Connexus Credit Union

Horrible, the worst experience with a bank ever. First of all, I opened a checking account that boasts bonus money and a 5 percent APR for meeting certain requirements. However, the account wasn't even opened; instead, they opened a savings account, which I didn't want. I had to spend more time and effort uploading documents to open the correct account. The bonus and APR are dependent on using the debit card a certain number of times and transferring in a certain amount of money. There are two problems: they haven't sent my debit card despite multiple calls, and they also put a laughably low transfer limit on the account. So, essentially, there is no way I can get any of the benefits I opened the account for since I'm now going out of the country for a while. I should have received the debit card last week and been able to make the necessary transactions. I've wasted hours of my time and effort for absolutely nothing. Yet they spam me with emails and endless surveys asking how they've done. You've done terribly, don't you get it? Maybe take a look at some of the reviews here; it's not hard to figure out. This bank is a joke; stay far away.

Terrible banking experience with connexus. Your card will be randomly locked at the worst times. And when you call to see what’s going on and get them to unlock it, they told me that the system was down and that they don’t know when it’ll be back up. so now i’m screwed because i don’t carry cash!

Worst experience of my life! They were given every bit of information they asked for, from personal details to the purchase agreement, and were told we were approved. Fast forward to the day we went to pick up the vehicle, which was out of state, I might add, they sent an email saying we were now declined because of the validity of documents.
We immediately called to see what the issue was and were greeted with the rudest person I've ever spoken with.
Stay away from this joke of an establishment!

Connexus Credit Union needs to revise its identity verification procedures to exclude third-party personal data collection. While attempting to reset my online banking password, Connexus Credit Union made it mandatory for me to provide personal information about friends and family members not related to my account. That's not just invasive—it's unacceptable. Such questions violate my reasonable expectation of privacy and may conflict with federal privacy regulations, including the Gramm-Leach-Bliley Act (GLBA), which mandates that financial institutions protect consumer data and limit the sharing of personal information. I've filed formal complaints with the CFPB and NCUA. Financial institutions must respect privacy and follow federal law.

If you've experienced similar practices, speak up. #PrivacyMatters #ConsumerRights #ConnexusCreditUnion

I sent in my birthday, social security number, driver's license, and passport, and they tell me they cannot verify my identity. They say I cannot be a member because I am not an already existing member. It seems to me these people are just collecting people's ID information so they can do something with it. Keep that in mind when you apply with them.

"What a Kafka-esque nightmare! I just tried to open an interest checking account (they advertised a great rate and said I could join the credit union by making a one-time $5 donation to their foundation). I was anticipating a great experience. I submitted all the requested information, including a copy of my Real ID Driver's License, my Social Security card, my employment history (retired from US government), my home ownership (30 years in one location), etc. I connected an existing bank account at a major bank with their system in order to transfer an initial deposit of $1000. I was told I would hear back from them within 3 business days. Four business days later, no email, but on the fifth day I got a letter in the postal mail. Much to my surprise, it was a "notice of adverse action". The reason given was that they were "unable to verify my identity". Thinking this was some minor clerical error (maybe someone input the wrong SSN or something) I called them today. The person I spoke with said she would "talk to that department". When she came back she said she was sorry, "all I can tell you is that we can't verify your identity." They refused to tell me why. I asked to speak to a supervisor ("Louis") who said the same thing. They can't tell me why. Ironically, the letter of denial includes my current credit score (over 800 - excellent)! Yet they can't identify me! I told them I opened a high-interest checking account a few months ago at a local bank and had absolutely no difficulty. Now I'm a bit paranoid. I'm calling the bank from which I'd authorized the $1000 transfer (thankfully it wasn't withdrawn) to make sure no funds are ever transferred to Connexus! While on hold, by the way, I was Googling "Connexus" to see if I could find any similar stories about them and discovered this site. 55 percent one-star reviews! How does a credit union get so many bad reviews—many of which, amazingly, sound similar to mine. I plan to complain to whatever regulatory agency oversees them, although I'm not optimistic that will do any good. I think the letter of refusal to let me open an account may have been a blessing in disguise.

