SEFCU Checking Accounts

I have been with SEFCU for 20 years. I have done a lot of banking with them over this time but one of the things that is really annoying is there inability to trust or respect other financial institutions. I deposited a check from a major corporation and SEFCU put a week long hold on it to make sure they got their money first. Now I realize this is considered smart business but when you have customers that are counting on you maybe take a risk for them or use common sense which would tell you a large corporation would not renege on a tiny insignificant amount of funds they pay out. It used to be SEFCU would hold funds on certain checks and against certain institutions but not on all. It is just a shame and makes me think if SEFCU can’t trust any other institution how do we know we can trust SEFCU.

Be careful dealing with SEFCU! I had my debit card stolen and reported as well called many times and did not care to help! I am member for 30+ years and no more. I urged everyone to make sure you write reviews so all others can make their decisions. I am done with this bank and urge all others to do the same, that is the only way you can teach them a lesson

One day, is all I had left to cover a overdraft. They shut it down and thats after they posted my SSI, so the money was there. They claim the overdraft was over 60 days old, but thats BS, every month money is sent from SSI. They also said it never reset. They also claimed that they sent letters out stating that, which never came. Mobile app, online, all I got was low balance notices. In this day and age everything is electronic, so why didnt they do that? Your just a number to them, not a human.

Poor services customer service is horrendous don’t care for loyal bank members ridiculous fees poor communication poor rates poor satisfaction

I never felt so rushed and unwelcome by a customer service representative at a credit union the way I did today at SEFCU Latham Branch. I don't if I got there just before her lunch or what. I stopped at the branch to make sure that my tax return direct deposit has been returned or rejected by the clearinghouse so I could get my paper check in the mail or another direct deposit. Becky or Rebecca, I can't quite remember her name was so rude and unprofessional. I was at her desk for probably less than two minutes. You could sense by her responses and open-ended questions that she wanted to get rid of me quick. Thank God I still have my CapCom account just down the road, and my NY State Payroll direct deposit will follow me as well...

Worst customer service I have ever experienced. Once they have your acct., you are crap. Horrible!!!!!!!!!! Took my deposit by Tele deposit then the 3rd deposit, they say they can't. No notice, just can't do it. RUDE PEOPLE TOO!!!!

SEFCU has a bad problem with not checking names instead they only check the account number. This is the third and final mistake on there part. First they posted our daughters funds into someone else's account 2 times. Third they cashed someone else's check onto an old account of mine applying charges and sending it into the negative. Turned around closed the account and turned it over to collections with no attempt to notify me. Three years latter they corrected the error after I confronted them about it. Vest your money with them if you dare but watch everything they do.

I am okay with my account at SEFCU. I am not overly impressed by the services they offer, but they are not bad either. They have okay loan rates, and the savings rates are extremely low. The staff at the local branch i go to is friendly and always willing to help me when I have any issues. I wish they would update their online services though. They are a nice local credit union to have around. I would probably shop elsewhere if I needed a loan product, just because I feel like there are other credit unions with lower rates. They do have a free checking though, which is great! They also made the account opening process very easy, and opening a checking was easy as well.

My experience with SEFCU has been great, no account charges, no fees, no cancellation issues if I need to move accounts since I use this bank while I'm away at college.
My only issue with this checking account is that the online portion is finicky, I accidentally locked myself out of my account and after several attempts over the phone, still haven't re-gained access due to an obfuscated robo-call process. Somewhat frustrating.