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Woodforest National Bank

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Customer Service

1877 968 7962 (Customer Service)
+1 832 375 2000 (Houston)
+1 888 247 4204 (Check Verification)
25231 Grogan's Mill Road
Spring, Texas
United States - 77380
Mon7:00 AM - 8:00 PM
Tue7:00 AM - 8:00 PM
Wed7:00 AM - 8:00 PM
Thu7:00 AM - 8:00 PM
Fri7:00 AM - 8:00 PM
Sat7:00 AM - 8:00 PM
SunClosed
Mailing Address
P.O. Box 7889, The Woodlands, TX 77387-7889

Locations

Complaints & Reviews

not that bad

We bank at woodforest in high point, nc. I have not had a bad experience with them and wonder if these problems i've read about are specific to certain branches that might not be well-run due to branch managers.

I found this site yesterday after we accidentally overdrew our account. My husband and I both put exactly $15.00 worth of gas in our car on two different days - neither of us knew the other had made the purchase on our debit card. I keep track of our account, so when I saw that the $15.00 charge had gone through, I assumed everything had cleared our account. For some reason, when you buy gas and pay at the pump, it doesn't even show up in your pending transactions for several days sometimes.

I called the bank and asked for a courtesy refund of the overdraft fee ($34.00, which is comparable and in some cases lower than other banks). Since the account is only in my husband's name, the teller couldn't discuss the account with me, but said that it shouldn't be a problem since we have not had a previous overdraft. Another problem I had was that I had made a $3.00 purchase on the card before we realized that we had overdrawn the account which was still pending - since my husband was going that afternoon to make a deposit, I was still worried that, even if the first overdraft fee was refunded, the bank would post my $3.00 purchase before posting my husband's deposit and still charge another overdraft fee.

When my husband went to the bank yesterday afternoon, he made his deposit and then spoke with the teller. She did refund the overdraft fee and I checked our account this morning, and his deposit had been posted first - so we were not charged the additional fee for the $3.00 purchase that they legally could have charged us.

The lesson to be learned is that if I had been keeping a written register of our debits and credits, this would not have happened. Anyone who can count can manage a checking account, no matter where they bank. The fact that we can check our accounts online now makes us lazy, I think, and we don't keep the records we should.

The reason i'm taking the time to write this is for other people who might be reading this for the same reason I did yesterday - I was worried that woodforest was going to gouge us with fees - that they would purposely post things in a certain order to where we would have to pay out more money, and that was not my experience. So if that's your fear, hopefully this will put your mind at ease.

Also, we bank at woodforest for the same reason a lot of other people do - we need the second-chance checking. Both my husband and I had previous accounts that we overdrew because we did not manage our money properly. If it weren't for woodforest, we would not have a checking account until we get some bills paid off. Now that we are trying to be more responsible, paying off debts and getting our credit straight, it's nice to be able to have an account at all.

  • La
    Lady_Ti Jul 01, 2010

    Thank you for your post. All I kept reading were negative comments about Woodforest Bank, but none of the banks that the complaints were filed on are located in my state.

    I'm considering opening an account at Woodforest, because I also need the Second-Chance Checking account that they offer. I have made some mistakes in the past with other banks, and now that I'm in Chexsystems, it's very difficult for me to get a checking account.

    Again, I appreciate your post. You have reassured me that Woodforest Bank is not so bad afterall. :)

    -1 Votes

who gets the money of the deceased

I have a small problem with this bank that has escalated into a fine little argument. My daughter wa...

avoid!

I haven't had a checking account with Woodforest National Bank for long but every time I make a deposit...

[Resolved] fradulent fees

Woodforest national bank purposefully held debits until my account balance had dropped to zero. Once at a...

[Resolved] stealing money / overdraft

Several months ago I opened an account with Woodforest Bank in Walmart to cash stimulus check. Now, three...

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[Resolved] beware

My account became overdrawn because of payday loans trying to continue withdrawing money... woodforest turned it over to some collection service that calls me 10 times a day. i keep telling them to stop calling so much then get really rude remarks... not happy at all when i work 3rd shift and get woken up by annoying phone calls. when i opened the bank account i told them i wanted overdraft protection but they didnt listen. now i owe them over 1000 dollars. told them bout theirselves abd again recieved rude comments and poopy service. dont think banks can b trusted . collection agencies should b closed down or we should b able to sue for harrasment...

