Been a member since the previous name. Needed to do a wire transfer, it took me the entire day and 1 trip to the bank. Never again. 2 stars not 1 because they have a coin machine read more

The overall 1 star rating for this bank says it all.... Bethpage was amazing and now Four Leaf could care less about their members. I've made a dozen calls about my heloc and how the checks stopped working. Their reply was "of course your account number changed when we changed names and we sent you new check book" FIRST Ive had banks change names and accounts never changed. IF you were changing MY account number I should have been informed. There has been limited communication from Four Leaf. I'm now waiting on the 3rd attempt for them to send me a check book. Every time I call I get different answers. Now Im told wire transfers are no longer allowed from HELOCs. Additionally I requested to speak to a manager and when I got to her I was informed that I need to schedule an appointment for a conversation which is outrageous. IF YOU ARE CONCIDERING THIS BANK RUN FAR FAR AWAY. read more

Very disappointing experience with FourLeaf. After approving my home equity line, they mailed the funding checks instead of wiring the funds. Even though I didn't receive the checks until several days later, they started accruing interest from the date they claimed the funds were "released." When I questioned this, the representative gave a scripted reply with no flexibility or sense of fairness. Essentially telling me I'd have to pay interest for days when I had no access to my own funds. This kind of treatment says a lot about how the company values its customers. I would strongly advise anyone considering them to think twice and explore lenders who actually prioritize transparency and customer service. read more

If there was a zero start that's what I would have chosen this bank has been the worst since it changed to four leaf. Customer service is rude in Branch services road. It is just horrible. read more

BEWARE, ESCROW ANALYSIS and Insufficient funds. For a lot of us who were formally from Bethpage, after the transfer to fourleaf, they made an extra payment towards my "property taxes" soon after the transfer in July. The thing is, Taxes get charged April and Oct. I already paid April but they charged me in July and now informed me that it was a mistaken payment... My payments wouldve went up a couple of hundred dollars and they kept ignoring my clear logic around why my escrow balance should not be insufficient because I've actually been paying extra to offset and low escrow balance issues. The rep tried to make me feel like I didn't understand the issue when I own several pieces of real estate, am in real estate and understand how mortgages work well... I made a spreadsheet and clearly showed evidence there was money missing. I even asked for my escrow history report and they said they'd get it to me by the following monday, Monday came, nothing. I called back, they said Bethpage is slow so call back at the latest on the 25th which was over a week later.. Called back, they still don't have it. Honestly, I might report this to the FTC or CFPB if this is a common occurance. read more

Worst customer service experience I've ever had and FourLeaf keeps fraudulently charging me a penny after my auto payment that they control the amount of and then claiming I underpaid a penny and reporting me to credit unions and sending me threatening letters. This has gone on for over 5 to 6 months now no matter how many times I call and try to fix it or no matter who I talk to that claims it's fixed. The people you deal with also are absolutely bottom level. Don't care type bureaucrats who have no interest in really helping you and will actually transfer you mid sentence or hang up on you. They are actually that rude. I'm going to later list a couple of them with their ID numbers just so people don't think I'm making it up. read more

"This was not a simple name change; they are major the underlying heloc software internally which is causing major disruptions, changes to the app, subtractions from customers' online experience/abilities electronically via website or app" - per the branch manager To me as a lawyer, it means they're supremely close to fraudulently misleading their legacy customers. The "new" fourleaf is terrible as compared to "bethpage". "No more electronic transfers to other institutions permitted... can only use paper checks unfortunately", said the equally confused branch MANAGER. read more

If you have a HELOC, they require an act of God to get your own money. You can link outside bank accounts to pay the loan, but not to transfer the money out. Everything requires either a trip to the branch or a call to customer service, and their customer service sucks. read more

This credit union is terrible. Service has always been bad but they always had pretty good deposit rates. That has changed since the rebrand and terrible advertising (money like a woman???). Stay away!!! read more

Since they changed from Bethpage Federal Credit Union to Fourleaf Federal Credit Union. It's been nothing but a headache. I took out a HELOC loan and when I try to pay off the backend of the loan the website won't allow me to do it. I have to call and go through 25 minutes of automated responses to get to anyone. The bank account and the mortgage department are now 2 separate entities. The left hand doesn't know what the right hand is doing. It's a complete mess over there. And every time I call I get the same song and dance "we're sorry we're working on it!" This has been going on ever since they changed their name! My suggestion if you need good service go somewhere else. Call (855) 411-2372 and register your complaint consumerfinance.gov read more

Ever since Bethpage was taken over by Four Leaf I now hate this bank. Continuous problems and there's never anyone that helps you. Don't get a mortgage here, they farmed it out to some place that handles the mortgage and it's impossible to get assistance because they just refer you back and forth. Absolute nightmare read more

Christian Ramos is always very helpful and always solved any needs I had! Excellent customer service!

