Member One Federal Credit Union

Worst customer service and policies ever. They charge you to cash their own checks and when I had an account there they charged me a monthly fee for no activity but didn't bother providing me with a statement to indicate that they were stealing from my account monthly. It was only after months of this theft that I finally was made aware of it and promptly cancelled my account. This credit union is worse than even the worst of the biggest banks. Your policies are so anti-customer and terrible!

Member One is a high-profile scam bank. They'll take $35 from you every month. I'm closing this account tomorrow and never using this bank again. Genuine scammers that have taken too much money from me. I can't wait for this lawsuit.

Horrible customer service. I'm moving my loan to Beacon Credit Union next month. Lee made me feel like I was stupid for not understanding how their autopay system works. Well, I do autopay with all my bills and have never had a problem — AND I have an excellent credit rating. So, I'm sorry Member One Federal thinks I'm incapable of navigating their autopay system — I'll gladly go where they know me personally.

The worst experience that I have ever had with any corporation! If you value your money as much as I do, don't give it to MemberOne! One day, you might go to make a purchase only to find out your money is gone. Good luck getting it back. If it is less than $5,000 in Virginia, you have to go to small claims court. According to Virginia law, you can't hire an attorney for small claims. They use this to their advantage because they know most hard-working people in the NRV are too busy to go to court to try and get back a few hundred dollars.

MemberOne admitted that there were fraudulent charges on my account. They ran me around in circles to try and get my money back, then told me three months later that they are keeping my money. MemberOne took almost $600 from me.

I have an auto loan, personal loan, and credit card account with these folks. The last two months were terrible financially, especially with it being the holiday season. A bank absolutely survives on the money it has been entrusted to maintain for the good of its patrons. I firmly believe that along with the money being needed to survive, the folks who work to maintain that money are really what define and keep a bank standing. Donna Harvey is a pinnacle example of folks that do their job to not just maintain the money but to maintain the customer. Instead of giving up, I stayed and continue to do so with Miss Donna's correction and discipline in helping me get back on track and stay on it. When a bank employee tells you they have been praying for you and your mom... Godsend she is. Y'all go see her at Member One Federal Credit Union in Forest, VA.

As a Member for some time. I remain unimpressed with how Member One deals with issues outside of everyday banking.
Online Service, Debit cards, Fraud detection, and even Billpay is all outsourced as you will find these are not handled by the 540 numbers. There's few things the Credit Union actually keeps in house. This leads to frustratingly long delays for issues to be resolved and often times excessive transfers or transfers to the wrong business. The Credit Union is filled with friendly folks, but as it currently stands they are little more then service routing machines with little ability to actually preform thier jobs as so many aspects of their jobs are outsourced to plug and play solution companies.

Update: I was recently informed I could not even provide them my loans new insurance info, I had to contact another company for that too.

This actually refers to all services. I have had 10 dollars taken out of my savings account every month until it was gone. Not just 2,3, or 5 dollars but 10 of my money, every month. No notifications, no emails sent to alert me. I have gone to electronic statements so do not get paper mail. Apparently this was for "non-use" but they have not closed my checking account which would make sense.
Instead they have stolen my money.
Secondly, anything IT related is amateur at best with this company. Not adequate. All things result in issues of error that never get fixed the first time around. Multiple calls and or visits for phone number corrections, address updates, and apparently email updates are the norm. Their bill paying platform for making auto loan payments malfunctions but makes you think it went through. It's not until after you have made your next payment that you're notified of an earlier missed payment and your credit has already taken a hit. These issues are not mine alone but with me and several family members.

I have an auto loan with member One and the lady named Donna Harvey is absolutely amazing and made me feel so special! She is the retail outbounds sales representative and I recommend her highly to all my family and friends. Please use this credit Union for all your finance needs they are amazing!!!

Do not trust them they are scammers! Worst bank i ever dealt with if i didn't have a loan through them i would have been stopped dealing with them. They called me harassing me about payments when i was struggling very badly which i had already informed them and i was still making payments, i just could not afford to pay full amount at once. Everyone who has had an account with them or dealt with them in the past say that its a trap and to not do it. They give high interest rated so you intentionally struggle to make ends meet.