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Bb
    BBaldwin Feb 17, 2010

    You are blaming a bank, for your inability to manage money? You have GOT to be kidding me. .

    0 Votes
  • Bb
    BBaldwin Feb 17, 2010

    You are blaming a bank for YOUR inability to manage money, and make proper decisions on spending habbits? You have GOT to be kidding me..

    0 Votes
  • Re
    reality919 Jun 09, 2010

    GET A LIFE !!! First of all you owe the payday loan place, now you owe the bank. I can only think you probably owe alot of other folks! Stop blaming others, and take care of your business. Keep a register, and STOP spending $$ you DON"T have !!!

    0 Votes
  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes

[Resolved] refused service - treated like criminal

I have been an account-holder with WoodForest Bank for almost 6 years. Over the last 5 years, my company has direct deposited from their payroll account into my account every 2 weeks like clockwork. However, when I went in to deposit 2 checks, both from my company and both from the same payroll account, I was asked a battery of questions about the source of the checks, the validity of the checks, etc. I answered each one, even though there was no reason for questioning. Additionally, the manager on duty was called over to ‘verify’ the checks before the deposit could be made.

I’ve never presented a check for deposit that was bad, and I’ve never asked the bank to assume responsibility for my checks by making funds available to me immediately. If they feel there is a question with the checks, they are well within their rights to hold the deposit until they get paid funds from the guarantor of that check.

I was allowed to make the deposit, but not without being questioned publicly about the validity of the checks. I was insulted to say the least. If I had dropped the checks in an envelope and deposited them through the ATM, would it ask me such questions?

Today marked the pinnacle of bad customer service. I presented a cashier’s check made out to my son, and the teller would not let me make the deposit. There is MORE than enough money in my account to cover the check in the event that it came back NSF, but that was deemed irrelevant. The only way I would be allowed to deposit the check is to have my son present, with his ID, “SO THE HE CAN VERIFY THAT HE ENDORSED THE CHECK OVER TO YOU.” Those were the exact words used by the teller!

I’ve had some bad customer service, but to be called a thief tops the list.

First of all, I’ve presented personal, hand-written checks for my son on numerous occasions and was allowed to cash them on the spot. This was a CASHIER’S CHECK for less than 10% of the amount that I currently have on deposit with the bank. I did not ask for the check to be cashed but to be deposited. Again, if they feel that there may be a problem with the check, they are well within their rights to hold the check until payment has been received. However, rather than deposit the check and hold the funds until it cleared, Woodforest chose to call me a thief and refuse me service until I bring my son to verify that I’m not a common criminal.

Come along son... Tell the nice lady that I'm not a thief.

REALLY?!

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes

[Resolved] reported to telecheck

I am a former customer of Woodforest Bank and was pleased to be one due to my overdrawn account at the time...

hmmm

Was once employed with Woodforest, loved the people I work with, however the practices of the bank I didn't love. I understand who they target, second chance customers, however if you're not a second chance customer and you have a Woodforest check, there's hardly any business that takes their checks, they specifically say NO WOODFOREST CHECKS! Bad marketing ploy and also looks horrible on the bank. If you think about it, you're sharing the same bank with people with bad banking probs, I understand times are hard, but day after day i heard I didn't do this, or i didn't do that, come on now!!! I'm an absolutely free holder and plan on changing banks, sorry but I don't wanna look like i'm a hot check writer, cause I'm not. Woodforest will one day realize that they're never gonna get their money from the charged off accounts, they need to wake up and smell the coffee. These second chance customers don't care they'll just drain the account dry until it charges off! Some though, were amazing at handling their account, but most weren't at all. I didn't leave on bad terms, I just think that woodforest needs to change their banking practices or they're gonna lose their account holders.

  • Ca
    cammilane Jun 18, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I bank at Woodforest and have a second-chance checking account. I have mismanaged accounts in the past and Woodforest is the only way to have an account while we are paying off old bills and getting our credit back on track. It's annoying to read so many complaints from people who are angry about NSF fees at Woodforest- as if other banks don't do the same thing when a customer bounces a check.
    Banking at Woodforest can be a little humiliating because you know everybody knows you probably bank there because you need the "second chance". I do understand that some people bank there because they offer very convenient hours, but most of their customers are there because no other bank will have them.
    But if you've messed up in the past, you should be thankful to have an account at all, and if you screw that one up, there's nobody to blame but yourself!