I have a Fourleaf account. I tried to make a transfer from savings to Heloc account. But there is no way to do this on the website. When I asked by chat, they said I need to get info about Savings from different dept and need to call separate phone#. They put me on hold forever. Both accounts are in Fourleaf, but I have to talk to 2 different depts. Keep tossing around for nothing. Why can't I make a simple transfer in 1 page. And can't find how long for this process. So frustrating. read more

I wish I could give them negative ratings. I am locked out of my account and can't retrieve my user name or password with my current loan number. Why did Bethpage do this to their customers? This bank is actually Worst than MCU . Paying a payment for my heloc has been a headache since they transitioned. I do not recommend. Look at all of these reviews.. read more

Primitive bank - manual and paper based like the 1980's. Cannot transfer fund from HELOC electronically, only by going to branch and even then it's a multi-day process or by paper check (which was never sent to me). Furthermore the app and website lost all my transaction history. read more

Worse customer service ever. You wait 2 hrs to talk to someone then they disconnect your call. I was trying to reach for last 3 days. They have no clue for anything. Useless people's are handing this bank. Be careful with this bank now. read more

This new branch four leaf is horrible I never had this many concerns until they took over. i would not refer this bank to no one take your money out there's no benefits and the workers are not properly informed or trained. read more

This used to be a good credit union. But I can no longer give them a good review. They recently changed their mortgage provider and it is impossible to work with; you can't reach a human being on the phone. Their new mortgage web page has no useful information and doesn't show the payments you made, For their regular web site, you can't download your scheduled bill payments. Their savings rates are an embarrassment. When I use the chat, all I get is "Sorry for the inconvenience". Moving to another credit union now. read more

Don't know what happened in the last 6 years but downhill is an understatement. I will be closing my account. A hacker was able to make a charge for more money than I even had in my checking/savings combined. The charge was initially declined, then the hacker tried again and it went through. How the hell was this even allowed? It's clearly time for a new bank, goodbye Edit: Wow, lying in your reply? Seriously? That's my call log with Bethpage in the screenshot, and they only replied to my email after I made it clear in my other review they didnt respond to it after 2 weeks. There were no attempts to call me, not even from a different Bethpage number, your reply to my email was the same thing you said in this reply which is, again, a lie. This new management or whatever happened here is clearly a joke and they are driving away longstanding members. I never really had use for this account after college because I gained access to better ones but I kept it out of brand loyalty. That's really all Bethpage had to offer and now even that's gone. Good luck with these business practices... read more

FourLeaf Federal Credit Union - Bethpage's number is literally saved in my phone because this has been my bank for years. The last call was December 30th - Banks & Credit Unions Near Me - Bethpage, New York

Bad experience with HELOC. My loan closed July 7th and I was told I would have access to funds 4 days afterwards. That was a lie. I didnt get it until almost a week after funding. Then I was told checks would be mailed for the remainder of the heloc. I am still waiting on those. I attempted to set up online autopay with these people and was told that my loan number changed, so I had mto wait until I received mail for the new loan number. I noticed a fax number was on the auto pay paperwork. I attempted to fax the auto pay paperwork to their office. Their fax number on the paperwork is invalid. So I called them and was told I didnt need the loan number, I needed my savings account number to set up auto pay. So now I am waiting for them to mail me my savings account number to pay these guys. They do not make it easy for any transactions. Stay away. read more

Their online services for my HELOC are awful. I've waited over 30 minutes on two different occasions to talk to a representative. I just gave up both times. Transferring money in and out is cumbersome and often times doesn't even work as it should. Payments are not processed as they should be and/or in a timely fashion. Correspondence in general is awful to try to get to the bottom of the issues. I had such high hopes for them and now it's turned out to be a bad decision to use their services. Proceed with caution. read more

