1st Bank is the proverbial one eyed king in the land of the blind. I'd still rather bank with them and sleep with my two eyes closed, despite their shortcomings!

[/quote][quote author=otokx]

do you know how much they charge for all these services? Do they pay per month or per transaction?

The charges are very negligible, when you make online transfer to another bank for instance up to N400K the charge is less than N48, my friend use the naira master card to pay for an international exam and the charges is an equivalent of $1 - $2

I have no issues when people discuss a monopolized industry (e.g. Power) but it is disgusting when people discuss companies where there are options.
Too me, it always seems like someone from the competition is probably doing it to paint the company black if not I think you should just move on instead of coming here.
I have also seen a lot of discussions on Telecoms companies too especially MTN. I believe none of these companies have tied you down and there are options.
It’s a matter of choice, quality or quantity, reliable/slow service or porous/good service……..
I don’t even see any reason why anyone should go to bank for transaction when you have ATM, POS, Internet Transfer with instant InterBank options, Cheque etc.
Nairaland use to be a forum for serious discussion and I wonder what the moderators are doing these days.

doctokwus:
Welcome to d ATM wonderland of first bank;can't 4get d wonder their machine performed on me last year:clearly heard d amt I indicated being dispensed by d ATm machine,but d slot just wudnt open,as if(whc I highly suspect) had fraudulently fixed d slot to prevent it from opening.I lost dat mony,but evryday wish dat pson or scheme by dat bank wud b fished out

You should go to complain. If the machine counted the money and didn't dispense, they would always see it from the e-journal that cash wasn't dispensed and they would return it. Please go to your bank and complain.

stalwartnaija: Quality customer relationship and service delivery is one business principle that Nigerian companies lack. Be they banks, telcos, or even roadside traders - all are poor when it comes to providing service that is pleasing to the customer. For the banks they are more concerned about generating deposit and creating income disregarding the fact that all these will come when you serve your customers well. Anyway, these things do happen in an undeveloped market like ours. Coming to First Bank, it took me one full year to receive their welcome package when I opened an account with them.

You are very right on point. I have been writing MTN over my challenges with their BB service and nothing has been done despite my BIS subscription still active.

Idango: Im a costmer of firstbank and i want to tell you a few things you dont know:

1. My friend who live in California had an account in first bank before, he also has a firstbank naira mastercard, he uses that card to pay for things he bought in the us. If you are owing him, he will tell you to pay it into his first bank account, he spend his money in firstbank over there in the US. It is only first card that you can use overseas without being questioned whether it is a nigerian card. Just try it, since then i also got a first bank naira master card and discovered that i use it anywhere all over the world.

2.Do you know you can sit in the comfort of your room or office and connect to your www.1stbanknigeria-online.com and access your account or transfer money to any account in any bank in nigeria? This also can be put on your phone and you can do business online on your phone. Gtbank also has improved greatly in terms of online banking, with Gtbank you can even transfer fx currency from your domiciliary account to any account all over the world in addition to transfering to any bank within nigeria.

Almost all banks have this offer and it is because we now have Mastercard denominated in Naira and it is running on the Interswitch Platform. It is same as the debit card.

saxywale: I opened a fidelity bank account not long ago, I went into the branch 3 weeks after to demand for the terms and conditions of the account, the customer Service officer smiled and asked what I meant by terms and conditions, true story ..

Talk of medicine after death. You already signed a contract and you now decide to read the conditions much later.

challawa: i was so much disappointed with first bank today, they lack competent staff and there service delivery is terrible

Fallacy of hasty generalization, let us know which branch u had that experience at. It isn't the same everywhere. You can always lodge a complaint with the contact centre, rather than come online to post this.

saxywale: I opened a fidelity bank account not long ago, I went into the branch 3 weeks after to demand for the terms and conditions of the account, the customer Service officer smiled and asked what I meant by terms and conditions, true story ..

which kind question self be that? You wey go open account no know the kind account wey u open and the terms and conditions attached to it. I was a CSO at a new generation Bank and the questions some people ask makes u want to slap them but of course u are suppose to smile to every foolish question. I think that's what that officer was doing.

debetmx: First Bank is the most useles bank in Nigeria. I used their ATM on Friday 23, 2012 and the failed to dispense while it credited my account. I made a report at their head office on Tuesday 27, 2012 and she said i shld wait 4 three days up till now nothing as been done.

