
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BAYTOWN, TEXAS -- This is the worst bank company EVER. They charge you $15 for a debit card... RIDICULOUS. The debit card is a flimsy POS. My account was overdrawn a few bucks because of their fee policy even though I had direct deposit last month so it shouldn't have charged the fee. So I transferred some money from my PayPal to cover some of the negative balance. That was last week. Friday, I transferred $117, and then $17 on Saturday from my Amazon account. Sunday night, Woodforest decided to close my bank account, without emailing me or calling. NOTHING. NO RESPECT.

Customer service is outsourced in India or something. The first representative told me to deposit money into the account which I did. Today a representative informed me there's nothing they can do to reverse the closed account. If I want a checking account I need to go into a branch. And pay another $25 opening fee and $15 debit card fee? No thank you.

My husband called the branch manager and she didn't offer to help. Just said the transfers should bounce back to Amazon. Hello? She doesn't want my business or the $6.95 back that the bank paid to close the account? WTF, any major bank would offer to help. I banked with a major bank for years and never had an issue. They always bent over backwards to help me. Not this lady. She couldn't care less to even offer to help as a branch manager. And my money is still floating around in limbo. Thanks Woodforest Bank. You suck.

Allows Check Fraud and Uses Fraudelent Check to Collect Overdraft Fees
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

PADUCAH, KENTUCKY -- After realizing a check had been stolen from my fiance's checkbook and someone had forged his signature and cashed a check payable to themselves, we contacted Woodforest National Bank to advise. We made not one, not two, but numerous calls to numerous different individuals (part of management) who informed us that since the check had already been put through the account - and overdrew the account, no less - that they could not do ANYTHING to help us!

Are you serious? As his financial institution, do you not take the responsibility for not being able to clearly see that was not his signature on the check? Not to mention, the check was years out of sequence!? The financial institution has the responsibility to have his signature on file and to be aware when something suspicious occurs on the account.

We have filed a police report, spoken to our lawyer, and will be pressing charges against the criminal, the institution who sent the check to the bank, but also Woodforest Bank for allowing the check to be cashed, and for knowing be advised the check was stolen and fraudulent and advising us there is nothing they can do! Because, as they say, the check hit the account a month ago and so since it has already went through.

They can not assist us with the stolen/blatantly fraudulent check!!! Instead of protecting their clients from fraud, they have used this stolen, fraudulent check to collect overdraft fees on account - which would have not been overdrawn had a criminal not cashed a forged check on the account! They are a disgrace to financial institutions and should be ashamed of themselves for not providing the security each person deserves when they entrust a financial institution with their hard earned money!

Company Response 12/14/2016:

We'd like to gather a few details. Please send an email with your contact information to

They Have No Clue For Customer Service
By -

EBENSBURG, PENNSYLVANIA -- Long story. Their mistake but were reluctant to do anything. And lied to me. My unemployment goes into an account that I have a debit card for. My only access to the money is by using the debit card or paying extra to do an online transfer to a bank. I wanted to pay off a 0% cc loan that was about to expire. I had a few grand in my checking account and I had about $4500 in my unemployment account. On April 23rd I went to the bank to get a $3000 cash advance to deposit into my checking account so I could pay the cc off.

When the teller swiped the card the machine malfunctioned (she didn't tell me that). She processed the transaction again and it was declined. I thought maybe there is a limit, try $2000. It was declined again. I said try $1000. The $1000 transaction was approved. When I got home I checked to see if there was a limit and found that there was in fact no withdrawal limit. But I also saw a pending pre-authorization on my account for $3000.

I called the company and asked why the pending transaction if it was declined. They said it was not declined, that the amount was approved when the request was made. I knew that in order to get the pending removed I would need the bank to send a letter telling them they were not going to finalize the transaction. I asked the guy if there was another alternative other than waiting 5 to 10 days, he said no. Next day, April 24th, I went to the bank and explained to the teller that there was a pending transaction for the $3000 and they needed to send a letter to the bank. I provided a copy of my statement showing the pending transaction.

I thought it would be a simple request because I knew the procedure. (It happened to me once at the post office. They said I had to swipe my card again and there were actually 2 transactions for the same amount. I did let that one go for 5 days.) They had no idea what to do so they were going to send it to someone else and let me know what they found out. I never received a call so I just waited. 5 days and it was still there. 10 days and it was still there.

I called the company and found out what really happened. They told me she had swiped the card twice and the first time got approved, the second was declined because the first was approved and there was not enough money for the second request. The 3rd attempt was declined because the first was approved. The 4th attempt was approved because there was still enough money in the account. She also said anything over $250 would remain for 30 days unless the bank sent a letter. And she said the matter could be resolved in a few hours if they would just fax a letter. I went to the bank and asked them what was being done.

