First, I have been a customer since 1988, when my Mom made me open a savings account with Horizons North Credit Union while still in High school.
She maintains an account there, as well as my brothers. I use it for my small savings, and have an internet bank.
I infrequently get large bank checks that I use the account to take in, and then either move it to my account or leave it to pay bills with. It is always from a large bank, like Charles Schwab, Bank of America, and even Chase.
Since 2003 I will get maybe 1 check that is above 10k, and the rest are usually about 8 to 9k.
Which is nice to get a bonus or to take funds to pay bills. I took a check in yesterday for a good amount, and they put a hold on it.
Normally they see it is a large bank, and know the funds are good funds and do not put any sort of hold on the check.
I was shocked! They stated only two days, which I have heard nightmares of over 14 days.
But this bank knows my history, they know how long I have been there, they know I do this.
Okay, now I had a bill due the next day (today) for the funds.
She wrote down my account number in the endorsement area, to take it to the bank manager to ensure that it had to be held.
She came back and said, he said it should be held longer.
Why don’t you take it to your other bank. Well NOW that the account number is in the endorsement area, I couldn’t!!!!
The old crew that has since retired–When this was the District 12 credit union was amazing.
They knew customer service. They knew to ask questions to understand the clients needs.
They knew the importance of helping out their customers.
Even asking questions to determine how much of the check I needed to pay the bill the next day would have been helpful. But they wouldn’t budge.
This is not the only bad service I have had. My Mom has been with them just as long.
She had a car loan through them, and took out a few personal loans in her time.
She has impeccable credit, and usually fluctuates how much she holds at the bank.
When my Dad passed away, she went in to get funds, because she is not comfortable with the ATM.
They were rude to her. She also wanted to remove my Dad as account holder (By the way–He was not the “primary account holder”. )
They were rude to her, didn’t show empathy for my fathers loss, nor did they seem to care that they were working with a person.
THIS credit union is awful. If you locate out of the area, you are pretty much stuck with that one bank.
They charge fee’s to ACH money, unless you have a certain amount in the account.
Ridiculous! I’m done, after my experience and my Mom’s–I am ceasing my business relationship with this credit union.