Advancial Federal Credit Union

Great interest rates and discounts for automatic payment customers. I was able to get a phenomenal rate for a used vehicle without a co-signer and fair credit. Countless people recommended using them I know many people who are repeat customers.

As a member of Advancial, I can honestly say they are an outstanding financial institution! From their friendly and helpful customer service to the products they offer, they are the best around. Their checking account earns dividends, there are no ATM fees, free checks, and you earn points on your debit card when you use it! In addition to their checking account, they have low rates on loans and competitive rates on CD’s. Advancial is hands down the best financial institution I have ever banked with!

Advancial Credit Union is the worst banking institution I have ever had. 1. The Bank manipulates overdraft, deposits, and pending transactions to extract more money into their bank. They allowed $1.00 charge to come to trough my account over a period of a week, and since the account was empty, they charged me 4 separate $25.00 fees totaling $100.00 + $4.00, and told me there was nothing they could do about it because I have overdraft protection! Absurd! 2. The bank barely has any locations to go into to talk to a REAL person 3. Their Customer Service is horrendous. I am sure all the customer service reps are angry, mean and rude because they are speaking with disgruntled, unhappy customers all day long! I am going to wait until I find out if my 4 disputes are gonna be deposited back to the account and I am closing the account OUT! Absolutely no Benefit, just them, trying to take your money!

Worst financial insturion or credit union ive evee seen
You csnt log in online. They tell me i provoded wrong axxount number but i didnt. Then asked me for security answers which i also answered correctly. Then it locked me out. So i call and they do not take calls.om wkemds .what kind of shady company doesnt answer calls aftee 5pm during the weeknor.any calls om wkend.
I have seveeal accounts here and i will be closimg ..As soon as they open Monday 8am to 5pm.mon through fri

Ridiculous

Advancial FCU intentionally manipulates deposits/ withdrawals to maximize overdraft fees. I've been a customer for over fifteen years and I can prove undoubtedly that this is the case and it happens every time like clock work. I'll be reporting them to all agencies.

I have been a very long term customer of Advancial Credit Union, since at least 1992. Seems that within the last year many policies have been changed to extract more fees. Looking a lot more like a bank than a member owned institution.

Beware using their Advancial App for Android to make check deposits by taking images of your checks. Even though the images are clear and legible on your phone they are always rejected by their processing back-end. Also if you make deposits after 3pm CST they will not occur until the next day. Additionally, If you deposit money over the weekend don't expect the deposits to occur before they process your outgoing payments on Monday. Your withdrawals will occur immediately but your deposit won't occur until after 11:30am.

This is the crux of why I'm writing this review. Since the check did not clear, a draft of $10.37 cause a fee to be charged to cover it. Once the account was negative and the check was not deposited it was then a cascade of every pending transaction to trigger a fee of $27.50. After 6 pending transactions worth $58, the fees were $175 on $58.

Time for me and my 7 accounts to move along.

I love Advancial. It is a small independent credit Union and I feel good about supporting it. They do not charge a monthly fee like other places so I know I won't be losing money that is in my checking account. All the people are very friendly and they gladly answer any questions I have. Another great thing about Advancial is that they offer discounted tickets to Six Flags. Advancial is very family orientated, they even have a play area for children with Legos and such. I am so happy that I chose Advancial as my credit union. I will be with them for a long time.

Advancial Federal Credit Union was my first banking experience and gave me a loan for my first car, so they hold a special place with me. Being young I knew next to nothing about banking, loans, finance, interest rates, etc. The customer service rep really helped me out. She walked me through the entire application process, explained the interest rate to me, etc. She helped me qualify for the lowest rate with the down payment I had available. She opened my checking account and set up direct deposit from my part-time job for me, and connected it to a savings account that my parents had gifted me. She even set up automatic bill pay for my car payment so I didn't have to worry about anything. Very friendly and knowledgeable. Great bank all around.