Core banking systems were swapped end of 2024 and not one day since has anything about accounts…read morebeen correct. I had a "billpay" that was sent out to the wrong bank, cashed, and the credit union refused to fix this problem, only shrugging and pointing blame at their Bill Pay vendor. As of this morning, logging in to the system results in no access to any of my accounts, calling in the phone system says "we are closed, please call back during open hours" but it is 9:15am and they open at 9am, it's just ridiculous. Very scary for a financial institution

Very poor customer service support and non responsive management…read more I never write reviews but due to the lack of care with my loan management, I feel that I have an obligation to inform of my experience.

Deb S. at Ulster Insurance Services has been very very helpful over the years. Deb shows real…read moreinterest and concern in helping me --and another client I know.  It is important to me that Deb has many years experience both in the insurance industry and with my insurance carrier. So I know when she provides information and answers a question her information is correct. Also, appreciate that she has a professional, polite demeanor and always gets back me very quickly.  She has taken the time to review my insurance and told me about discount I didn't know about and how to apply. Thank you Deb!!

Thankyou Ulster Savings Bank and Rose Forte Piccoli in your insurance dept. I recently got a large…read moreincrease in my insurance for my cars and homeowners and had a claim last year on my home . My State Farm agent couldn't do anything to help after over 15 years of having insurance with them. My brother told me to call his agent Rose. After explaining the problem to her she calmed me down and took my information and explained the process to me of how she was going to try to get me insurance .Over the next few days I called her with a lot of questions , all of which I got a lot of good good answers to. I don't know how she did it but she got me insurance with better coverage for less money and I didn't get hammered for my claim. Rose treated me like I was the most important person to her and that getting me good insurance was priority for her. I did not know I could go to Ulster Savings for my auto and home insurance but I am Glad I did. Thank you Ulster Savings for having a such a great employee when I needed someone to help me and be kind and understanding. Thank you Rose WOW

Great car loans for regular customers. Great customer service. Near by me. This stupid app requires…read moreme to add characters so ......why does this app require that I change this review?

From the owner: Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a…read morevariety of financial services, with the specific intent of helping our members improve their personal financial status. Our non-profit structure enables us to return excess income to our membership. Members that save at the credit union provide the money for those that wish to borrow. The interest derived from those loans is used to pay dividends on member's savings accounts. Members can therefore save and borrow at fair rates. Members have the ultimate authority at Ulster Federal Credit Union with the "One Member-One Vote" concept. We have no shareholders that profit more than anyone else and all members have an equal voice with no single member having more influence than another.

This is the ONLY chase ATM in Kingston. I haven't been able to pull money from this ATM in over a…read moremonth. It is the weekend and I need cash so I have to go PAY TO TAKE MONEY OUT because chase ATM is ALWAYS DOWN and it's the only Chase ATM in a 30 minute radius. You literally cannot access YOUR CASH to YOUR MONEY on the weekend because the ATM quite literally never works.

Best bank to bank with I feel very professional people and up to date bank and atm. Online banking…read moreapp also works very well.

