I love this credit union very professional and courteous. The staff is knowledgeable of the…read moreproducts they offer.

From the owner: Why us? Because with Jovia on your side you can save more, earn more and lead the life you want…read morewith convenience and optimism. That's why we call it banking on the bright side. We are a credit union, which means we're like a bank, only better. We have all the services of any big bank, but our rates are better and our fees are lower. Simply put, we make your hard-earned money work harder for you so you can do more at home, at work, or on vacation. But we also provide the kind of personal service big banks can't offer because we know that finances aren't just about money, but people's daily needs and long-term aspirations.

Check the class action lawsuits & poor reviews against Capital One and you'll realize they prey on…read morecustomers, especially vulnerable seniors with mental disabilities as well as vision and hearing impairments. This branch hires staff, who have not been trained with customer service skills to deal with neurodivergent and/or disabled customers. They approach everything from an ableist and neurotypical mindset with illogical contradictions by assuming you should know what's not written or what they conveniently forgot to share without any empathy to understand or validate their customer's experience or views with an open-mind for win-win resolutions. Worse yet, they blame others as the scapegoat for their incompetence, inefficiencies, and gaps in their processes. Their manager blamed a disabled 84-year old senior with ~80% hearing loss after a stroke & autistic advocate for talking too loud without realizing not everyone can control their emotions with an arbitrary norm that never considered their inputs and feedback while being gaslit. They're clueless on how they frustrate & accuse clients when they don't even track their inconsistent misconduct and transactions with notes and records to justify their "discretionary" actions without transparent criteria, notifications, and consent. Moreover, they mail a legally blind spouse the letter for insufficient funds in a joint checking account with the overdraft protection requirements met, but fail to notify the hearing impaired spouse who pays the bills before stating that they have the right to reject transactions at their discretion without any transparent criteria or consultation. As a result, customers suffer recurring penalties for returned checks by 3rd-parties due to their discretionary, uninformed decisions without consulting clients. For example, they seems to run a clever scam with overdraft fee protection that is useless moot except as a deceptive marketing tactic to get money transferred in since they can reject paying any transaction. Even if overdraft is enabled on your app, you have to transfer in $250/month from external accounts to get no fee overdraft protection, which isn't leveraged if they reject a transaction, such as a recurring autopay payment to a credit card. Moreover, staff coerces you to open more checking accounts than needed only to confuse and profit from you because they can't or refuse to consolidate and simplify them for the elderly or disabled by creating accounts with unequal "protection," which seems moot. Their branch manager and team failed to inform us of the free savings transfer option, which couldn't be selected due to being grayed out and is useless if the bank rejects any transaction before the protection or transfer can take effect. Why would anyone or business trust a bank that can reject any transaction & cause 3rd parties to penalize you for returned check fees at your expense with you accruing interest and fees in a vicious loop while trying to bridge these communication gaps that they could liaise and resolve with their relationships from repeat business. This seems like collusion, conspiracy, and exploitation. No wonder their staff got poor reviews (TrustPilot, WalletHub, & Better Business Bureau). They don't exemplify leadership or people skills to collaborate with relevant stakeholders for solving problems. They just regurgitate biased, non-transparent terms and conditions that either use jargon that only they understand or hide key, but vague, clauses somewhere to make it hard for you to find these loopholes. Worse yet, they put words in your mouth and fail to provide explicit instructions with accountability to fix unforeseen gaps. Then, they badmouth other companies by claiming that customers must have given authorization indirectly for Capital One to reject payments when they switch autopay from one Capital One account to another without proof of consent or communication from 3rd parties to support their interpretations and actions. They don't even know how to contact their disability team at their corporate headquarters except to give a generic 800 number to the company and ask for an American Disabilities Act representative. Clearly, they've never actually tried this because this doesn't work from me testing this by calling and getting sent on a wild goose chase to the wrong units and disconnected with inefficient cold transfers with redundant verifications & without context. I would give them one star if they even tried to empathize and be open-minded enough to fix their flaws because we're all human and make mistakes. However, these vultures could care less and prey on vulnerable customers, who can't defend themselves because they're used to getting their way without getting caught while preventing customers from closing accounts that they coerce them to open due to technical limitations, even though technology can accelerate or automate processes, not be bottlenecks.