They said nothing was being done because when they forwarded the matter no one had ever heard of anything like that and that they could not send a letter because they did not have any record of the transaction. I said if you have no record then what will it hurt to send a letter to that effect and tell them it won't be processed. I got them to call someone and in the phone conversation that is when she said she swiped the card and the machine malfunctioned. But in all the people she talked to, she never told them what needed to be done. She just asked if they should do anything to get the funds released.

But they still said they had never had to send any correspondence like that. Their risk dept. didn't have any idea. I made a small scene in the bank at Walmart and they said someone would call me that afternoon. I went straight home and called the account company back and spoke with them again and they assured me there was nothing I could do, the bank had to do it. I called the banks main CS in Houston and talked to about 3 people and a CS supervisor told me that someone in risk was taking care of it and it would be done within the hour.

The branch manager called and I explained to him that I had called CS and he said he would call and make sure I was told correctly. Well, the next morning the transaction was still there. I was hot. I called the account company and they said they had received no letter. I called the banks CS and went through about 3 people and no one knew what the hell was going on. I finally got a CS supervisor that told me that she had spoken to someone in risk and that the letter had been faxed in that morning (18 hours later than they said they were going to) and that they had received a confirmation of the fax.

I told them I wanted a copy of the letter faxed to the bank so I could pick it up. I never got to speak to anyone in risk at any point. I am the customer, shouldn't they deal with me if they are offering customer service? They can't even give you a direct call back number, you have to start everything from the automated process. I called the company back and got to the head person on duty on the phone and she told me the fax number I was given was for the Texas office and that she was in Harrisburg, Pa. So she could not verify receipt of the fax.

I told her I was going to get a copy of the letter and would she accept it if I faxed it in. She said yes. She was very accommodating and said that if she saw the money post to my account before the end of the day she would call me. I told her I would get the letter but would wait until morning before I got back to her. I went to the bank about 4 hours later to pick up the letter and no one knew a thing. After about 15 minutes they finally came up with the letter from an email. I brought the letter home and waited. The next morning the money was back in my account showing a transaction reversal.

So after 12 days and only two extra blood pressure pills I got my money back. The people at the bank did not seem at all concerned that I would have to wait 30 days to get my money even though it was their machine that malfunctioned and caused the whole ordeal. Hell, I guess all their account holders have an extra 3 grand to throw away for a month.

The lady at the account company said it is a very common thing to happen and that she has had a few banks refuse to send a letter, and those banks did complete the transaction 90% of the time. But she has never known of a bank that has never had it happen and did not know what the procedure was to rectify the situation. I think the bank was just stalling with the whole thing. They said they made a one-time exception just for me.

I know this was just one incident with the bank; but the way it was (or should I say wasn't) handled and the several times they lied to me about what was being done and the total lack of communication is just not the way customer service should be provided. Especially for a financial institution. I told the teller, I normally keep a few thou in there but since they messed up, all that money was now gone from the account and I will make damn sure that there was never any money in that account again. I don't think they really care.

I Went to the Bank in Walmart in Tyler Texas on 64 and Asked for a 3 Month Statement Since I Do Not Have a Printer
StarStarStarEmpty StarEmpty StarBy -
Rating: 3/51

TYLER, TEXAS, TEXAS -- To get help on insurance premiums, I went to Woodforest National Bank in Tyler, Texas on Hwy 64. I asked for a 3 month statement and was charged $15.00. I do not have a printer so could not get online. If I could afford $15.00 for print-outs I would not need help on my insurance premiums. I am disabled and live on a small income so I chose Woodforest Bank because they offered free services. When did they start charging for statements needed for insurance, social security, and disability?

Company Response 05/24/2017:

We apologize for any inconvenience you experienced. We would like the opportunity to look further into your situation. Please send us an email to with your contact information and we will get in touch with you to address the matter.

Pissed Off Military Wife
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BATON ROUGE, LOUISIANA -- I am an ex-military wife, my ex-husband was in the Marine Corps 1st then U. S. Army retired after 24 yrs in. He was deployed to Iraq after 9/11. He stayed there for 5 years then came home for 2 weeks then retired in them 2 weeks and went back over as a contractor working with Special Forces. He has now been there 10 years. All the time he has been there he has sent me money for me to take care of the household bills and to take care of the 3 kids. We divorced in 2004 and he still sent me money till yesterday 06/15/2015 and he would send by way of wiring from his bank account with USAA & Capital One, into my Woodforest account for the last 3 yrs since I moved to Louisiana.

I had been with other banks before and NEVER had any problems. Today I tried to use my debit card and couldn't so I went to the bank to find out what was wrong. They told me my account was closed for suspicious activity on my account and "due to the extensive monitoring required for the activity on your account we regret to inform you your account will be closed."

I called and spoke with the corporate office and they said they are not obliged to tell me what was suspicious activity was on my account. We have the same last name and the wires come in his name to my name and they can also see I pay all my bills with my debit card, so they are thinking I am a drug dealer or money laundering so they closed my account.

