Frankenmuth Credit Union
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"My mother recently passed away after a three-week hospitalization in critical care. My mother had a Trust made in 2022. I was her POA and am her Trustee.
When my mother passed, as her POA and Trustee, it was my responsibility to pay her bills and final expenses. When her debit card would not go through at the funeral home, I went into the branch office to retrieve $1,000 in cash, which was the balance I did not have from another bank to cover the last portion. The teller reviewed the Trust paperwork and my ID, as she should have, and released the funds to me.
The following week, I went in to close the account, as it was our desire to consolidate everything to one account for ease of paying bills. They refused to close the account without an "Updated Certificate of Trust" (remember, the Trust was just made in 2022). I asked for someone from management to call me.
The next day, "Lisa" from "upper management" called and not only demanded the "Updated Certificate of Trust" but scolded me for withdrawing $1,000 to help pay for my mother's final expenses. I asked her if she had read the Trust paperwork stating that as her Trustee, it was my responsibility to cover her final expenses from her accounts before anything else was to be considered. She stated, rather mockingly, "It doesn't matter! Your Trust doesn't override OUR BANK RULES!"
She then insisted at least three times that "It is the LAW" that I must provide an "Updated Certificate of Trust," and it wouldn't matter if the trust had been formed last month — "It's the Law!" I told her the attorney that had done the Trust had passed away—She said I would have to go to a different one.
To appease her, I paid a local attorney $350 to provide an "Updated Certificate of Trust," but after paying, and while waiting for the certificate, I sent a message to her asking that she provide a copy of "THE LAW" (presumably Michigan State law... I couldn't find it?)
Lo and behold! The next day she called and said the legal team had "decided to make an exception and will close the account without the updated certificate." Huh... funny that I couldn't find "the law" and then she offered an exception to the law... I am guessing there WAS NO LAW. Lisa was lying. Too bad I had already paid an attorney to do it.
Now, I can say firmly that I will never do business with Frankenmuth Credit Union, nor would I recommend them. Frankly, I feel like they owe my mother's Trust $350 for lying. IF YOU HAVE A TRUST, CHOOSE ELGA — They were the ONLY bank that handled my mother's Trust correctly and professionally.
When my mother passed, as her POA and Trustee, it was my responsibility to pay her bills and final expenses. When her debit card would not go through at the funeral home, I went into the branch office to retrieve $1,000 in cash, which was the balance I did not have from another bank to cover the last portion. The teller reviewed the Trust paperwork and my ID, as she should have, and released the funds to me.
The following week, I went in to close the account, as it was our desire to consolidate everything to one account for ease of paying bills. They refused to close the account without an "Updated Certificate of Trust" (remember, the Trust was just made in 2022). I asked for someone from management to call me.
The next day, "Lisa" from "upper management" called and not only demanded the "Updated Certificate of Trust" but scolded me for withdrawing $1,000 to help pay for my mother's final expenses. I asked her if she had read the Trust paperwork stating that as her Trustee, it was my responsibility to cover her final expenses from her accounts before anything else was to be considered. She stated, rather mockingly, "It doesn't matter! Your Trust doesn't override OUR BANK RULES!"
She then insisted at least three times that "It is the LAW" that I must provide an "Updated Certificate of Trust," and it wouldn't matter if the trust had been formed last month — "It's the Law!" I told her the attorney that had done the Trust had passed away—She said I would have to go to a different one.
To appease her, I paid a local attorney $350 to provide an "Updated Certificate of Trust," but after paying, and while waiting for the certificate, I sent a message to her asking that she provide a copy of "THE LAW" (presumably Michigan State law... I couldn't find it?)
Lo and behold! The next day she called and said the legal team had "decided to make an exception and will close the account without the updated certificate." Huh... funny that I couldn't find "the law" and then she offered an exception to the law... I am guessing there WAS NO LAW. Lisa was lying. Too bad I had already paid an attorney to do it.
Now, I can say firmly that I will never do business with Frankenmuth Credit Union, nor would I recommend them. Frankly, I feel like they owe my mother's Trust $350 for lying. IF YOU HAVE A TRUST, CHOOSE ELGA — They were the ONLY bank that handled my mother's Trust correctly and professionally.
Product: Frankenmuth Credit Union Checking
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