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Let me just say, NOT much difference in "For edeposit only" and "For deposit only". Wow, just wow!! Because I didn't put the small little e before the word deposit they REJECTED the deposit!!! I have NEVER had a bank treat this before this way. USAA, no problem. Randolph Brooks CU, no problem. NFCU, petty BS!!!! since this may lead to a delay in funds available as they waited 24 hours to tell me, and now have to wait another 48 hours, it will lead to possible NSF. This is crazy. Time to close there account and take ALL my business elsewhere.…show more
The worst service I have ever experienced with a checking account. I was given wrong information twice by the same person. I signed 3 of my siblings up under me with 2 of them signing up online via a join now icon that promised they and their sponsor would receive $25. Well, one of my siblings received the $25 but they are denying me as the sponsor the $25 and they are denying my other sibling her $25. We had to call 5 times to finally get it resolved. I will not be referring anyone else to them because they lie and are not people of integrity.…show more
I switched from USAA to NFCU thinking a credit union would be more beneficial. All I have experienced in the past year has been longer than usual hold times, rude bank tellers, and incorrect information. So tired of it, switching back to USAA.
This bank is a scam they take your money when you pay a bill and say it’s not in there and charges you 29 dollars for a return fee and you have the money in there and money in savings and I had the bill set up already and I got paid on the same day it comed out I cannot help they didn’t let the money come though because it was a holiday my job still sent the money and they will not even help me out with it…show more
Having the hardest time with them. Was switching banks to them, went to deposit funds to NFCU. The check posted to my NFCU account, but then some payments I forgot to cancel in my old account went through. My old bank posted those payments and then took this check back for insufficient funds, despite this check being deposited to NFCU first and on pay day. When the check to NFCU posted, I spent some because I saw the check posted. I get an email from NFCU about fraudulant activity on my activity in my account and to call security. I did, spoke with a nice rep., and explained what happened. My account went from close to $700 with this check to something like -$600...I asked they guy what happened, he explained there was some hold, he removed, said I was still at -$100, and I said that's fine as I'd be getting paid again soon and would have the funds direct deposited to my NFCU account. Well, I check my account on payday (yesterday) and get an error message saying to call customer service because my request can't be processed. Spoke with someone else who was pretty rude. He said my account had been permanently disabled due to check fraud and that my account is personally disabled! I was told by security that my account was well and never once received communication about the account being disabled. I was on the phone this time for close to an hour while he called security, bounced back between me and them, and again said my account was disabled due to this "fraud", and that the hold could not be cleared, and with no way to re-instate the account. He said my check will go through but I can only take the money out in cash or get a cashier's check mailed, and those are my only options. I asked why the first guy in security said my account was fine and he said "I can't speak for him." Wow, very helpful. I said there was no fraud, because I wrote the check and deposited ON PAYDAY, and he said he can't help. I said I need the money for bills and he just said he understsands and stayed silent. I then asked where my money is and he said he isn't sure because there were no pending deposits on the account. I confirmed with payroll at work and was told they sent the check to my NFCU account, so I am unsure what is happening. He said to call back later and see if the check was put in. I called security to verify what he said, and again was treated poorly, and was told I can get cash or a Western Union once the funds are in the account because they "won't hold my money hostage", which is a lie because they are! I am travelling this week for Thanksgiving and need the money, plus need to grocery shop, get gas for work, etc. They are being incredibly difficult, and once this is over, they will never get my business again, nor will I suggest them to friends and family.…show more
Also, was told on the phone by security that they credit the account when a check is deposited but the money isn't fully available. They verify with the bank they check is from to ensure the funds are there, and if not, they retry posting. This is ridiculous! I tried paying bills because I saw the check posted, when they should keep it in pending status until it actually posts, and should have informed me my account was disabled.…show more
Summary: Stay away from this bank!! Trust me! Stay a w a y!!
This bank SUCKS. I wish I could give them 0 stars. The only reason why I opened a business account with this bank was that they were now accepting Zelle payments which allows me to transfer money from other banks in no time. This was the longest and most painful application I've ever been through with a bank (So you may think that it will be so worth it once you finally open the account), well..
1) They only have one location in South Florida, and if you want to deposit money on an ATM you have to drive there, so I thought Zelle payments would help me.. and then..
2) Zelle payments is not available for business accounts!!!!!!!!!!! , so I had a check to deposit just to save that 2 hours roundtrip to an ATMMMMM in 2018!!! .. I try to do online check deposit and then... bam, I wasn't able to do it because I had to have my account open for 30/45 days before depositing anything online!!!!