For 3 days now cap 1 has had thousands of consumers auto deposit pay checks and have not YET paid…read morethem out to their clients!! They say it's a third party issue Well that's their issue NOT mine and they should pay us and THEY should wait for the money. Meanwhile all this money is gaining interest too! who gets that and how are we being compensated??

Run as fast as you can..... I left Chase and came to TD…read more What a mistake- they hold checks for 6 days until they clear!!! Really? Is this 1980? I'd rather have my money under my mattress than deal with these crooks. Run

First I couldn't pay my Mortgage, then they freeze my checking account because a device logged in…read moreand couldn't pay my mortgage, without notification? Went to the supermarket? Found out there. How embarrassing. They can kick dirt.

How ironic that both locations (Melville & Huntington) ATMs are "out of order" or you can't get ALL…read moreof the options. Every week. LITERALLY. Maybe it's time to upgrade your machines so that every week when I attempt to deposit money I don't have issues with doing that.... just a suggestion ‍.

Here's the Scoop: This bank has really trumped up business since opening years ago. So much so that…read moreit now has 2 outdoor banking ATM's. It's convenient and ATM's indoor and out always work. During business hours it's always busy but lines move fast. Located on Route 111 and Carleton across from Dunkin Donuts and Islip strip mall. You can always pop in for quick service. Bank is always clean.

Not even worthy of a star but I couldn't post a review without one. The drive thru ATM has been…read morebusted for over a year so the lines are always backed up there you literally have to insert your card 20 times before it works. The inside ATM is always broken and God forbid you have to talk to someone in one of the offices prepare to wait over an hour.

Chris Ball his team at North Babylon branch always make you feel like their favorite customer when…read moreyou walk into their branch. Bonnie is very helpful and frequently walk out of her office to make sure each of customers in her branch are care of. Xiomara it's always armed with a smile and a professional attitude as you approach the teller desk to help you with your banking needs. i've been a client for over 20 years!

Horrible customer service I recently had a loss-in family due to that I was unable to make it to…read morethe bank and make a deposit and was charged fees . when I spoke with a bank representative by the name of Marie her phone number in branch is 631-242-3090, she was very rude and pretty much said there was nothing she could do her hands were tied and when I had mentioned it I would contact corporate in regards to this, being that I've been with the bank for several years and this was a difficult situation for me due to the loss in my family sheRefused to give me her name again and was very rude and hung up on me this is the type of treatment customers receive during a difficult time it's ridiculous!!!!!

Over the years every aspect of their business has seemed to decline. Customer service is…read moreunreliable and unhelpful, they charge a fee for every little thing! I moved my account to them from Chase because I didn't want to pay a fee for not having money but now I'm paying that and more in fees even though I'm above that minimum deposit level for most banks. Worst is that I have a nyce/plus debit card so the atm is free in that network BUT if it's not a TFCU atm then TFCU charges a foreign atm fee?? How ridiculous! It's not like tfcu is a major bank with locations all over sometimes you need cash for unplanned expenses or for tips, lotto, e.t.c and I shouldn't have to drive 30 minutes to get it. I disputed a charge on my account because the website never sent tracking info or confirmation it was shipped or even paid for and I needed the item for a scheduled car repair. Websites order number search came up empty like I never ordered it. Tfcu waited a month to tell me I did it wrong it's a different form, I got form emailed it back but that was not the correct address, I called got right address, sent. They did nothing, not an email, not a phone call, called today they say nothing they can do, I'm out $218. Leaving them asap

**DO NOT -- seriously, run the other way.** This company…read moreis extremely unethical. They failed to uphold even the most basic professional standards. They withdrew **$800**, leaving me in debt and unable to cover my utility payment. Absolutely unacceptable.

horrible, put my card on lock after spending 71 dollars while i have a little over 500 in my…read moreaccount saying they think my card was stolen and declined my payment so i further couldn't but anything and it completely ruined my time shopping at the mall with an old friend.

