Awful Bank, do not do your banking here! When you get fraudulent charges on your debit card they will do nothing to help you try and get your money back. We have contacted them several times, gone in to fill out the paperwork, and still no help. If you want yourself protected then go to another bank. This bank will NOT protect you, your money will be GONE!
The absolute worst credit union or lender I have ever had dealt with and that's saying something since I've banked with close to two dozen lenders for personal and business needs over the last 20 years in several states. Pamela Cotton-VP service and Chad Heil loan officer have to be the worst lending employees ever. Five days not returning emails, anti-small business owners, rude, unhappy, and condescending, unlike with most loan officers and lenders they won't talk with you at all, they don't allow you use the same LO you worked with before to build a relationship with, the most ultra-conservative lending practices maybe in the country by a credit union. You call the main ATFCU number and being on hold for 20-30 minutes is normal, it takes DAYS (I kid you not) for them to get back with you on loan approvals. Their phone app looks like something a two-year-old uses crayons to draw up and it's like their stuck in the 1950's. Do your banking and lending with the big boys in central Texas like I do and I shouldn't have tried to forge a new relationship with such a small little angry credit union. I use Navy Fed, PenFed, and RBFCU they know how to treat people correctly.
Dealing with this credit union is worse than dealing with a big bank. Customer service is severely lacking. This is not the right place to go to if you are wanting to leave your big bank in order to have a more human relationship with your account reps. They have a horrible website (even after being upgraded), they make it difficult to make payments on accounts and they make absolutely no accommodations for any members. Because their own website was not clear in how a fee would be charged in making a transfer to an external account, I ended up overdrawing an account by $3.00. This is the only time I've ever incurred any kind of fee for doing something wrong and it was simply a misunderstanding. Had I understood how the fee would be charged, I would have decreased the transfer amount by $3.00 in order to cover the fee. Since I did not understand, I was then charged a NSF fee of $35.00. With every big bank I've every done service with, the NSF fee would have been refunded in this scenario, but not with A+ FCU - no matter how many people I spoke to. That was upsetting but it was at least understandable. It turns out that because of that one error, A+ also disabled my ability to make any transfers to or from my accounts with A+ FCU to accounts with external banks. I tried to get this decision reversed so that I could continue to make payments on my loan accounts by transferring funds from another bank, but I was told that they would not reconsider the decision for at least 6 months...and at that point only "maybe" would they turn it back on. Seriously? Over a $3.00 misunderstanding? The message this sends to me is that they no longer want me depositing funds into my accounts without jumping through hoops (I am not local, so I cannot just walk into a branch). Because of this, I closed all of my accounts with A+ FCU except for one line of credit that I will have to pay off over several months. This past month, A+ "upgraded" their software, including their website. Although it looks a little prettier, it's still the same content that gives you little control over your accounts. Apparently in upgrading the software, they added a new fee of $7.50 in order to make a payment to an account over the phone. There was no notification sent out to members. This was confirmed with a customer service rep who stated that they are just notifying members as they call in. Since I am unable to transfer funds to the account, my only choices of making payments are to either call in or mail in. (There is not really a "pay online" option...it is solely through transferring funds between accounts and I've been cut off from this due to my $3.00 misunderstanding.) A+ FCU never issued payment coupons (and when I've asked for them, they have refused). I had called in some payments in the past with the only problems being having to wait for a long time to speak to someone and dealing with rude and incompetent phone service reps, so my plan was to call in payments. Since I did not expect this new fee and expected to call in my payment, I waited until the payment was due to call it in when I found out that I'd now have to pay an extra $7.50 in order to make the payment...or incur a late payment charge! This is awfully convenient to A+ as a way to create additional income on fees. I asked if there was any way to waive the fee considering the lack of notice and the inability to make a payment any other way than by mail and I was told that was not possible. There is no other creditor I've ever dealt with that had the inability to waive this type of fee as a one time courtesy, especially considering their own lack of notice. And $7.50!!! Really? That is quite steep for making a payment with my own debit card over the phone. I cannot wait to pay off this line of credit and get as far away from this credit union as possible.
DO NOT USE THIS CREDIT UNION. Run away from this place as fast as you can. They tell you how they will automatically transfer money from your savings account to your checking account to prevent overdraft charges. They conveniently don't tell you they charge $4 for an electronic transfer and limit them to 6 per month. Then they charge you $29.50 in overdraft charges if you exceed 6 transfers a month. Then they say well return some of the fees, call you the next day and say you're closing your account, therefore we're not refunding any of your fees. After filing a complaint with the BBB, got a good resolution, fees refunded and I was allowed to close my account. DO NOT USE THIS CREDIT UNION.