I'm not sure what changed since Four Leaf took over Bethpage, but I've definitely noticed a shift -- and not in a good way. Every time I visit a local branch (Lynbrook or the one on Dutch Broadway), the clerks never seem happy or welcoming. I don't know if it's due to new restrictions or micromanagement, but the atmosphere is cold and uninviting. As a small business owner running a 24/7 operation, the limited customer service hours (Monday-Friday, 7 AM-7 PM) make it extremely difficult to get support when it's most critical. Tonight, my account is on hold due to a Zelle issue, and because there's no after-hours help, my drivers may lose business if customers don't have cash, a debit/credit card, or Cash App. For a financial institution that claims to support the community, especially small businesses, you've got to do better. Real support doesn't shut down at 7 PM. read more

Bad choice to change name, Wasting money and poor service. Growing to fast fast. Telephone banking doesn't work and reps are spread out and are not knowgeable with polices. read more

My experience with Four Leaf had been horrible and I wrote a very negative, albeit accurate review yesterday (8-19-25) of my experience. after the review I received an email from them saying they would reach out to me. Today Ivonne Rodriguez called. she was fantastic and walked me through setting up auto pay, which the gentleman (Kent) that I talked to yesterday (after being on hold forever) was simply incompetent and had no idea how to do it. Fair is fair. the same way I wrote the previous negative review, I felt I should also write this review to commend whoever hired Ivonne. She is the type of customer service professional that is well prepared, friendly and gets things done. Were it not for her, I'd be looking to bank somewhere else, but I'm now willing to give them the benefit of the doubt and continue to bank with them. Thanks Ivonne! read more

FourLeaf Federal Credit Union made Home Equity lines really inconvenient for their customers! This time I am writing about the issues making principal payments to the HELOC. The payment platform they use do not allow an option to make principal only payments even when you have made the interest payment. I have to call into the new servicer to have this done. This is another huge inconvenience for the customer. To fix this issue, FLFCU needs to move all HELOCs back to their original servicer and allow the original features of the app and online platform. I wrote a review 7 days ago regarding the following issues with the HELOC. Customers with home equity lines can only access that money through checks. Money cannot be transferred through the app or through any other source. This is extremely inconvenient for customers! Previously, customers could transfer money within the app to other accounts with FourLeaf 24/7. This is the ideal way for customers to be able to use their home equity lines because it allows us access to our money when we need it, 24/7, and within minutes! In addition, it allowed customers to deposit money into the home equity line more easily for payments. To fix this problem, FourLeaf needs to reinstate the ability to transfer funds from the home equity line to all accounts with FourLeaf and allow direct deposits into the home equity line within the app. It is understood that companies make mistakes; however, it is how they handle those mistakes that matter. FourLeaf needs to fix this immediately to show they pay attention and are here for the convenience of their customers. read more

The problem with this place is everything takes so much time. Even the simplest of tasks. It's like banking in the late 1970s-1990. The people working are nice enough. Very antiquated and since the name change to four leaf (from bethpage fcu), they seem to have gotten worse. It's frustrating to do anything at this credit union. read more

If you're considering a Home Equity loan, run, don't walk away from 4 Leaf CU. This is my 3rd equity loan (2 with former Bethpage CU) over a 30 year period. Bethpage was easy to use, terrific customer service and you could transact banking business from one screen. 4 Leaf is exactly the opposite. They have made mistakes during the initial setup and only corrected the problems after repeated phone calls (5 or 6 to be exact). It's sad when an incredible institution that has been operating for over 60 years is trashed in under 1 year. read more

do not bank with these imbiciles !!!! cannot get through on their pos automated system. simple question. they are pitiful in every aspect of banking. go to a real bank.!!!!! read more

There very quick to help you at the desk area and they are up to date on all there promotions and they did. It have me waiting to open my accounts. read more

FourLeaf Federal Credit Union - The main office - Banks & Credit Unions Near Me - Bethpage, New York

STOP DO NOT GET ANY LOANS WITH THIS BANK! Once you get a loan with this bank they make it almost impossible to pay the debt unless you have cash, meaning money in your bank account! WORST AND MOST OUTDATED BANKING INSTITUTION EVER! Was formerly named Bethpage FCU, but still crap. They do not have online payment options, besides a balance transfer to pay your loans. as well as the automated line only accept bank routing and account number information from themselves or another banking institution. You can't even use your debit card on their website, automated service or live representative. This system is designed to generate late fees for the bank as well as causing derogatory marks on your credit due to extremely limited methods of payment options. THIS BANK DO NOT HAVE THE BEST INTEREST OF THEIR CUSTOMERS! And if, you want to break-up your payment as you get it or desire to pay more frequently, it will not accept less than the actual car note amount. TERRIBLE! SAVE YOURSELF THE TROUBLE AND GO SOMEWHERE ELSE! read more