The machine didn't dispense cash and you were credited. Your statement alone is enough for them to ask u to wait 3yrs.

doctokwus:
Welcome to d ATM wonderland of first bank;can't 4get d wonder their machine performed on me last year:clearly heard d amt I indicated being dispensed by d ATm machine,but d slot just wudnt open,as if(whc I highly suspect) had fraudulently fixed d slot to prevent it from opening.I lost dat mony,but evryday wish dat pson or scheme by dat bank wud b fished out

Na wao, u heard the machine dispense??

stalwartnaija: Quality customer relationship and service delivery is one business principle that Nigerian companies lack. Be they banks, telcos, or even roadside traders - all are poor when it comes to providing service that is pleasing to the customer. For the banks they are more concerned about generating deposit and creating income disregarding the fact that all these will come when you serve your customers well. Anyway, these things do happen in an undeveloped market like ours. Coming to First Bank, it took me one full year to receive their welcome package when I opened an account with them.

What do u mean by welcome package?

temmytanny: you are right,i have a friend that got a N100m contract from a company. He has his company account with first bank. the company paid 15% of the project into his account over a month ago and up till now First bank has been playing pranks on him refusing to giving the money to do the project.

I'm sure u don't know what the real issue is cuz u r not the one in question. The bank can't holds your funds without a genuine reason.

Idango: Im a costmer of firstbank and i want to tell you a few things you dont know:

1. My friend who live in California had an account in first bank before, he also has a firstbank naira mastercard, he uses that card to pay for things he bought in the us. If you are owing him, he will tell you to pay it into his first bank account, he spend his money in firstbank over there in the US. It is only first card that you can use overseas without being questioned whether it is a nigerian card. Just try it, since then i also got a first bank naira master card and discovered that i use it anywhere all over the world.

2.Do you know you can sit in the comfort of your room or office and connect to your www.1stbanknigeria-online.com and access your account or transfer money to any account in any bank in nigeria? This also can be put on your phone and you can do business online on your phone. Gtbank also has improved greatly in terms of online banking, with Gtbank you can even transfer fx currency from your domiciliary account to any account all over the world in addition to transfering to any bank within nigeria.

I've never heard of that website u posted o...hmmm

First Bank is not the worst Try Un-organised Bank of Africa (UBA) and you'll be happy with first bank.

Hmmm...i can see a lot of contract staff casheir working in first bank supporting every actions of their banks here. Make una no go find beta work do,continue dey do jackie work for FBN make baboon dey chop. I know what my hubby has experienced in d hands of dat bank,bt i wont go into at now. Just for u guys to knw dat most of dem have integrity issues.....very corrupt pple as u see dem so,looking for d slightest opportunity to sit on their customers money. Yeye...when d direcors of pension siphoned billions into personal accts una no alert anti graft becos una see small chop inside. Bt someone dat has genuine business to offer,u will sit on the persons money. Na God go punish all of una!

AND ITS ON FRONT PAGE.

WHY DOES THIS TOPIC LOOK LIKE SOME PROPAGANDA TO DISCREDIT NIGERIA'S BEST BANKING BRAND AND AFRICA'S MOST INNOVATIVE BANK BASED ON INTERNATIONAL AWARDS?

challawa: i was so much disappointed with first bank today, they lack competent staff and there service delivery is terrible

Your very first post. Doesnt this show you created this ID just to disparage the bank/brand?

SMH at the moderators

shiloh: Hmmm...i can see a lot of contract staff casheir working in first bank supporting every actions of their banks here. Make una no go find beta work do,continue dey do jackie work for FBN make baboon dey chop. I know what my hubby has experienced in d hands of dat bank,bt i wont go into at now. Just for u guys to knw dat most of dem have integrity issues.....very corrupt pple as u see dem so,looking for d slightest opportunity to sit on their customers money. Yeye...when d direcors of pension siphoned billions into personal accts una no alert anti graft becos una see small chop inside. Bt someone dat has genuine business to offer,u will sit on the persons money. Na God go punish all of una!

Which biz wey u'r husband dey do for bank to sit on his money, He just need to justify the source of the fund. Abi na guyman

temmytanny: you are right,i have a friend that got a N100m contract from a company. He has his company account with first bank. the company paid 15% of the project into his account over a month ago and up till now First bank has been playing pranks on him refusing to giving the money to do the project.

.....@chines4,read d above post well den u wll know dat dey do dis all d time. Infact its dier trade mark.