My 3 kids have accounts with them that now we are closing and I advise you to NEVER bank with them. My ex-husband and best friend fights for this country and I can't even have him wire money to me from his bank account to pay bills and take care of the kids as long as I was with Woodforest National Bank. Because to them I am obviously a criminal and not a mother & ex-military wife of 24 years!!!

Company Response 06/28/2015:

At Woodforest, we take every concern seriously and make every effort to resolve issues promptly. We would appreciate the opportunity to speak with you regarding your experience. Please contact sedn your contact information to We look forward to speaking with you soon.

Rude and Disrespectful Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

RICHMOND, VIRGINIA -- Good morning, I received an email on July 3rd from you bank concerning my bank account being compromised. This is the email I received:

"Woodforest has recently learned that your Woodforest Debit MasterCard® ending in ** was used at a merchant whose records may have been compromised. To best protect your account Woodforest has lowered your ATM daily withdrawal limit to $100 per day; meaning, your card will continue to work on transactions that require your Signature to perform POS (Point of Sale) transactions as well as any ATM withdrawal that is $100 or less. We have also ordered a replacement Debit MasterCard® for your account in which you should receive in approximately one week. Your new card will have the same PIN as your current Woodforest Debit MasterCard®.

You may continue to use your existing Woodforest Debit MasterCard® until either (i) 08/05/2015, or (ii) until you activate your replacement card, whichever occurs first. If you have automatic payments set up on your existing card, you will need to inform the merchant of your new card number. You will receive an automated call and a postcard notification in the mail with additional details. Please contact our Customer Care department at 1-877-968-7962 immediately if you suspect unusual or fraudulent activity on your account."

The problem I have is that I visited my local branch and they were to stop the fraudulent activity. As of today, whoever compromised my account is still taking money out, so I call the 1-877-968-7962 number to your customer service. I spoke to Shemekia who was very friendly and sympathetic to my situation, but when she transferred me to a manager the whole tone of the conversation changed. The lady spoke to me as if I was running a scam and as if I was the person stealing money out of my own account.

She kept asking me the same questions over and over like I was stupid or lying. She was very rude and has no customer service skills and should not be working at a bank. I will probably cancel all 4 of my accounts with Woodforest, that would include my business account. This person has wiped out my Checking and Saving account. I am currently -$511.31 in my checking and $0.00 in my saving account. Not only do I not have money I have to listen to a rude manager in customer service. I am TOTALLY DONE WITH THIS BANK.

Company Response 09/30/2015:

We apologize for such a difficult experience. We would like to look further into your situation. If you'll send an email with your contact information to, we will get in touch with you.

Security Flaws
By -

CINCINNATI, OHIO -- Woodforest does not care about you or your security, the only thing they do care about is your money and how they can keep it. A few month after opening my account I noticed a fraudulent charge pending on my account for $35.00. I went to my local office to take care of it immediately; however, they told me there is nothing they can do about it. They refused to do anything about the fraudulent charge until it posted to the account. As a result, the charge posted for $35.00, and sent my account into the negatives.

On top of that, the two legitimate transactions I made did not post until after the fraudulent charge posted, even though they were made four to five days beforehand. This resulted in $105 in overdraft fees due to a fraudulent charge that they allowed to post. On top of that, they charged me $12.00 to cancel the debit card so there would be no more fraudulent transactions.

In just over a few months, I have noticed Woodforest often rearranges the way transactions post in an effort to overdraft your account. For example, if you have 20 transactions for $5.00 and one transaction for $500 that happened 5 days later, they will post the $500 dollar transaction first so that you have 20 overdrafts.

On top of that, they often wait until you have no money in your account to charge you any monthly fees. I often have little money in my account after the first of the month due to paying all of my bills. Yet, I always leave enough to cover the service fees. Yet, they will not withdraw them on the same day every month. Instead, they wait until your account balance is less than that of the service fee so that they can hit you with an overdraft fee on top of the service fee.

They will also hold your deposits for a long time. I have seen cash deposits left in the night drop take days to post, and if my girlfriend or father deposit money into my account it will take over a week to post to my available balance. It makes it difficult when my girlfriend is putting her half of the rent in my account or my dad is loaning me money from two states away by putting CASH into my account, yet I cannot use it for a week or more. I highly recommend avoiding this bank. Despite their convenient hours, they will find some way to screw you over and make you out to blame.

Since this bank is only located in Wal-Mart, then I suggest just using Wal-Mart to cash your check and get one of their re-loadable Visa cards. You will save yourself lots of headaches, frustration, and money in the end.

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Woodforest National Bank Rating:
Star Half star Empty star Empty star Empty star
1.5 out of 5, based on 11 ratings and
20 reviews & complaints.
Contact Information:
Woodforest National Bank
P.O. Box 7889
The Woodlands, TX 77387-7889
1-877-968-7962 (ph)
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