Had an HSA with them for many years. Noticed my interest payments dropped significantly. Looked at past statements and a year ago they slashed the interest rates without notice or announcement. I couldn't even find the current interest rate on my statement or online and had to calculate it myself. Transferred account and now getting 4 times higher rate.

I had a horrible experience at the credit union a while back. I had over $5,000 in my account and went to withdraw $3,000 for a belated Christmas celebration with my family. I was not allowed to withdraw at the teller; instead, I was sent to the service desk where I was questioned by two people about why I needed the money. I also asked if they had gift cards as US Bank does because I wanted one for my niece's birthday. I was beginning to suspect they didn't have enough cash in the credit union when I finally got my withdrawal.

When I got home, I received a call from some guy at the credit union who was aggressively asking personal questions without any explanation. I finally asked, "Who are you, and why all the personal questions?" He wouldn't give his name. All he would say was that he is J.D. and that he would be blunt because that's all he knows, a code for being a jerk. He kept saying there were too many flags, questioning why I wanted the money, etc. I explained that it was for a late Christmas with my family and everyone was getting cash instead of gifts, and I needed $1,000 for two weeks of travel. He argued that Christmas was in December, not now, and it didn't make sense. He questioned why I wasn't giving checks instead of cash, and why I wasn't using a debit card instead of taking out cash.

This confrontation continued, and he mentioned that I order from Amazon and went through my checking accounts, etc. Clearly, he didn't believe me, and I didn't know what else to say. It seemed he was a fraud investigator who was very full of himself and his job. With this approach, you will be losing customers. You can get more information from someone by being polite and forthcoming rather than being overbearing and demanding. I was very disturbed to have someone be so intrusive, skeptical, personal, and unbelievably rude. I've been a client for about 35 years; go ask someone who works there. I'm looking for a new bank.

The worst service ever. They gave me a very hard time getting my money out upon maturity, and they still have my money. They had a wrong digit on my phone number, so every time I would call, I would have to pass a multiple-choice test of public record questions, which I did five times. Then I completed a lengthy, tiny form for my wire transfer and was told I would get a call back to confirm. The call never came, and the representative trying to reach the wire department never could. I regret opening an account with Connexus. They paid me 0.5% more than other banks, but it was not worth the stress. I do not see how they stay in business, and my husband said they keep people's money against their will. Today, Tommy went out of his way to help me to no avail. Stay away from Connexus. I have dealt with many banks, and none comes close to the level of poor service at Connexus. They still have my money.

Looking at all the terrible reviews on here, no wonder Connexus Credit Union forces their way in by auto-signing you up when you borrow from PatientFi. This credit union (whoever they are) automatically signs you up for "membership" without your consent when you apply for a medical loan from PatientFi. Nothing on the loan application tells you that you are going to be automatically signed up with a random credit union without your consent. Also, Connexus Credit Union is so desperate that they supposedly "make the initial $5 membership sign-up deposit on your behalf." Whether they actually deposit the $5 or just pretend to is beyond me. But I see that many people here have to wait ages for their CD money, and I know Connexus isn't out here doing me any favors with "free" money. It reeks of desperation. This sneaking in practice is extremely shady and off-putting. And it's not going to work! I am even more determined that Connexus will never, ever see any business from me! What a poor way to begin any relationship where you expect me to trust you with my hard-earned money?! I will be closing that unnecessary Connexus account as soon as possible! And I'm so irritated that Connexus has created more administrative work for me. I loathe Connexus already at this point, so I will never do business with them! And judging from their consistent one-star reviews, I can see I'm not missing anything. After I applied, was approved, and everything was finalized, Connexus came out of nowhere! It irritates me to no end that when I gave my information to PatientFi, PatientFi then passed my info on to Connexus without my prior consent. Opening a bank account under someone's name without their consent is unethical! I'm guessing they know people would not consent to this, so they sneak it in after the fact. Unlike every other page (that I actually saw and signed while applying for the PatientFi loan), the tacked-on Connexus page bears no signature because it was not part of the documents that were shown and signed during the loan application. That page was just added out of nowhere when they put my electronic documents online.

