Civista Bank Reviews (2)

We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would not lock it in as they promised. This was at the East Perkins Branch. Come to find out after closing, the bank costs of the loan were actually points paid.. It is our fault for not going through the loan pages with a fine tooth comb but just beware when using this bank. We not never do any kind of business with this bank again. We also paid an even amount for the down payment which took us over 20% by $200.00 and it was not used to lower the amount of the loan. It was not listed anywhere on the loan papers to tell us where it was taken off of the closing costs.. It just disappeared as far as we can see. We were expected to take their word that it reduced the amount of the closing costs.

Extremely disappointing...had to cancel a lot card on Veterans day and I was left on hold for over an hour..I finally hung up. Got on the website and wouldn't let me put it on hold and then when we found it it would not let us reinstate it. The also will not let you move your own money anytime you'd like...they start charging you after so many times. I took my savings elsewhere.