Dade County Federal Credit Union

I reported a fraud 15 days ago and was told over the phone that I would be receiving my debit card by mail within 7 to 10 business days. Today, after 10 business days have passed, I called the bank and a representative told me that no card was issued to be sent to me as the fraud department has nothing to do with that. The question is, why was I told to wait for it? I trusted their word and waited patiently. Come on, get it together and provide the correct information to the clients. I will have to visit the bank so it does not take a month to get my card. Very frustrating.

If you want to be charged $290 of fees in 90 days! Open an account with DCFCU. That’s what happened to me. They also took advantage of my elderly mother with $29 fees every other day. I wish I read the reviews before I signed up with them years ago. Now I made the decision to close my account for good.

The tellers are very helpful and courteous, sorry for them cause this bank is going to close... (for being a falling institution for bad services). However, the people who make the programs for this bank to run are, just students or just so selfish that they think there are the smarter programmers of the worlds; Of course poor banks hire nasty, disgraced and poor PROGRAMMERS. Looks what happened: They went to any Miami's "pulgero" and hired the said "programmers" to make its online programs. This is the third time I am sitting in a restaurant and my card is " denied". The card was in perfect status with enough money to pay the charged amount. What a shamed and embarrassing situation it was! Fortunately I had a card from another bank and I could solve the ticket. Why this ought to be a cross fingers to pay a simple charge in a restaurant? Enough is enough! Also, I do not see any benefit having an account for many years in this greedy bank!
On Monday I am going to close my account!

This credit union is among the most unfriendly and shady businesses that I have ever interacted with. Just having a standard checking and savings account with them was a headache from the very first day. I highly recommend finding a different retail bank or another credit union as it would be impossible to get any worse than DCFCU. Their interest rates on bank accounts aren’t even competitive compared to commercial banks. There are very limited benefits of being a member of this credit union. I can’t imagine trying to deal with them for something more complex than simple deposit accounts. I even tried to address the issues with a VP, but she never called back and didn’t respond when I tried to call her back. DCFCU is a disaster.

I've been a member of DCFCU for 20+ years and can honestly say that if I didn't have outstanding balances with them, I'd close my accounts. I applied for a loan (small amount) in which I was told that since I already have one, the additional funds would be added on to the existing loan. When I called for the status I was told that the loan was denied. They would not tell me why only that I would be notified by mail and that the decision is up to their loan analyst who does not take phone calls. I don't know what happened over the years but they no longer help their long time customers that are in need.

I have had an account with them since I was a child. Now, it's starting to feel like I was conned into an auto loan. NOTHING they told me is turning out to be the case. They are scamming people. I was told I could pay off the car early, that my payments would be applied to principal and not interest, that it was a fixed rate, etc etc.

For each of those issues, it has literally been the EXACT OPPOSITE. They lied, they're not adhering to anything they have told me in both writing and over the phone and I AM considering getting a lawyer involved at this point since they continue to ignore calls and messages to their loan department.

OMG if I could give negative starts I would!!!! DCFCU is the absolute worst, just run away and save yourself the FRUSTRAAAAATION!!!!!! I was with them for over 20 years, but in the past 5 years :-( WTF
OK I have closed 3 of my accounts and I have 2 to go :-)
This weekend I am closing one more :-) (Happy dance)!!!!!!

I've been a member now for 9 years. I avoid entering the downtown branch at all cost even though it's across the street from my office. the customer service su...! What a hassle to deposit a check. I received a SBA loan check with both my and my mother's name on it. Both us have the same address and both of us endorsed the check. They refused to deposit the check. I went next door to Bank of America where I have another account and deposited the check in two minutes. Can't wait to pay off my car loan so I can CLOSE this account. I do not recommend the DCFCU to anyone.

Worst bank ever. They put your money on hold every time you use your card without the PIN, if you overdraft you will be charge 29 USd per transaction even the ones that were onhold!! That is literally an SCAM!
Avoid them at all cost!

Baking with Dade County Federal Credit Union has really been a great experience. Honestly, it's a bit inconvenient that they only have about 2 or 3 locations across Dade county, but luckily I live near one of them. Also, DCFCU doesn't have a generous program for ATM fee reimbursement.

Regardless, the customer service is great and it's nice to not have a daily minimum and not very many fees. It's also great to support local, community banking rather than large baking corporations which engage in irresponsible behavior. Nothing big to complain about.

Oh, and, please update your online banking interface and smartphone app. It's very badly designed.

I got an account with the credit union a little over a year ago and I am satisfied so far. The reason i initially opened the account was because of the benefit of receiving my direct deposit from MDC a day sooner. The setup was easy and painless and I received checks and a card in less than a week. Every time I physically go to the credit union I have a good and speedy experience. The People are nice and helpful. If you live in Dade county and you are looking for a friendly safe place to keep your money or receive other services (loans etc) then this is the place I would direct you!

Dade Country Federal Credit Union is a great credit union. Every time I go into the bank locations they offer good customer service and the tellers are always very helpful. This institution is very careful with your banking account. If you exceed a certain amount spent in a day on your bank card that seems suspicious, they put a lock on your credit card to prevent more use in case it was stolen. I have actually had my bank card number compromised and was used for a few hundred dollars at a local store, and DCFCU took care of the matter by investigation and they refunded me the stolen money. They are very good at handling your bank account and any questions or problems you have. I will be staying with them for a long time and recommend them to friends and family.