    0 Votes
  • Te
    Teresa32 Jul 03, 2012

    When I opened my account, I honestly was not aware of the second chance banking. I did it for convenience and because I left BB&T after I was being over charged. I think every bank has its issues as humans are the ones running the service. My other bank overdraw my account by holding my military pay for up to 10 days then charge me with outrageous fees. Woodforest isn't perfect (someone changed my address to a place I had never even heard of) but they have always been kind and even reversed fees when it was there error. I don't wait for my direct deposit (in fact, I usually get my pay a day early) and I have overdraft protection just in case. In my life, I bounced a series of checks and it was because my bank didnt post my paycheck for 10 day, and it wasn't Woodforest. I think they are a decent bank that has great potential. I hope no one judges me based on my bank, they should decide based on my actions and record! Btw: I have never seen a NO WOODFOREST CHECKS anywhere as they are a fully licensed bank, I imagine that would be illegal or at the very least violate FICA agreements, at least I think :)

    0 Votes

[Resolved] bank manager a crook

A Bank Manager at Woodforest National Bank, 900 Wal-Mart Way, Midlothian, VA 23113 was fired a few weeks ago...

[Resolved] credit card processing nightmare

I am the owner of a computer repair shop in Veneta, Oregon. A little over a month ago, a representative of...

[Resolved] over draft / stuff on hold till moneys not there

Well for the last 4 months we ever week get 2 over dfart fees and we know the moneys in there. also we have funds tooken out that we know have been tooken out alreadt once

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes

[Resolved] failing to post deposit

Made a deposit for $50.00 2 day prior for a check for $46.00 was written. Depsoit was never posted causing...

[Resolved] disappearing posts

I checked my account balance around a little after 2:00am this morning. It showed $700.00 and 2 refunds had posted that I was expecting to get. This morning around 6:00am I get my Woodforest email balance and it showed I was overdrafted!!!
I paid a bill last night and after paying the bill and making 2 other small purchases it showed $366.00 to the good.
All of my POS transactions were there and they were there as I checked this account last night before 12:00am.
Has anyone else had this to happen? This makes my second time for this stupid stuff with them.
Can anyone tell me why this happens??

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Ti
    Tired_of_Stupid Dec 18, 2009

    Probably because you don't keep a check register.

    0 Votes
  • Je
    jette Feb 10, 2010

    Yes, I have 50.00 missing as of right now. I do not know where it went. I checked everything I spent. Also last month I deposited cash. It showed my transaction going through on what I drew on that transaction. 2 days later the deposit disappeared and I was overdrafted and charged 5 overdraft fees. Then the deposit reappeared and all the money was used up. Now everyday I print off my account and save them. when it happens again which I am sure I will have caught them.

    0 Votes
  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes
  • Aw
    awesome245 Feb 01, 2014
    This comment was posted by
    a verified customer
    Verified customer

    yes i have bad times with woodforest too go to bed have a 1000 dollars in the bank 2 transtions come thru leaving me wiyh 319 dollars pull it up the next morning i was negative 2919 cents and nobody can tell me where it went

    0 Votes

[Resolved] od fees/rearrangement of transactions to cause od fees

My 19yr old and 17yr children opened an account at Woodforest. It was their choice as they felt the hours fit their schedules best. During sign up, I was there and we ALL discussed NOT having this "od protection"- i even told them my older child had a bad experience and that was not something that needed to happen. About six weeks later we noticed about 180 in OD fees on the account. My son used that stupid card to do everything so each 3-4 dollar transaction cost extra 34. At that time we called and the BRANCH MANAGER told ME and my SON that both kids had to go in to sign something to take the protection off the account. I was upset and told them we knew the person we talked to and what was said and she still said both kids needed to come in. Their schedules were not going to be same for about a month, but I just told my son to print out the transactions to ensure that he had money in the account. He was very faithful about that, and kept those prinouts of balance in folder. My daughter made an error thinking her check went direct one week and she went to ATM to get what would be just a little less than her check. Three days later the account was overdrawn by nearly 550 mostly due to fees. I called and talked to MY bank who informed me that their policy was to do transactions as they happened but that we should check with Woodforest who may do it different. And different is what they do. They spent an hour trying to convince me that ALL merchants hold transactions for up to 7 days before they run them. My husband is a retail manager and said no truth to that!!! They were moving and holding them in pending in order to get OD money because that "protection" was in place!!! My child could prove that there was money in account and there were still massive od charges. I told them to not use that stupid card and just get money and even that did not work. To this date they have been charged over 1000 in fees!!! Now the latest is that my daughter asked about working out a pay agreement but closing the account and was told it would have to wait a MONTH so that more fees could accrue! By the time they can "work out something (which is not a guarantee) there will be another 400 in fees min. THis is such a scam that I am filing every complaint I can.

