I tried to give OnPoint my business about 1 year ago. I opened up a savings account and paid my $10 fee for joining. I specifically got the account because i'm not real fond of big banks, especially not in light of the current economic crisis. I also got the account because my fiance has a few accounts with them and they have a nice ATM feature that allows you to deposit cash.
The first time I tried to use the ATM, the machine told me that my pin was invalid. I had to wait until the weekend to go back into the branch and have it reset because i go to work and get out of work outside of OnPoint's business hours. I went back, tried again, but it still didn't work. I tried this 4 weekends in a row with no success and no troubleshooting help from the bank.
I closed my accounts and asked for my credit union fee back, but they refused. It was $10 granted, but it was the principle. They were responsible to provide me a service that never came to fruition.
My second attempt to give them my business was this past week when I applied for an auto loan. I filled the form out online and called in after 2 business days as requested. I spoke with Thomas who went over my information and said he would need to contact underwriting. Thomas said he would call within 1 business day after he sent my file to the underwriters for review. I never heard from him.
I called him 1 week later on the day we were getting an inspection on the car and left him a message to call me back, so i could get an answer from them. I received no response. I bought the car that day and am writing this the day after we bought the car with no response from Thomas.
I don't know how you can run a business with with that kind of horrible customer service. Thank god we didn't go through them for our home loan ( we tried to give them that business too, but the customer service was terrible again) or we may have lost the house. Do yourself a favor and look elsewhere if you are looking for a bank that has some form of customer service and competent people. We are currently pulling our other auto loan and bank accounts.
Pros: nothing significant
Cons: customer service, faulty cards and machines