Even though this is my credit union, there are some issues that I have found that I do not like…read moreabout it. For one thing if you put a cash deposit in their drop box they hold it for more than a week! Who would have thought they would do that with CASH? Then they charge you a $20. no-bounce fee for a $1.67 payment from the account where they were holding that money. Makes no sense to me! When we opened our account there I did not like the way I am treated like an outsider because we can't both be the primary account holders on our checking account. Whatever happened to couples that had joint accounts and were equal? I feel it is a way to force me to have to put extra money in their credit union since we have to have separate accounts. I do not like that one bit! I also did not like the way the teller told me I should use the debit/credit card as credit as much as possible as it does not cost me any more. It does cost the stores more though. She did not tell me that but I already knew it. So she was trying to get more fees for the credit union. I would not recommend it for anyone to use Visions after all these issues I have with them. This is the second credit union I have been nickeled and dimed to death with!

I used to bank with Paragon Federal Credit Union. Honestly it was one of the best credit unions out…read morethere. God, what a great Customer Service - the staff used to go out of their way to make your day. But I guess sometime about a year ago, all that changed when Visions Federal Credit Union acquired the Paragon FCU. Unfortunately, I was traveling out of country for a long period of time and I was not staying on top of this bank account. Gosh... nothing is really free at this credit union. I was stuck with fees left and right and I have already lost hundreds of dollars in my accounts. For example, they deduct eight dollars from each of my accounts every month as the balance is below 1000. The earlier staff, if there was some charge and had I told them that I was not aware of the policy change they would have gladly credited me the money. But now, please don't even get me started - the customer service sucks big time. Anyways, long story short - it was a no brainer to realize that this credit union it will never be a win-win situation. I have decided to forgo the money that they took from me, close my account and move on. If you are considering banking with them you can consider yourself forewarned.

The absolute worst bank ever! Our account was ripped off…read morelast year. Today we found out that we're getting double-charged on all of our payments. ATM's never work. Especially on the weekends. They shut our debit cards down because they saw charges from out of state! We were on vacation!!! They could've called!!! Luckily we had other cards to get back home. Nuthin' But Trouble NBT

Horrible bank. I am on vacation right now and suddenly duplicate charges appeared on my account…read moreputting my balance way in the hole. I am closing this account immediately and never using NBT again. I have many friends and coworkers who experienced the same thing and are closing their accounts as well.

The bank is great and the tellers are very friendly. The only problem is regarding the website -…read moreit is not user friendly at all and is more complicated that most other banks/credit unions.

From the owner: At GHS Federal Credit Union, what makes us different comes down to one simple idea: people helping…read morepeople. As a not-for-profit, member-owned credit union, everything we do is designed to benefit our members and the communities they call home. That means better rates, fewer fees, and local decision-making but it also means showing up beyond banking. We are deeply committed to giving back. Through partnerships with local nonprofits, sponsorships, scholarships, and community programs, we actively invest in the areas where our members live, work, and worship. When you bank with us, you are helping support those same local initiatives and organizations. We also go beyond traditional financial services by offering free financial counseling, educational resources, and connections to trusted community programs that support housing, food access, healthcare, and more. At our Norwich location, you will find a local team that takes the time to understand your goals and works with you one-on-one to build a stronger financial future. With GHS, it is more than just an account. It is a relationship and a commitment to the community we all share.