I'd leave 0 stars if possible.

On January 19th, 2023, I deposited $10K into my money-market. At that time I asked the teller and lead teller if I would be assessed a low-balance fee. They assured me it would not be assessed.

On January 31, 2023, I received a $10 low-balance fee. The account had a $0 balance for many months prior, but did not accrue a low balance fee. I waited for over a month for the fee to be waived, thinking this had to be a mistake and would be caught either by the branch who had promised me it would not be assessed or an algorithm that would see the problem and auto-waive it.

On March 6, 2023, I called the call center and spoke with <REDACTED1>, she said she would attempt to provide a courtesy waiver. I waited again for 10 days then returned to the branch to close the account and withdraw my money due to the fee.

On March 16, 2023, After deciding to close the account I asked my wife (1) to join me (2), since I was worried I would need to have two signatures to close the joint account. So, she had to take time off from work in addition to my time, which as a senior in Computer Science is at a premium. Initially, I was assisted by <REDACTED2> who was the teller (who was very courteous and helpful). He closed the account and withdrew all of my money from my checking and money market and provided an official check. After I closed the money market, I asked if they could waive the fee. At that point he had to involve the teller leader, from whom I, unfortunately didn't get a name (he had a patchy beard and looked to be under 30, from here on I’ll refer to him as Patchy). I was in the branch around 4:30pm, from my description I am sure you can find the teller lead I am referring to, I’m sure there have been other complaints. Patchy (3) was where my problems continued. I explained everything, again, to him. Both Patchy and <REDACTED2> (4) said they could not find a note from the call center about my contact on March 6, 2023. Patchy further stated that since I had called the call center he would need to wait until his manager (5) was in the office to call the call center, speak with <REDACTED1> (6), and her manager (7) in order to waive the $10 fee. I have worked at a bank and at a credit union for many years, if saving the credit union $10 was the point, then why would Patchy need to waste the time of 2 managers, himself, a teller, and a customer support rep? I’ve enumerated the people above that were involved in this and discounting my wife and myself, you are involving five separate employees at your credit union to waive a $10 fee. This seems absurd.

Even worse this has happened in the past. That is why I made it a point to ask the teller and lead teller when I initially made the deposit. It seems pretty sleazy that you are charging a $10 fee every time the money market hits $0 both when I deposit money to bring it well above $2000 and when I withdraw the money to $0. And you are doing this to EVERY CUSTOMER. Considering the pittance you are paying in interest it would take roughly 16 months to BREAK EVEN on the $20 in low balance fees. This is criminal and Member One should be ashamed. There should be an algorithm that determines if the account is being brought to over $2000 or down to $0 and waived. I have closed the money market account and I will be closing my checking as well as soon as my next direct deposit clears. I am a student and can't afford these fees just trying to DEPOSIT money.

Your organization should not charge depositors a low balance fee unless they are holding a low balance for more than 1-month. If a member deposits money into a money market to bring it from $0 to over $2000 then the fee should not be assessed. Likewise, when a member is withdrawing money to bring the account to $0, the fee should not be assessed.

Tacking $20 onto every interaction with your money market account is usurious. I LOST money because I deposited $10K with your institution. I am sure countless others who do not have the financial background my wife and I have are unaware of this practice and should be informed.

Recently had to get a new card ordered and they estimated 18-20 days to receive it. I just called back today and found out the expected time is OVER 40 days to get a new card. Meanwhile, I received my credit card from another bank in less than a week and had a friend who also lost her card get a new one issued in about a weeks time. I got transferred multiple times on the phone because no one seemed to be able to answer my question. Not until the order was processed and I called back after almost a months time did I find out I could've expedited shipping on my card which still would've taken over two weeks.

Plan on switching my bank to member one. Even tho I fell behind in my payments the employees always are so kind to my understanding...They work with me to get my account back on track. I appreciate them so much

I've been banking with American One for 22 yrs with numerous loans. American One Rocks & thank you for the recent Signature Loan. Always a pleasure working with you.

This is the only loan company that would give us a chance. We have had our awesome bright yellow Jeep Renegade now for a year! I am very happy with this company, and would recommended it!