Appalachian Community Federal Credit Union

Absolutely the most incompetent bank I've ever had the misfortune of doing business with. Every single transaction I've made online with my bank card has been halted, as "fraud protection", and I've had to contact the bank to tell someone to let the transaction go through; even just to purchase a damn video game from steam or GOG.

I have called customer service to request "fraud protection" be removed from my account because of this, and was told it cannot be removed, the transactions will still be denied, and I just won't receive any alerts about it.

Their latest stunt, which cost them my business altogether, was to place a five day hold on my paycheck, because "it looks like a starter check", whatever the hell that means.

These people are absolutely not competent to handle monetary transactions. If you are considering opening an account with ACFCU, I recommend going literally anywhere else instead. Banks do not get any worse than ACFCU.

I applied for a credit card here and after an entire month and still not having been contacted regarding the card, I called and told them to cancel the request. I went to Eastman Credit Union, sat down with someone and was approved within the hour. My experience at Appalachian Community Federal Credit Union was TERRIBLE. I was put off and treated like I was an inconvenience by unfriendly staff, who acted as though I should be thanking them for the application. If it wasn't for the members, the credit union wouldn't exist. I would not recommend this institution to anyone.

I have been with this credit union for several years now, and I have always been happy with them. They have helped me out several times, such as when I got married and my name changed, and after my mother passed away (she had her accounts here as well and that's actually how I found out about the place).

Even when they weren't able to help me directly, such as when I received a check addressed to “The estate of” my mother (and I had no estate account set up because Mom had set it up so as to spare me that expense), they called around until they found a bank that COULD help me.

So all in all, I've been very pleased with the service I've received from ACFCU!