I like the model that chase bank follows. Most of the branches are big and bright with plenty of…read morewindows. They cleaned out a lot of their old branches and ones that they took over from other banks. Most of the branches these days are full service with tellers, plenty of automation, mortgage and financial services. What I like most about the Chase branches are the teams that are in them. The people in these branches are extremely friendly and helpful. We use Chase where I work and I have personal accounts with them too. I am just so pleased with the time and attention given to me with any questions I have. I suggest you stop by Chase if you're shopping for a bank.

I've been a loyal customer for decades and yet the lack of coordination between the departments…read more(online banking & fraud department) as well as with Merrill Edge frustrated my family with four members using BofA to the point of threatening to withdraw our accounts. What should have been simple to setup, such as a Zelle transaction, was a nightmare. When helping my dad, who is 79 years old, learn online banking in the midst of the COVID-19 outbreak where seniors will be fined for leaving the house, the fraud team stated, "You can't teach your dad to use online banking for sending money without adding all the recipients, who are kids, to his account as co-owners." This policy, which is a conflict of interest that enables elder abuse, was confirmed by five representatives in the fraud team, including two supervisors, and yet they all found this reasonable unlike the online banking team of four representatives, including two supervisors who stated that the fraud team was wrong about this policy and recommendation. To make matters worse, the fraud team undid what the online banking team did to help walk my dad through how create his online ID for using Zelle after verifying his identify with the speaker phone on to guide us step-by-step. Bear in mind that each time we called, there was at least a two hour wait with multiple transfers to the wrong departments and calls being disconnected without anyone calling us back. This all started because my dad's check from Capital One took two weeks to clear using mobile deposit compared to a few days for my brother, who is a regular BofA customer without preferred status and received the same amount from the same bank from our dad. However, as a Gold Preferred client, I didn't feel like one nor did these delays reflect this in their "algorithms". I've rarely see my dad lose his temper, but an online banking supervisor refused to conduct a three-way call as per my request to align a plan of action with their fraud team before wasting my dad's time from more verification questions that he passed for several times in several days. Although my dad passed all his verification question in the past, he missed one of five questions that even I couldn't answer since it relied on one's memory without any context (e.g., statements, computer to view account) at the time: "What month and year did you open your account?" Unlike Fidelity, which uses voice recognition, the supervisor also pissed my dad off with a series of verification questions that he had repeatedly answered correctly for other reps by raising her voice thinking that it would be clearer for a 79-year old with a hearing aid without realizing that this creates more indecipherable noise. Despite telling the reps each time that they should call my dad on his cellphone, which I set up with bluetooth to direct calls to his hearing aid for clarity, they disregarded this along with several of my other suggestions (e.g., three-way call the relevant departments) to maximize effective use of his time without aggravating him further. This frustrating customer experience tore my family apart with arguments due to BofA not being able to handle these matters efficiently and effectively with the customer's perspective in mind like Capital One and Fidelity did. The local branch manager was able to resolve things as per my request, but even his tone and impatience seemed off-putting by implying my dad can continue visiting the bank with: "Your dad came to the bank a few days ago. What's the problem with him coming in? . . . . I've got several people waiting that I also have to take care of." Furthermore, they neither advised him not to withdraw his required minimum distribution from his IRA (due to the exception this year for COVID-19) nor told him the implications of withholding 20% of this that he likely overpaid in taxes before filing his tax return to see if he qualified for deductions, refunds, etc. This statement came just a few days after America led the world with the most cases of COVID-19 in NY. I guess the staff can't imagine my mom yelling, "Stay home!" As a result of this, my mom, who is a loyal Citibank customer, stated, "I refuse to do business with BofA in the future" and asked me to take her name off any BofA accounts. I'm at the point of pulling my account if they block any more transactions or delay them unnecessarily because i can't waste three full days of waiting for poor customer service to refuse to try my suggestions when I know my dad better than them as to what he'd accept and get mad, if at all, at.

Pretty cool bank...they have a lot of money here LOL…read more The staff has always been super friendly. Since Coronamona has changed things a bit, this location has adapted wonderfully. There's now a security guard that will remind you to wear a mask. Those little stickers on the floor to tell you to stand 6 ft apart. But the best part is I always leave with more cash than I came with - thumbs up!