I've been using this bank for 15 years and yes, I have screwed up a few times and had overdraft fees. A financial institution is not responsible for paying our bills when our money isn't in the account, so I'm not sure why other people feel the need to blame members 1st for their own errors. I deposit all my check electronically and they are processed quickly and efficiently. I am always greeted with a smile when I go to a branch location. I love the online banking and use the app daily. I've had 5+ loans and have never had any trouble setting up ongoing payments. I love everything about this credit union and would recommend it to others.