I signed up for Courtesy Pay on my account multiple times and every occassion (3) where they said they'd protect me they told me I wasn't in it. I've paid NSF Fees almost every month I've been with them because I was told one thing by a teller and another by a call center rep. Do not bank with them
I have been a PSECU member for 20+ years, since I was a teenager actually. (Go, mom!) I have been impressed with them many times over the years. I have had checking and savings accounts with them, as well as a credit card, a personal loan, and a car loan. I have always felt like they were providing a good product and value. I have never felt like they were trying to take advantage of me like I have felt with some banks. They may not have many branches, but when in PA there are ample ATMs in their network, and they have a fairly generous ATM fee reimbursement policy, I almost never pay an ATM fee. I've used my accounts normally while living in several other states for years and conducted all my business through ATMs or online, including deposits in ATMs, mail, and now digitally through my smartphone. Their online banking experience has been pretty solid since there was such a thing as online banking. I really respect that. I have used a lot of other online banking services and I always compare them to PSECU's online experience. Their mobile app has most of the same features but it a little odd at times.
I occasionally look to see if there are other options out there (in the non-PA state I live in) but I have yet to find one that holds up.
I've been with NFCU since USMC bootcamp 1995. I've used other banks and credit unions since joining mostly because they didn't have any local branches. Now that there are local branches here in the ATL area I've used them as my primary "bank" since 2006. My wife and I both have a Platinum CC with them and multiple checking accounts as well. We set up our children with accounts as well as they've matured. My oldest (21) has a CC from NFCU as well. I've mostly been pleased with their service, but have had a few issues. 1. They used to lock out all accounts if you paid the minimum credit card late. 2. They prequalified for a home loan and they refused to underwrite the loan because it was about 25% less expensive than our current residence. For sure they are much better to deal with than USAA on just about anything.
This institution has never ever said no to me. When other try to take advantage and charge you higher interest, seven seventeen gave me a better deal on my car loan interest rate, also the very same week offer me a credit card. Really the best. The process is smooth and very quick.
We applied for a re-financed car loan on Wednesday, it's now Saturday & we have never heard back. We even have other accounts with them! We are very disappointed as we were told we would hear something on Thursday. :(
Great rates, fantastic service. Got my mortgage from PFFCU and I couldn't be happier. Didn't know that credit unions have the best rates. Also did know that I had the ability to join. Got referred by a friend, and I'm never going back to a bank!
Just an FYI - We moved here from Alaska and our bank up there would always notify us with texting and phone calls to verify charges that seemed like they might be fraudulent, e.g. charges made in states where we were not at. We never lost a cent. They have 24/7 phone call, LIVE person, support and can block charges and cards the instant that you notify them. HERE, at IDAHO CENTRAL CREDIT UNION, we had several fraudulent charges occur a couple of months ago ... NO notification to us occurred in any form, but all but one were able to be blocked. The charges were all over the country, but were small. It just happened AGAIN, this time to the tune of about $1000 ... and AGAIN, NO NOTIFICATION OF ANY KIND. And ICCU does NOT have 24/7 support ... you have to wait for normal business hours in order to intercept anything ... we watched while the $1000 got charged on Saturday morning, and then just cleared this morning ... taken out of our account ...NO way to intercept, NO notification. Listen - this is NOT customer service and NOT a good bank ... If you are there, take your money out and go somewhere else. We are transferring all of our money back into our Alaska account this morning... again, we have to wait for the bank to open before we can do it. If you LIKE HAVING MONEY STOLEN - STAY WITH IDAHO CENTRAL CREDIT UNION....
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