Armed Forces Bank Reviews 

Terrible service!!! There is not a local branch and there is no way to get in touch with someone after hours and weekends. Problems with cards don’t take off. My husbands card never worked at 2 locations he frequents. We changed bank because of this.

Bottom line: go with a different lender, AFB is NOT worth the trouble. This bank has one of the worst customer service and customer interaction experiences I have ever had. Getting information about your own loan or account is nearly impossible. They will not communicate with you on changes to your account, your loan status, or even answer simple questions about a statement. The website is horrible. The worst part is, they are not willing to improve, there are simple solutions that would solve so many of my issues, but no customer service branch or way to get the feedback to leadership. The most recent representative I talked to seemed to make it my problem and was offended I wanted to make suggestions to improve, continually stating that they would "call back" with the info I had requested. If rates were any better i would refinance away from AFB immediately

For a bank that's also they are to help the military community, they aren't. They prey on military and veterans. Double charged the monthly account fees. Several times. I have only one checking account,no savings, so the charges can not be for that. I received direct deposits from one employer and paper checks from another. Mobile deposits are quick, without any long holds, but their process doesn't make it very for the user to review the deposit to ensure no errors were made. I knew I had made an error once as I was depositing two checks from the same issuer with the dollar amount the same, but one was different by .23 since I had two checks depositing attention same time, when I picked up the check to ensure the correct amount, accidentally picked up the other check. I realized it after submitting. Attempted to contact the bank to have this corrected. Wasn't able to get someone in the correct department, then it hit the cutoff time. My checks couldn't be deposited for 3 days aafter due to a holiday. I submitted them at 11am, why someone couldn't fix it that day?Who knows. Not a huge deal but was left feeling a bit bothered. Glad I wasn't dire for having access to the funds. Since "deposit at armed forces bank only" was written above my signature, couldn't take them anywhere if I needed to. Just feel overall like they prey on military families.

Horrible bank. I applied for a checking account, was denied, and when I called to ask why, nobody could give me an answer. I was told someone would call me back. That never happened.

It's now been over four months, and I still haven't heard a single thing. I have no idea why I was denied, and honestly, that's their decision. What I can't get past is the complete lack of follow-through and customer service.

For context, I'm a veteran, have excellent credit, and earn well over $100,000 annually. I've successfully opened accounts with Service Credit Union and Wells Fargo's military banking program without any issues. So the denial itself isn't what bothers me, it's the fact that nobody could explain anything, nobody followed up as promised, and the phone number provided in their email doesn't even work.

The entire experience felt disorganized and unprofessional from start to finish. If they can't handle a simple account application and return a phone call, I'd be concerned about how they handle actual customers. I genuinely don't understand how they stay in business operating this way. Terrible experience.

I transitioned from the Army in January and have experienced a nearly $4,000 decrease in my monthly income. As a result, my account is currently overdrawn by approximately $1,000. Over the past two months, I have explained to representatives and managers that I need access to my full disability payment to cover basic living expenses. I also requested to set up a structured repayment arrangement to resolve the overdraft balance. Unfortunately, I have not been offered any workable solution. I am not seeking to rely on overdraft services, but without assistance in establishing a repayment plan, I am being forced into a cycle that is difficult to break. I have essential expenses due this Tuesday, including housing, transportation, and other necessities, and I am at risk of losing my current living situation. I have made multiple attempts to resolve this matter through customer service and management channels, but I feel my concerns have not been adequately addressed. Given these circumstances, I am considering moving my banking relationship elsewhere. I understand the importance of responsible account management, and my situation is the result of significant and unforeseen financial changes within the last two years of my military service and following my transition from military service. I am requesting reasonable assistance in resolving this matter so I can stabilize my finances and meet my basic needs.
I tried googling this bank to leave a review, but the option is no longer available. When you seek help with this bank, why don’t they utilize their financial education team to help? I was told they don’t have any resources. Isn’t the financial education department a resource?

Only got this bank because of the cap loan.

Don't be like me. Get the cap loan out of this account and close it right after. They take 12 dollars out of the account every month as a service fee. It's ridiculous that they claim to help the military community, but they are the only bank I've used that charges this dang service fee. This company is a disgrace

Worst Survivor assistance ever. After my father passed and I notified the bank, their survivor affairs assistant was the most unhelpful person I encountered in my multiple dealings with banks and companies. The bank froze the joint account and made it extremely difficult for me as my mother's POA to reopen another account in her name. Despite being the POA on file, they still wouldn't grant me access nor give me any assistance.
I wrote a letter to the CEO and the public affairs Director regarding this interaction, and they never acknowledge my letter. The survivor affairs rep even told me to just write a check for the entire account balance and close the account, which I ultimately did.

I took out a small loan and they defaulted on the loan even though they for the ones who technically breach the contract I made a agreement with the loan manager to reinstate the loan if I paid the balance in full and then may double payments each month and the loan manager never reinstated the loan and put it on my credit as a collection profit and loss and affected my credit negatively by over 100 points.

The illegally took out 10 dollars from my closed checking account and I want it back

Armed Forces Bank located at 1100 Main St Ste 350 Kansas City, MO 64105 816-472-5244 has charged me TWICE in same year (2019) for an annual credit card fee. I filed 2 separate
complaints with the 'Better Business Bureau' and a Gerry Smith responded to one of those complaints which was NOT completely resolved (that is why the second complaint was filed--still waiting on response). Since then I had to visit and call the branch several times not to mention their call center is sub-contracted. The sub-contracted call center will lie to customers and in fact in a 3 days span I was on hold for 3+ hours (which at the end of the day NOTHING was accomplished but wasted time)....mine

Obviously Armed Forces Bank does NOT care about their customer nor their customer's time, so please BEWARE if you choose to do business with this entity. I really feel for ALL the miltary when they should NOT be treated like this on ANY given day. Many more complaints are being filed and will continue until a satisfied resolution.

This bank is taking money for POOR service........