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Sw
    sweetieliz Dec 10, 2009

    Its not just your bank that does this, I think a lot of banks do this to customers and that is NOT ok. Charging ridiculous amounts of money for overdrafts to me is like loan sharking.

    0 Votes
  • Fu
    funnygirl Dec 12, 2009

    I have wondered about this for some time now. First off, I would not say that all of the Woodforest employees are "idiots". Where I live, the Woodforest in my area, the employees all seem very young to me, but young is not synonymous with stupid. As for the pending transactions, I have wondered why they seem to go through like they do. For instance, I have 2 things that are automatically debited from my account. Most of the time they both hang out in "pending", unless they are going to cause an overdraft. I realize that even being in the situation to have these items cause an overdraft are MY fault. Here is where I have a problem. I often intentionally overdraft(MY FAULT) my account, hoping that the pending items will not clear until I have made another deposit(AGAIN, MY FAULT), BUT the story behind that is, I have an ISP directly debited from my account and that transaction hangs out in "pending" for 3-4 days and usually does. If I get to the point where I need to use my debit card prior to making the weekly deposit, and it technically overdrafts the account(only in pending), then all of a sudden the ISP item hits pending and is cleared in a day. Yes I guess you can chalk this up to being majorly my fault. But I am curious as to why the same direct debit, at the same time every month, ALWAYS takes 3-4 days to clear but if it is going to cause an overdraft before I can get the weekly paycheck deposited then it goes through in a day. I do sincerely believe that they push them through at the most opportune time to make overdrafts, but like most anyone would say, if you didn't try to use money that wasn't there, that wouldn't happen. I agree. I don't, however think they are completely bad. Other than this I have never had a problem with them, and I think alot of unnecessary blame gets put on the people who are actually serving you at the branch. Alot of the problem is not them at all, but higher ups who are only telling them what to do. I even had the experience of the branch manager at my bank telling me that he was trying to get the "higher ups" to not charge an overdraft on anything under $5 or $10. They wouldn't do it because they said there would be that one person who overdrew $5.10 and then complained because "If it had only been $5.00 you would waive it. Sometimes I think we, the people, cause our own problems by wanting to complain because we think it is unfair. Everyone in the world thinks something is unfair but complaining does nothing. Other than that, I don't really have a problem with Woodforest, they have even called me when my account is going to overdraw so I would have time to correct it before the overdraft occurred(my local branch did this). I have requested printouts from my account which they have provided free to me. When I opened my account I would have had the typical "waiting period" but they suggested an alternative to me that saved me from it. They first tried to call the bank that the check was drawn on and it was only a $4000.00 check to confirm. The problem there wasn't Woodforest but the bank the check was drawn on wouldn't confirm that the account was good(I sat right there beside the girl that called, it wasn't some hide in the closet and call thing). Woodforest then told me I could take the check to the bank it was drawn on(a 1/2 hour away)and then I wouldn't have the hold as I would have the cash to deposit. I think the people working right at the branch try to help as much as they can. Besides, that, the branch manager at my local bank can overdraft my account any time, smokin' hot he is...roflmao;) WOODFOREST, LIKE ANY OTHER BUSINESS OR BANK, HAS ITS UPSIDE AND ITS DOWNSIDE, IT'S UP TO YOU IF YOU CHOOSE TO USE THEM OR NOT.

    0 Votes
  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes

[Resolved] steals clients money

I am caring for my parents who are both dying. Upon starting to straighten out their finances, I opened a...

[Resolved] stole money

Went to Woodforest ATM to pull out $400 for my fiance. ATM jammed & only dispensed $280. I looked up into the...

employee relations

I was once employed with Woodforest as a manager. I was let go because one of my employees made up a story to the HR dept. She was on the verge of being fired and knew it was coming so she got everyone together that she all went to school with(small town) and said the I mistreated the employees. I was never contacted about the situation and came into work one day and was told that I was let go without warning. I also believe it had to do with the outlandish sale goals that were placed on the branch. It hard to get people to open accounts when no one in town would accept a check written on the bank.

