Police and Fire Federal Credit Union (PFFCU)

4.0 out of 5 stars
4 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

4 5
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These reviews were written by current and former account holders in the last year.

Mar 30, 2017
#1, Best Service, No problem in 17 years
Anonymous Account Holder

I have been a member for over 17 years and have never had a problem. I've never had a problem in dealing with them during this time.

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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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