Best banking over all! Costumer service is fast and knowledgeable.
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Incredibly slow, unprofessional, disorganized did I forget any negative adjectives? They also tried to claim I only paid $75 for my appraisal fee until I faxed them my bank statement showing I paid the full fee. I used them through my credit union Great Erie and thought it would be easier. Boy, was I mistaken.
Beware when making a payment. I made a typo of 42 cents and they slammed my husbands credit after 2 loans and 2 1/2 years of perfect on time payments. They told us that there was nothing that they can do due to the FAIR CREDIT REPORTING ACT.
Absolutely do not get a mortgage through Meridia for Owners Choice Funding. My fiance has been a member with meridia for a while, and they have always been wonderful. I opened an account to re-finance my car, and again they were wonderful. Everyone is always very polite, and helpful when we go in there. So, we decided to apply for a mortgage with them. They use a provider called owners choice. It has been the most awful experience ever. They misplaced paperwork, and when I called to follow up with what was going on. They said "they must have overlooked it." and prolonged the process for a commitment letter. After this, we were given a closing date. They called us the day after we were given a closing date, and said that our credit reports expired last week so they re-ran our credit and it changed so they had to wait 3 business days. When we called Albany to ask why they didn't re-run it the previous week when it expired. They told us we were good to go on our closing date again just to contact the attorney to make sure. We contacted their closing attorney and our call wasn't returned. The following day they said we wouldn't be able to close. Save yourself days of headaches, and go with a company that knows what they are doing like M and T bank. You will always just be a number but at least you can work with people who know what they are doing. You might have a slightly higher interest rate but it would be well worth it. I would never recommend getting a mortgage at owners choice through Meridia to anyone. They are nothing like Meridia and it makes Meridia look bad.
Agree with below! Won't help in any way or take responsibility for anything that's their fault!
Need a direct number for specific location.
My husband used this bank, his account was overdrawn by $1.75, the banks penalty for this was to deduct from his direct deposit $121.75 & this was without notice to let us know the account was overdraw. My advice take your money & run... To another bank.
This is a very good credit union. Their cashiers and staff are very friendly and will work with you on things (e.g., hold times on checks, overdraft fees, loans, collections, etc.) if you have a problem or concern. Although EMFCU is a community credit union, located on Rt. 5 in Blasdell, NY, they also have a branch office at the Erie County Medical Center (ECMC) in Buffalo, NY, which is very convenient (and good for people who work at ECMC but live outside Buffalo, they and their family members can join and then can use either of the offices when needed). They have a lot of promotions with local businesses for discounts or special deals in addition to "loan sales" they run throughout the year. (Also offered are Christmas Club accounts, which are great to help you save up to have money for holiday shopping.) Although they don't have ATM's at either location, they do have agreements with other local CU's or ATM companies so EMFCU won't charge you to use their machines. (But it's still the choice of the ATM owner if they want to charge for use of their machines.) Lastly, EMFCU has convenient hours at both locations and with all the other benefits, if you are eligible to join, do it because it's worth it!
They have too many "we can't take this or there's a week hold on that" rules, the head cashier isn't very friendly, and they make you join (and then keep a $25 minimum balance in savings) to use their Notary Public service, which is illegal. (That's why it's a Notary PUBLIC service. They can charge a nominal fee of $2.00, but not make you join their CU.)