I'm going to give a fair review like I always do. There are some nice people who work there. Gina was really helpful, the others I spoke to on the phone, rude!!. Their are pro's and Cons of having a small credit union. I will list the Cons. The hours of operation, closed on weekends. If you have a question you better call before 5 pm. If you go out of town and want to take out more money then allowed at a ATM, Sorry Charlie. The reason why I am writing this review is because of the way they handle ACH payments. A payment that is taken out on the same day as a deposit will result in a overdraft fee if there is no money in the account even if the deposit is the same day. For an example. Say you have direct deposit and you know the money will be in the account. If you have a transaction or multiple transactions before your direct deposit is in there, you will receive a overdraft charge, or multiple overdraft charges. Other banks like BOFA, or Wells Fargo I'm sure even chase does not do business like this. I usually only write yelp reviews when I receive great service or terrible service. The customer service lady that I spoke to the first time was so rude and not helpful is the reason why I am writing this review. If you are looking for a great refinanced car loan they have great rates but banking, I would stay away. read more