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Police and Fire Federal Credit Union (PFFCU)

3.4 out of 5 stars
5 Reviews

From Account Holders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3.5 5
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These reviews were written by current and former account holders in the last year.

Aug 27, 2016
My experiences at NJ & PA excellent.
Anonymous Account Holder

Overall great service, all branches.

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Jul 05, 2016
unexplained fees
Anonymous Account Holder

  • Transaction Re-ordering that Increases Consumer Costs: The CFPB is concerned that overdraft practices employed by some financial institutions increase consumer costs. One such practice is commingling of all checks, bill payments, debit card transactions, and ATM withdrawals each day and processing the largest transactions first. This maximizes the number of transactions that will trigger an overdraft fee. The CFPB will examine how prevalent this practice is and how it impacts consumers.

Essentially the CFPB has a hunch that banks are manipulating the order of your daily transactions to maximize the chances you’ll be charged an overdraft fee. Here’s an example: Say you’re a student with $50 in your account. You make 3 consecutive purchases for $10 each. That leaves you with $20, but you still need to buy a $40 book for class that evening. You decide to swipe your debit card anyway under the assumption you’ll be charged a $35 overdraft fee just once.

The CFPB says some banks will wait until the end of the day to deduct your daily purchases and start with the biggest purchase first. In this case, the $40 book is deducted first leaving the student with $10 then the three $10 transactions are deducted. That allows the bank to collect and overdraft fee two times instead of one.

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Apr 27, 2016
VerySatisfied Account Holder

Best credit union.  Never any problems, always helpful.  Would totally recommend joining.

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Jan 19, 2016
Describe this credit union in one sentence.
Anonymous Account Holder

I have been a member of PFFCU for 25 years and would highly recommend them over any of the banks. I have done all of my banking and financing through them, without encountering any negative issues (auto loans, home equity loans, savings and checking). The website and mobile app are convenient and easy to use and they have always provided excellent customer service. I will always bank with this credit union.

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Dec 28, 2015
Anonymous Account Holder

The tellers here are so petty and nasty I don't know how they stay employed. Always fighting among each other and mean to the customers I hear this from everyone My husband drives to the Northeast to avoid the place. My son goes in with me a lot as we drive by he shopping center He went in alone and the real nasty teller (you know the one) asks him "Where is that lady you are always with?" I think she was trying to make fun of him. Well he is about to graduate college and is more mature than she will ever be, He will probably be running the place for his first job and she will be where she belongs OUT ON HER FAT A**.  
This bank also charges unexplained fees for transactions that appear to have gone through your account leaving you a positive balance but according to customer service your monthly statement does not show you transactions in the actual order they happen Why not? So a charge for $10 done on the first of the month before a transaction for a $20 with draw may have actually taken place on the third when you no longer had funds in your account or fees for another transaction were being held ( why are these still being shown as part of my available balance?) So they charge you a fee for over drawing your account PLEASE EXPLAIN .

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