Independent Financial Mobile 4+

Considering the lackluster previous app used by Homestate Bank and Guaranty Bank, the new Independent Bank app is truly AMAZING! I didn’t give it five-stars because I haven’t had the occasion to explore the app in-depth, yet. Things I love ‘fer shur’ already include the no-charge ACH money transfer and statements that you can actually print. I know I’m going to be able to track and manage my meager funds more accurately with this app and am pretty ‘shur’ that it won’t be long before I’m changing this rating to a five-star!

It seems as though every week I open the app to see the dreadful message, “System maintenance until *said date*, we’re sorry for the inconvenience.” Yes, yes it is a major inconvenience, because I have a very tight budget and need to manage my account to the dollar in order to continue with every day life. I have many bills that come out monthly and being a college student, it’s difficult to manage with only working part time. If I can’t view what’s in my account, how am I going to know if I can afford to eat tonight? Yes, there is the option to call and check your balance, but the convenience of even having an app is SUPPOSE TO BE way better than spending 5 minutes typing in all my information to the automated system. I opened with Independent Bank when I was living in Van Alstyne at the age of 15. When I moved out on my own, I had to take on major responsibilities, the customer service at the Van Alstyne location has proved to be just as horrible as the town itself. Living in Dallas and dealing with the judgmental women at the VA location has been the worst. Every time I try going to a different location they always have to speak with the Van Alstyne location. I am now switching to Chase bank in hopes that I will have access to my account at all times and won’t be treated the way I have been all these years.

App is terrible. Bank lets accounts be taken over from identity thieves. If you are a victim of theft and card and wallet is stolen. The bank will demand you to file a police report and revoke your debit card even if it’s not your fault. Bank will refuse to refund unauthorized charges even though it says you are not liable for fraudulent charges in their terms and conditions. If you cannot provide a police report the following day they will decline your dispute saying you didn’t provide them the required documents even with your police report. App was hacked and funds were transferred and stolen. They refused to refund the charges. Customer service cannot help either. Quintin customer service manager will blame you the victim of theft and then he will close your account without reason. Even when the issue wasn’t caused by you or theft. I wouldn’t recommend this app to my worst enemy worst bank of the planet. They don’t refund unauthorized charges and they will allow you to be breached and blame you the victim.