  • Br
    brownsburg indiana Oct 01, 2009

    O I love this one dave!! She did not round up the employees, you know what you did. Nice try!!

    0 Votes
  • On
    One in Alabama Apr 21, 2010

    I was hired as an instore branch manager for Woodforest July 2009. After going thru a week of their "training" in another store before mine was to open, I concluded that I was not going to have anything to do with this bunch. I contacted my regional manager and told her I was not returning, and added that it was a mistake to come to this "bank" in the first place. I insisted they not pay me, but they ended up paying me & screwed me out of unemployment compendation. Not only did I not like their business model of overcharging customers for overdraft fees and daily fees to boot, I honestly felt they would can me in no time because of their rediculous sales expectations to obtain customers in a sweat shop atsmophere. Too many silly "in-store" campaignes going on, and not enough emphasis put on serving the customer. I have been in banking for twenty-five years, and this is one bank I would not ever recommend. Sorry, Judy!

    1 Votes
  • In
    IN VIRGINIA May 19, 2010
    This comment was posted by
    a verified customer
    Verified customer

    WF fired my husband I believe because of age discrimination. This is a bank that can not appreciate a good employee that takes his job and the bank customers seriously. My full story will be coming soon and you will be so surprised at what goes on behind the scenes. Corporate should review their tapes and they will find that they can take trash off of the street, but they still do not clean up very well. to be continued...

    0 Votes

[Resolved] awful bank

Wal-mart who proudly services Woodforest National Banks in their super centers has once again found a way to screw the "American Public!" Two years ago I went an opened a second chance checking at the bank and opened both a personal and a business account. The business, being seperate from my personal with it's own EIN and LLC documents and company name, mailing address, phone, ect. Due to a large amount of NSF checks returned to my business account, Woodforest took it upon themselves to transfer everything in my pesonal account to my business saying they could "legally do that". Then my personal account became overdrawn due to checks that were out! I was so furious, that when I closed my business, that year, I filed for personal and business bankruptcy! Last week I had to go to their bank to cash a check that was drawn on them, not only did they keep my check, they refused to give it back to me when they told me they were collecting on an old debt! That they could legally do that! It didn't matter to them that I had no groceries and no gas to drive back. My children were with me and it was the most horrible thing I have ever had to encounter! I thought that was why in opening businesses we get LLC and EIN numbers and why when we file bankrutpcy "we are protected"... Way to go Wal-mart! This bank also charges the Blue Collar American Worker, $3 daily as their accounts stay overdrawn! Wow, if you are paid once a month, that really adds up... Is this legal? Stay away from this bank! AND STAY AWAY FROM WAL-MART! Sam never wanted his store to be part of scams or fraud to the Americans he loved so much!

RESOLVED

The complaint has been investigated and resolved to the customer's satisfaction.

  • Wi
    wife2mikejh Dec 21, 2009

    Unfortunetly that information is provided to you in the disclosures you got when you opened the accounts. All banks do this. It's called "right of offset."

    0 Votes
  • Re
    reality919 Jun 09, 2010

    Sounds like you have some spending problems. It was the Bank, nor Walmart - making you spend $$ you didn't have. That is why you should budget your money. When you spend $$ you don't have, yes, you will get fees. And yes, they (all banks) have the right to "Offset" from one account to the other. Sorry for your children going without, you need to think about that before you get yourself in this problem.

    0 Votes
  • Ca
    cammilane Jun 18, 2010
    This comment was posted by
    a verified customer
    Verified customer

    if you were opening a second-chance checking account, you probably didn't know how to run a business anyway. IT'S FOR PEOPLE WHO CAN'T MANAGE MONEY!!!

    0 Votes
  • Woodforest Customer Service Aug 05, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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 our Customer Care department at 877-968-7962 and ask to speak directly with the Regional Vice President over the branch. We look forward to speaking with you soon.

    0 Votes
  • Jo
    John Q. Public II Oct 07, 2010

    I hate that most every complaint about Woodforest has that note in it to contact the Regional Vice President. Most of the complaints are legitimate non-customer friendly policies and shouldn't require a RVP.

    Why not be different and make customers love Woodforest so you could be the new standard in customer-centric banking?

    John Q. Public II

    0 Votes

pending/rearranging order of posted transactions

I've had major issues with woodforest holding every single debit card transaction in a pended status for 5-7...

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