America First Credit Union Checking Accounts

Has to be by far the worst credit union anyone can possibly go with in this country. They lie, scam, do whatever is best in their interests, and try to make your life a living nightmare as much as they possibly can. Now the employees are nice, but their way of doing business is disgusting. Credit unions were meant to be low-profit to put more money in the pockets of their customers. This place is a wolf in sheep's clothing.

I am so grateful to America First Credit Union. They recognized a scam that I had bought into. They didn't let that transaction go through and put a hold on my account. Afterward, I checked the business that was trying to scam me and they really were impersonating a legitimate business. I'm impressed that America First was able to detect the fraud and protect me as well as all clients.

I have been with America First for over 20 years. The first 15 years were great, but now they are terrible. Member service has drastically declined. They are either rude or do not read or listen to what is said. I applied for a car loan, and they wanted a 3% higher interest rate than all the other credit unions I applied to. My home equity is at an outrageous rate, which makes it hard to pay off. And today... Oh, today. They took out double charges for everything that went through. I feel sorry for those who have less money than I do, and I am not rich, but I just imagine this morning was difficult for them. I am done!

Oh and dear AFCU, don't reply with fake feedback, claiming you care about our members, etc. You know you don't. You used to, but you don't now. How many more sports arenas do you need?

I had four fraudulent charges totaling over $1,200 in one day. The charges were 60 miles from my house, yet the fraud department stated, 'It is going to be very difficult for us to get your money back at this point.' I was also charged overdraft fees because my mortgage payment sent my line of credit over its limit before I noticed the fraudulent charges. I was told that is a different department and would likely not get those overdraft fees refunded to my account either. I will be switching financial institutions once I find out the status of my fraud dispute. AFCU has certainly changed over the last couple of years.

I pay my rent at this institution because my landlord has his account there. I use cash, so when I try to deposit cash into my landlord's account, I have to give them my Social Security number. This is nonsense, and they want you to give it to them at the drive-up windows, but only the one on 5th East and 5th South.

My boyfriend banks with America First, and since we've been together, his account has been randomly frozen many times, too many to count. In the past few weeks alone, it has happened twice. He does not get notified when they do this; he finds out after he attempts to make a purchase. He has to wait two days because when they froze it, it was after 5 p.m. on a Saturday, and banks are closed on Sunday, so he has not had access to his money. This is a very frustrating situation that keeps occurring. Please fix this.

P.S. It wasn't over large transactions or any questionable activities. His account was frozen one time simply for getting gas.

Used to be a great little credit union. Now money is everything and member services come a distant second. Customer service is absolutely abysmal. Their call center in Ogden is the absolute worst.

Horrible customer service. I moved out of state and tried to close my account prior to leaving. Two weeks later, I still had not received my funds (over $1500). I called customer service and reported the issue. They said they would reissue the check and mail it (they did not use tracking services with USPS). Weeks later, I called and reported that I had still not received my funds. The representative suggested "waiting a couple more days to see if it would arrive". The check never arrived. I called several times but struggled to get through the automated system to speak to a live person. I sat on hold for literally hours (cumulative). When I finally got a live person, they reported that they had no record of my account with them. Their "best guess" was that the funds were sent to the state as "unclaimed property". I checked with both the NCUA, who reported that accounts have to be dormant for 3-5 years before assets are transferred, as well as the State of Utah, which has no record of receiving funds in my name. I called American First again and they basically said it was my loss, and to get over it - that last phone call...I sat on hold for over 90 minutes just to get that message.

America First Credit Union is the worst credit union for banking. I've been with them for over 15 years, and they treat me terribly. I get charged an overdraft fee because of an unauthorized charge that is not my fault, and they deny my request to credit back my account, which is very frustrating. Perhaps all credit unions, and especially banks, are like this. It seems you can't win, whether it's your fault or not.

I was very disappointed with the rude and disrespectful attitude I got from "Shon" at the Roebuck branch today. Beware if she attempts to wait on you.