BUYER BEWARE ...!!! The Four Leaf Credit Union in Babylon charged me a 30$ fee over and over. No one ever knew what they were doing. I owed hundreds of dollars to them in just fees. They took advantage of a great customer. I left them for Capital One since they do not charge crazy fees over and over. DO NOT USE THIS BANK you will be sorry. Trust me, I started as a happy customer. Thank you. :/ read all the reviews. read more

Unfortunately, this once decent institution is no longer decent. I've been a member for over 20 years, watched it grow, now seeing it sink to nothing. t I've seen the collapse of decent customer service when it was farmed out to the Baltimore, Maryland area. A few weeks ago, I saw that Bethpage was down for a few hours. When I used my phone to do a transaction, there was an issue...so I went to my local branch. The parking lot was almost full, and there was an employee at the door of the bank. He was there to tell everybody that Bethpage has had an issue and is down. He had no idea of when it would be back up. I listened to people tell stories about how they needed cash or how they needed to deposit something. What I don't understand is that there was no email from the head of BFCU, Linda Armyn, to all of the Bethpage members, regarding what happened. There was no email that said, sorry we made a mistake. There was no email that said yes we had a problem and now we're looking for ways so it won't happen again. I sent an email to Ms. Armyn and received no response. What was once my trusted little Credit Union has now turned into a place that doesn't care about their customer service and doesn't care about whether or not anybody had problems when the system was down. You've become just another bank without a heart. How far you have sunk. Sad. read more

I applied for HELOC loan with good credit, large equity and no late payments after talking to loan specialist. He did not find red flags, but my application was declined without giving any loan options. They must be looking for specific applicants and waisting your time and credit access. No respect for clients. Avoid this company at all cost. BS at all levels. read more

This used to be Bethpage Federal Credit Union, it went straight down hill went they changed to Fourleaf. They use representatives out of state that are clueless. Customer service is horrible. read more

I am not happy as my user name for my log in suddenly stopped working. I called for assistance but in order to move forward I needed my account number. I don't have a checkbook from here and I do not receive paper statements. I was told maybe it was sent via email to check, when I did it required me to LOGNON TO MY ACCOUNT. that's the reason I'm calling. I now have to wait for them to mail my account number because my social security number and all other information is not enough. keep in mind, I was told I would receive it in 7-10 business days. Four Lead please catch up with the times! side bar, the lady who assisted me was extremely kind. read more

FourLeaf is not competent at IRA distributions. They say, because their IRA distributions are processed in MD they cannot withhold state tax for any other states, so you are stuck with filing estimated state tax if you don't reside in MD. They just ignore your request to withhold state tax and don't notify you that they did. They did not withhold the requested federal tax amount. But after 45 minutes on the phone they corrected that fed tax error. They agreed it didn't match requested amount, but had no idea why it needed to be fixed, so may happen again. read more

The disconnect of the new HELOC platform is the last straw for me. You can no longer transfer directly between your HELOC and checking/savings accounts, which has caused major challenges for me. I sent them an email and they gave me a ridiculous work around (use a check)! They are out of touch with their customers, but they do not seem to care. I will be opening my HELOC with another bank. I am done with Four Leaf. read more

Give higher CD rates to new customers,instead of taken care of their existing ones.

They are really messing up big time since switching to this new loan service. They have been botching my auto payment for 3 months, which has been as long as they've used the new service. They allocate the full payment incorrectly, which results in a false balance. Patrons, please check your statements carefully. They clearly don't know what they're doing now and that's a dangerous thing, especially with your home. read more

I would give zero stars if I could. After being a loyal customer for four years, I just found out my account was "dormant" and 10,000 dollars went to unclaimed property in my state. I will admit that I moved and hadn't been at my address for the last 9 months, so I did not receive physical mail in that time but they have my email and my phone number. There was no email or phone call, or even a message on the app to "get in touch" with them. ALSO I have been getting my "monthly statement" emails so I had no reason to doubt my money was there. The bot chat and 1-800 number were of no help so I had to make a virtual appointment. ONLY THEN I was told this information. If I hadn't been pro-active the bank would have not taking any initiative at reaching me or showing me what the issue was. It was a MONEY MARKET account so I thought the point was for it to SIT THERE. Apparently I should have been making a withdrawal or deposit "once a year".... I haven't since 2021 and no one said anything about it. I called unclaimed property and it's not there and they should get it mid May. I get that somehow this legal. Worst bank experience ever. Take your money elsewhere. read more