Please do yourself a favor and do not join this credit union. They are very deceptive and discriminatory in their practices. They will require certain things from one person that they will not require from another. Their application will ask for identification requirements and once you meet those requirements, they will come back and ask for different requirements, which contradict their application. I tried to join to open a savings account. Their online application was fairly straightforward. When I arrived at the ID requirement part of the application, this is what they asked for:

Please attach an image of your valid government-issued photo ID and proof of your SSN (Social Security Card or Passport page). If your current address is not reflected on your ID, please provide an image of a current bill or another third-party proof of address.

I provided my driver's license and passport page. The next day, I got an email saying they could not run my credit because I had a security freeze on it. I called and asked why they needed to run my credit if I was only opening a savings account. They said they needed to run it for verification purposes. I agreed as long as it was only a soft pull. After running my credit, they sent another email asking for a copy of my SS card and utility bill for proof of address. I called them once again and questioned why they needed these two things, according to their application which allowed for my passport page and driver's license as options:

Proof of your SSN (Social Security Card or Passport page). If your current address is not reflected on your ID, please provide an image of a current bill or other third-party proof of address.

My current address is accurately reflected on my license. After speaking to a manager, I could not get a clear understanding of why I was being singled out for all this information to open a savings account. I'm depositing money, not requesting it. I hope they are not scammers because they have all my information and I have nothing of theirs. I do not understand why they need a copy of my driver's license, my Social Security card, my passport, my credit report, and a utility bill to open a savings account. I'm not applying for a loan or a credit card; I'm depositing money into a savings account.

Terrible organization. I do not know how they are staying in business. Very bad experience; they gave me misleading information and have no respect or value toward their customers.

Terrible place for CDs. They are so shifty and dishonest. I had a jumbo CD with them that matured on September 14th. I just received the check today, on September 24th, and my bank told me it would take another week to clear. And why a check, you may ask?

Connexus blatantly lied to me and told me the amount, $200,000, was too much to be sent via ACH. Well, that's not true, and that's how the funds were sent to them. Every other CD I have had, and there have been many, has always been returned to the original account via ACH.

The representative assured me the check was in the printer, would go out that day, and I would have it in a few days. All lies. And on top of that, it was sent via regular mail. So, instead of having my money in a day, it will be over two weeks. That's a substantial amount of money for me, and just think of the thousands of customers they are doing this to!

Not to mention the Feds just dropped rates, and CD rates are dropping with that!

Last year, I asked for my dividends to be sent to me... again, they did it by check. Well, that check was lost in the mail, and it showed up 6 months later, then had to be replaced. I was very ill at the time and didn't even notice until all that time had gone by.

Never again, Connexus, and I'll make sure to tell everyone how sleazy Connexus is!

Absolutely the worst—run! Horrific lack of communication. They have messed up my title processing on two vehicles at two different dealers, with them being the common denominator. They doubled my interest rate because they were unwilling to communicate with the dealers or the county clerk, even though it was their processing. If you don't set up auto-deposit from one of their accounts, your bill pay checking account payments from outside are always late, and they blame the postal service. Worse than what Wells Fargo was sued for—a terrible bank.

Applied for a Jumbo Certificate and was approved. Received an email confirmation. Then they used Plaid to verify my account for the money transfer. I waited 5 days. Called them back. They said it takes up to a week to set up the account. Called ten days later. Now they told me that my account was denied! And that confirmation letter? It was a system error! And why was the account denied? You will receive a mail. The truth: the rates are going down. So Connexis plays these unfair games to get out of a Certificate commitment. Stay away. Not a bank you can trust.