At this point I'm trying to keep it cool, but the only way that I can do deposits into my account is via Online transfer or direct deposits. Online transfers takes around 3% of the total, so on average I spend $120 on fees just because the only ATM in south florida is so far away.
3) I had to do a quick wire transfer, couldn't find a way to do it online so I called the bank, I spent around 30 minutes on the phone doing everything over the pone because that was the only way to do it.. yes, like back 1975.
4) Here is the most fustrating one, I get a deposit, as soon as I get it I moved my money (Few transactions and transfer to other accounts), their system was behind and when they were posting the transactions they charged me NINEEE (9!) overdraft fees at $29 each, thats equal to $261 in overdraft fees AT ONCE and their reason was "You should've waited for the transaction to post (Which takes around two days)" so on top of all that bs, I HAVE TO WAIT TO USE MY MONEY!!!!!! When I asked to get transferred to a manager they pretty much put me on hold and then sent me back to the main menu. I'm currently on a 40 minutes phone call and still waiting to talk to someone.
I Just Had To Close My Account. Navy Federal Credit Union Treated Me Like I Stole Something. I Just Moved to Texas And Open a Account. No Problems Then My Son Decided To Go Through Navy Federal Credit Union For A Mortgage When He Got His Account, He Put Me As A Co-Owner So I Could Help Take Care of Any Business. Well on Accident He Transposed The Last 2 Digits of My SS#. I'm The One To Call Them and Alerted Them of This Mistake....OMG... Call the FBI They Treated Me Like We Were Trying To Get Away with Murder... The Put a Hold on Mines and My Sons Account, They Had Me Go In With All My ID, SScard, Birth Certificate... I Went In To Branch Showed All My Credentials The Rep Called Security in Front of Me and Verified Everything, They Then Told Me That The Account Would Be Back in Status in 2 Working Days. I Called Today.. Day 3 And They Told Me I Had To Fax Over The Same Information That They Had Me Take Off My Job To Go and Do. Once She Received The Information She Then Stated To Call Them In 1 Hour. I Waited 4 Hours Called Back And They Stated NOoooooo It Will Take 5-7 Business Days To Fix This Matter. So What Am I Suppose To Do With You Guys Holding My Money Hostage?.... I Told Them To Close The Account. And Send All Monies Back To Me Immediately. WORSE EXPERIENCE I HAVE EVER HAD WITH A BANKING INSTITUTE.!!!!!…show more
terrible. Terrible return check practices.How do you charge someone $29.9 X3 = $87 for 3 failed items from same merchant on the same day. not like you are dealing with three different items or merchants. waive 2. I bank with 2 other banks - they'll at lease allow you up to 8pm to pay the money. Don't try it if you use them for everyday transactions. Absolute bs. Third world country bank ways
I signed up for paperless (e)statements and any other correspondence they might want to send me. Low and behold, they send me a letter, telling me I overdrafted my account. My main issue is they put my whole account number on that letter. I called and the rep said, they recently udpated the system with new policies, which might be the reason my preference might have been ignored. She also noted that I signed up for e)statements back in March, and the update happened sometime after that. She suggested I go back in and undo my preference for e)statements and then request again for e)statements. BUT Navy Federal why would you send me a letter with my first name, middle initial, last name, address, and complete account number on it? Had the letter made it to the wrong address I could've been an easy target for fraud since all you would have to do is Google Navy Federal routing number. BOOM!…show more
I have been a loyal member of NFCU since I first enlisted in the Marine 10 years ago, and I honestly felt that being a member at NFCU is a special privilege for those who served. However, I recently lost $4,500 to an online fraud that have really devastated my family.
This is result of someone gaining access to my NFCU account and transfer $4,500 from my checking to an external account claimed to be under my name. Despite NFCU knowing the external account does not belong to me, NFCU is holding me accountable, and is only willing to request the return of fund from Bank of America. The account does not belong to me and the fund transferred to that external account is long gone.
What is even more frustrating is the fact I informed NFCU of the fraudulent transfer less than 24 hours after it occurred, and they waited a week to request the return of fund when the money is long gone. They also is not willing to tell me which devices I have is compromised, simply says your device you did. The agent I spoke to says it is most likely me because it is not likely my device is hack?! And its not their responsibility to care where the money went except I(my device) made the transfer?! I also can not get the information on which one of my devices made the transaction, and have to have the police file a Subpoena?!
I honestly felt I had the best bank in the world until when I needed my bank to step up and help. It is a shame this is one of the few banks available to military members when it wont protect its own customers.…show more
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.
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