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River City has exceeded my expectations as a credit union. I registered with them due to proximity; this place is very nearby, and I wanted a short trip. Fortunately for me, there's a lot more to offer than merely a lack of distance. They set me up with a great checking account without any strange fees or overages, and yes, it doesn't have features like overdraft protection, but this is a credit union, not a bank. You get what you expect to get, and if you know what you're getting into with the decision to switch checking accounts from a bank to a credit union, you could certainly do a lot worse than River City Federal.
Chase has been excellent for us. After having bad experiences with Wells Fargo and Frost Bank, we were about burnt out on the banking process. However, Chase made the application process simple, their customer service is great, and unlike the other banks we tried, they are willing to work with us on things like minor overdrafts. When we overdrafted by five cents a few weeks back, Chase waived the fee for us, and I have sincere doubts that our past banks would have done the same. Great experience so far; looking forward to using them for years to come.
I have a Wells Fargo Way2Save checking account, and in general it's just fine. We get same-day deposits on checks taken to the ATM, even after-hours. Online transfers are easy, and stuff from PayPal posts really fast. However, I had to dock the review a couple of stars because they DO alter the order of withdrawals to extort more overdraft fees. We ate a $70 overdraft for two items (a bag of diapers and some gas) because of an electric bill we paid the next day. Apparently those two purchases remained "pending" for an extra day after our electric bill went through, even though they were paid first. The bank refused to waive the fees. So, be careful if you account is low and you're making purchases. You may end up with some surprise fees.
We all go through hard times. I can assure you, my family and I were just through the wringer. When things got dark and we needed a personal loan, DATCU helped us out. The money was enough to keep a roof over our heads, and for that, we're happy we used them. However, the application process was a pain, and customer service was only able to help so much. I sort of got the feeling that they weren't entirely sure what was going on with my application either. Nevertheless, it eventually went through, and just in time. So, I can only rate down so much for this. It's a minor nitpick in an overall pleasant experience. I would recommend DATCU without question. We have even considered switching there from our bank after yet another suspicious fee was tacked on to our checking account. It's not such a bad place. If you need them, give them a call.
I actually agree with the other reviewer on the matter of overly-friendly personnel. They were indeed very friendly and attentive, it's true, but it was almost to the point of fault. Friendly to the point of seeming disingenuous. As if every teller, in their orientation, is taught the best friendliness techniques to establish consumer trust and bring up sales numbers as a result. It certainly doesn't dispel this notion that indeed you will find yourself being sold a new product or type of account at every corner. I believe I have been asked to upgrade or otherwise enhance my account on literally every visit save for a select few. On the other hand, service has always been exemplary. Hence the three-star review. Yes, it feels uncomfortable to communicate with tellers over the counter, but I've never actually had an issue with the account. Deposits post quickly, sometimes same-day. They worked with me on an overdraft that seemed to happen due to systematic oversight, and actually overturned it for me after I pleaded my case. To summarize: They have been pleasant on every other level, but in person, the pleasantness tends to run a little cold. I would have rated higher, but I honestly dislike going to the bank in person. Something about having to repeatedly deny sales to a very friendly person tends to create an awkward situation.