I have account with four banks. Honestly, first bank is the only sewrious bank in Nigeria. All others are just glorified Osusu houses. When it comes to ATM, all the banks suck. From Zenith to GTB, UBA, Eko, etc, they all suck when it comes to ATM. They all use mostly very old machines. Diamond has started deploying some touch screen machines and they are nice. First bank and Zenith have slightly recent machines. First bank was the first to start ATM machines that can receive cash. GTB started it six months after first bank. But overall, Zenith has the best ATM service. For customer service, I will give it to either UBA or GTB. But I still have issues with GTB trying to automate customer service. There are issues you can't resolve on phone. You need to talk to someone sometimes. The worst banks in terms of service delivery are Eko and Access. Ironically, Oceanic and Intercontoinental where doing fairly well before they were taking over by Eko and Access.

Idango: Im a costmer of firstbank and i want to tell you a few things you dont know:

1. My friend who live in California had an account in first bank before, he also has a firstbank naira mastercard, he uses that card to pay for things he bought in the us. If you are owing him, he will tell you to pay it into his first bank account, he spend his money in firstbank over there in the US. It is only first card that you can use overseas without being questioned whether it is a nigerian card. Just try it, since then i also got a first bank naira master card and discovered that i use it anywhere all over the world.

2.Do you know you can sit in the comfort of your room or office and connect to your www.1stbanknigeria-online.com and access your account or transfer money to any account in any bank in nigeria? This also can be put on your phone and you can do business online on your phone. Gtbank also has improved greatly in terms of online banking, with Gtbank you can even transfer fx currency from your domiciliary account to any account all over the world in addition to transfering to any bank within nigeria.

Tell us something new. All the banks already have these services. The exchange rate for the mastercard is ridiculous though.

First Bank is the worst bank ever. Zero customer service. They don't offer you any seat when you go †☺ complain that is if the person answers you.they answer nonchalantly. Abeg, First bank is past glory. Na̶̲̥̅̊ by force †☺ get atm?

morenike

first bank is always terrible
they never improved from stone age banking
first bank represents everything wrong with nigeria

Are you guys talking about one branch or have you researched all of them?

The only banks in Nigeria are: Zenith, Standard Chartered, Diamond and maybe 1st bank.
Others are second tier banks while finbank,unity,uba, intercontinental are agege banks

sir rinky: I totally share your sentiments with firstbank it's absolute nonsense and they have highly incompetent staff.Can you imagine yesterday their ATM machine was broken for more than inside the banking hall and the person in charge did not even have the courtesy to come down and attend to customers,the Machines,staff and the whole system is absolute rubbish. THOSE WHO ARE THINKING OF USING ATM FOR CASH DEPOSITS PLEASE DONT TRY FIRSTBANK U WUD BE SOOOOOOO SORRY

Noted!

Akainzo:

You opened an account BEFORE you decided to read the Terms and Conditions!!!! Na wa for you o!

No, reading it off the internet is different from having a copy for your records. After explaining what t & c means, the dumbo officer told me to print it off the internet.

I was thinkin of opennin an acct in 1st bank, bt nw am havin a 2nd tot

Ofuks:



This is hilarious! I think it is people like you who go about bad mouthing banks and complaining about outrageous charges. You opened an account without even reading the terms and conditions tied to the account? I can see why the customer service person smiled at you!

olodo, you must be one of the dumbo that works for the said bank. What's wrong in demanding for t & c. I work in a bank(not in naija) so I know the system very well.

high-chief:
which kind question self be that? You wey go open account no know the kind account wey u open and the terms and conditions attached to it. I was a CSO at a new generation Bank and the questions some people ask makes u want to slap them but of course u are suppose to smile to every foolish question. I think that's what that officer was doing.

Olodo rabata, quack cso indeed, u must be a cretin. So you think a customer would just pay you a visit then open an account with your bank without some prior knowledge of what he wants. I only opened the account cos it was one of the few savings account in Nigeria that accepts cheque payment through clearing. Really sanusi needs to do a lot of work, you lot must think the customers are stupid.

oayombo: What do u mean by welcome package?

This oga doesn't even know what is meant by a welcome pack. LOL. I am sure he's a customer service manager in a naija bank. Let me educate you just as I educated the lad at the Fidelity bank, when you open a bank account, even if It's the most basic the bank offers, you are sent the welcome pack which includes, a thank you letter, how to use the account, what to expect from the account, small prints/t&c of the account. This is sent after necessary risk and kyc checks must have been carried out. It could take a week or two to come by post in Advanced countries, you might need to obtain the pack in a Nigeria branch.