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Heritage Trust Federal Credit Union

1.0 out of 5 stars
3 Reviews

From Account Holders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

2.5 out of 5 stars

Customer Service

1.5 out of 5 stars

1 5
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These reviews were written by current and former account holders in the last year.

Nov 29, 2016
Run
Anonymous Account Holder

I opened up an account here a few years ago because my husband banks here and has since he was a teenager. His brothers, mother, you name it, use this bank. I have had my card declined several times because of "possible fraud". No one called me to tell me they were locking it and when I called customer service, they couldn't help, so I had to go into the branch where they told me it had been locked & they unlocked my card while I was there. One of the times was because I had picked up my prescription at Publix and paid and then I went grocery shopping and paid for groceries, so they said "more than one transaction in the same location is suspicious". It is SO embarrassing to stand in a grocery/doctor/etc. line to pay & have it declined when I KNOW there is money in the bank. Then, my husband, brother-in-law, and I went to NY for a wedding and we got stuck there because they shut off our cards. Customer service was USELESS! Of course, it was our fault because we did not tell them we were going out of town. Now on to today’s matter. I went to transfer my husband $50 and accidentally added an extra zero. It transferred $500 from my account that I didn't even have, to my husband AND charged me a "convenience fee". As soon as I did it, I had my husband transfer it back, I called customer service, and sent a message on the mobile website to ask for the $35 fee to be waived/refunded. Of course customer service couldn't help me. I still have yet to receive a message back from anyone. I called customer service again and again, they were unable to help me. Then I called Member Services. They were also unable to help! Someone with possibly call me back in one business day or I can go into the branch. This is unacceptable! I pulled all of my money out when the NY thing happened to go somewhere else, but I decided that I would give them one more chance since it was our fault for not letting them know we were leaving the state. Not this time. As soon as my $35 fee is returned, I am out of there! 

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Oct 02, 2016
Problems around every corner!
Anonymous Account Holder

I have had this credit union for 4 years and the only thing that has kept me with them is, I don't know believing that every bank would be just as bad. But they are closed more often then they are open. Their customer service line is useless, they hang up on you more often than they fix issues. And their fees are ridiculously high. Bank of America is better, BB&T is better, I just got a Navy Federal and they are amazing! Do yourself a favor, get a different bank.

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Jan 04, 2016
Difficult to work with and enormous fees
Anonymous Account Holder

If at all possible.  Do not use this credit union.  They have more fees than you could imagine.  We got charged a fee for having a debit card but not using it frequently enough.  The customer service is not friendly and they really have no compassion for members having a short term financial difficulty.

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