5 Stars for Byron for straightening out the mess. 0 stars for the idiots on the other end the 800#…read more on the back of my debit card.

This bank is the best combination of a local bank with great service and friendly staff, and a…read morelarge national bank. The staff is friendly and overwhelmingly customer service oriented. Over the past 10 years they have consistently provided support to my family - and been very easy to do business with. I would recommend them highly.

Can I leave less than one star? Over the years, I have called regarding a loan I cosigned on to the…read moreCanandaigua branch. I am a local attorney, born in Canandaigua where I am sure most of their lazy employees are not local and not highly educated. What a rude reception I have always been greeted with. Terrible service, with rarely any sound answers to my questions. The last time I called I was on hold nineteen minutes. I will NEVER use this bank for any reason in the future. Too many other great banking institutions out there. Avoid this place like the plague.

Having difficulty with a compromised debit card. Can not access manager or assistant manager for…read morehelp. Joanne

Absolute trash do not deal with this bank I have a loan through them auto pay weekly and they still…read morecharge me late fees because they cash 1 to 2 checks after a certain date each month towards the loan (so two of my monthly payments are currently being charged late fees), I am looking at refinancing elsewhere. The cherry on top is this has been happening for almost a year an unbeknown to me they have been reporting me to the Credit Bureau for non payments on my loan, so not only do they get their money every month from me they are also destroying my credit score over the same transaction. After this experience I wouldn't even considered a withdraw from one of their ATM's in fear they will bill me a year later and report me for non payment

Worst experience I've ever had with an auto loan. Do not get an auto loan from this bank. They…read morecharge predatory and unethical fee's, communication is really poor and their payment portal is not user friendly. I was dealing with some financial hardship recently and they were charging me $118 month in late fees for just being a few days past the grace period. Horrific experience.

My entire life I have always gotten the impression that a credit union was this great place that…read morewill help you with your financial needs and it was great to get into one. Well, this was my first experience with a credit union and a major step in "adulting". I have to say that my first experience was terrible. First of all, a business is supposed to work for you as the customer. I have a choice of where I bank and a business needs customers to stay in - well - business. So, they work for you. This is not the attitude here. You have to prove yourself to them. I had to jump through all the hoops to prove I was a good customer, I had to wait two years for them to deem me worthy of getting a debit card for my account. I have seen no benefits vs an actual bank. Actually, they seem harder to please to be honest. I've had them for 5 years and now that I am working on my credit, have a few credit cards, 100% on time payments, have never had an overdraft. They have recently in the past few months started the habit of returning my automatic payments. DON"T USE THEM TO PAY YOUR BILLS! This has happened 5 times in the past few months all with different bills. They just out of the blue decline a payment for no reason. Have a couple thousand in the account - decline a $25 payment so I get charged a late fee from my credit card. My car insurance that has been on the same account for years- declined- I get a cancellation notice from my insurance about nonpayment. It went through a few days later. And every time I call them it's always the same excuse "we see nothing on the account as to why it was returned" Like they just decided to not pay the bill for fun? Just so I can get a late fee? Unacceptable! I just did it to me again today and I got a late fee from my credit card that was set up for automatic payment. I called the bank. Same excuse. I got approved for an actual free checking account at a normal bank the other day and will slowly be phasing out the credit union for my bill payments. I just can't rust them anymore they decline/return everything! I may keep the savings account in the event they may be useful down the road. But using them as a main bank is done.

Esl was supposed to CLOSE all accounts however failed to do !…read more They would accept and deny deposits to the account after it was closed. Accepting a deposit reopens the account I closed. They paid a charge after the account was closed and the account was classified insufficient funds . Customer service is pointless cuz is they would learn how to read : they would recognize the account owner. 1.) Good thing for bank statements cuz it states the correct information 2.) Passwords for accounts are made for a reason to prevent the crappy service I received yesterday. 3. ) Waited 45 minutes on phone ,3 esl brainless employees who were lost and confused. I do not recommend any ESL branch. One star cuz they have quality printing ink for statements.

Big banks bad, local credit union good. ESL especially so…read more Don't support "too big to fail". You get all the services a big bank provides anyway.