L&N Federal Credit Union

They disqualified my membership after I deposited over $500 because they required a Kentucky driver's license. They did not accept my passport, nor my current valid Alaska driver's license, nor social security proof of income with my name and SSN letter from the US government! It took them over four months to send me my deposit because the check was lost, and then they required a notarized response on a document that had no place for a notary stamp. I have never seen such disorganization and a horribly inefficient administration.

My wife and I have banked with L&N for years, holding multiple checking and savings accounts. It has become very odd that whenever I apply for a loan for any purpose, I have to jump through hoops. In contrast, I can easily get approved with no issues at a different credit union down the road. I wonder if they realize that they profit from my money sitting in their branches. I will be withdrawing all my money and taking my business to Transcend Credit Union and Commonwealth Credit Union, both of which are very helpful and process loans in a timely manner.

This credit unions workers have horrible attitudes and the bank does everything to keep from giving you your own cash and they make lots of mistakes with peoples money they have changed for the worse

Worst bank I have ever used unprofessional and unfriendly service never a good time when I had to contact them about anything change your bank while you still can I was glad when I did. They don't care about you they just want your money.

This site do not update my credit balances often enough. I have paid off several credit balances with in the last several months. I would like to see the update on my balances more often.

This was during the pandemic. There was nothing I could do. I almost died. I lost my job and my son. I tried talking to them and there was nothing I could do.

I have nothing good to say about this establishment. They cannot wait until I’m a day over 30 days so they can report me late. They took this veteran and run him through the ringer. In hard times they will not work with you they will demand their money they will charge you interest they will charge you late fees they will charge you every fee they can they will not waive anything for Covid or any other items at the United States government feels fit for them to do they will slap it to you on one cheek and then hit you in the other. Don’t think it’s bank credit union whatever they wanna call them selves.

For one reason or another I allowed this bank to have my business for far to many years not as a primary bank but as a secondary bank I used for other reasons over the years. But a few years back I had decided to use them as my primary bank verse chase bank (which by the way I highly suggest). From the start it was obvious that the way L&N carried business it was fairly old school but nothing to serious, but as the different life events happened like needing to use my bank card to get an uber and not being allowed because it was a Saturday night after 8pm and I hadn’t released my card for the evening.... I hope you get the point I have many other examples such as not being able to make hotel reservations while on the road because of the aforementioned reason being a Saturday night and all...... I hope the point has been driven home I won’t mention the very unacceptable experience from today but it was a much worse and truly unforgivable experience. I would highly recommend that you think long and hard about allowing a place as poorly ran as this to hold your money for you.

On many occasions, I have been to the Walmart L&N Branch location to manage simple banking transactions, as this location is very convenient to my home. I have never experienced such unprofessional service and management of a banking office. The customer service windows are not sufficiently staff, thus causing customers longer than necessary wait times. Even when the branch first opens! While it is obvious that customers are becoming impatient, someone from the back of the office calls out, "it will just be a minute". ???? First of all, you do not yell across the floor to a customer, second, recognize the frustration of the customer...… offer assistance and apologize for the wait time! This is Customer Service 101! In my experience in the corporate world, studies have shown the cost of poor service. Poor service will definitely put your business into a tail spin. Needless to say, I will not be doing anymore banking at the Walmart L&N Branch. I will forgo the convenience and travel to Brownsboro Rd. to do my banking. That office is managed professionally, and each customer is treated as if they are a very important client.

I had a deposit go missing on my checking account. I was so impressed by the way the situation was handled. I was given a provisional credit until the matter was resolved. I was contacted daily by someone from the bank to update me on the status of the deposit. The people I dealt with, even down to the teller, were all so efficient and courteous. It was an honest mistake on their part and they went above and beyond to make it right. It's the only issue I have had with them in the years I have been there and because of that I would recommend them to anyone, even if just for the customer service!

I have been with L&N Federal Credit Union for more than 5 years and I have had nothing but positive things to say to friends about my experience as a member. I opened my account shortly after moving to Louisville and in order to help kick start my nearly non-existent credit history, I consulted with L&N who set me up with a small 12-month loan. A few months into repayment, I sent a check with a $0.46 discrepancy between the numerical and written amounts and instead of presuming which amount I intended (it would have been understandable; my payments were the same every month), a clerk called to clear it with me over the phone first. That was a simple pleasantry that went a long way. My primary means of communication with L&N is via e-mail and I have always received an adequate and thorough response within 24 hours, sometimes even within the hour. The only problem I have ever had with L&N is navigating the website, but it has been years since I tried, and honestly that had everything to do with my reluctance to try new things / layouts than them. In terms of credit unions, I will say that I recall their website being far and away the most technologically up-to-date I had seen and I've banked with a large university credit union in my time as well. When it comes down to it, if you live in their service area, I highly recommend L&N. They're small loans, first time home buyer assistance, and flat out excellent customer service, in my experience, just can't be beat.

I have been with L and N Federal Credit Union for about five years. They have always been fantastic and courteous. They denied me a used car loan based off nothing, but that worked out in my favor. I have never been a fan of car payments. I was a little disappointed that the decisions for loans are not made by anyone in the company. The checking and savings accounts I have, have never occurred a single fee, which is a big step up.