Rose at ulster savings is very personable and pleasant to work with,…read more hence the second star. Otherwise, ulster savings (beyond just the financial institution of offering a savings and checking account , is not, in my experience, able to keep up with customer requests and find suitable insurance companies for its consumers. Customer support (even though in the moment it is very personable) is sporadic and ineffective. Trying to get our home insurance not to mention business insurance, was a ridiculously convoluted exercise in redundant paperwork, emails and phone calls. INFORMATION REQUESTED OF US FROM THE STERLING INSURANCE COMPANY "We" understand questions like; "Do you have a fireplace?" "is it an insert....?" questions of that nature. However, please explain how the layman customer is expected to answer questions like: "Describe in detail the construction of the wall behind the stove...." "what is the diameter of the thimble...." "is brick placed over sheet rock or other material....?" and finally your asked "to draw a picture "showing the placement of the stove in the room illustrating the clearance between it and the space in the walls....." "Is there an airspace behind the wall next to the brick" Ridiculous. These are just a few of the questions, the list goes on. The next issue, unarguably the most notable FAIL with this process. Our application clearly indicated that we were seasonal residence, 2 months out of each year and the rest of the time our home was to be used as a short term rental. Written in and signed by me and the banks representative..... is this property used as a short term rental? YES. Nope, the new insurance company did NOT have our home listed as a short term rental because the communication from our agent to whatever other employee that was involved in the process did not relay that information. This means the application must not have been sent. No part of that is acceptable.....if something had happened, we would have NOT been covered and potentially ended up in a very very difficult situation. Not acceptable. How we learned about this? The Sterling insurance company sent out an inspector (the necessity of a company to have to put eyes on the property is also understandable) However, in the process of visiting the property the inspector talked with one of our guests and then relayed his confusion as to "why the house was being rented out", back to our broker who then relayed her concern to me.....I then expressed my concern reminding them that the house has always been a short term rental. Our agent confirmed that our paperwork was originally signed as a short term and that somehow that information never made it into the policy. So, in the overly complicated process of onboarding our account information for the insurance company, the simple task and responsibility of our agents/Ulster Savings, relaying our signed application over to that company never happened TOTALLY exposing our family to a potential insurance nightmare if someone had gotten hurt. When we relayed this information to Steve G. the branch manager via email, we got crickets in response to the specific nature of the issue. Nothing, no response. Made a call to one of their competitors, had paperwork filled out over the phone, no laborious questions and paperwork needing to be filled out, paid the year in advance and in less than 30 minutes (if that) and with that we had our new insurance. DONE. Simple.

If you have an elderly relative using ulster, get them to move their banking. After my mother…read morepassed, I discovered Ulster has the worst estate care I've dealt with. It took me 1.5 hours on the phone and several escalations to admit that, yes, anyone (including the estate) could pay my mother's mortgage. Ulster requires an original death certificate and original letters testamentary to get an estate to take control of a deceased relative's accounts. If you've ever tried to get an original death certificate from NY, you'll know that it can take months. Wells Fargo and Champlain Bank only require copies, and that seems to be the standard. Ulster throws up barriers at every step when trying to deal with an estate. It only makes the process of wrapping up a relative's estate more difficult and upsetting. It's a rare day that I'll say that Wells Fargo is better than anyone, but they are better than Ulster.

After discovering that the mortgage product we wanted to apply for was only offered through…read moreKeyBank, my wife and I had the absolute pleasure of working with Susan Regan as our mortgage loan officer! Being first-time home buyers, we didn't know what to expect. There is a lot of stigma around mortgages and banks, and not having ever been customers of KeyBank we really were going in blind! We expected a joyless, uncomfortable experience and prepared for it...imagine our surprise when we walked into our appointment and met an upbeat, friendly person like Susan! Susan is always smiling, very personable, and extremely knowledgeable. We felt comfortable with her immediately after our introductions, she is a people person and she really has a mind for numbers. She answered every single question we had, even sometimes twice when we forgot the answer, but she never was upset about it thankfully! Susan worked with us to figure out a good price range we could afford, explained everything involved in a mortgage from soup to nuts, and put them in terms we found easy to understand without ever making us feel dumb about it! She also worked closely with our realtor from the time we got the pre-approval, and she was in touch with him and our real estate attorney during every step throughout the buying process to make sure we were all on the same page. We don't know how she managed to juggle all of that, but she did! The whole process could have been long and painful, but thanks to Susan's hard work it wasn't! She is a real class act, and was always available by phone, text or email whenever we had a question or needed advice. She worked her magic to make sure we got the best mortgage product for us, at a good rate and she even surprised us by coming to closing with a little housewarming gift! We wanted to jump up and give her a hug, but at the closing table we might have looked silly... Susan is an all-around rock star, she worked so hard for us and really made the whole mortgage process as stress-free as possible. We would recommend her to absolutely anyone in the Hudson Valley who is looking into KeyBank for mortgage options - I only wish there was a Susan at every bank!

Called this branch with some financial questions, interested in account options and bringing my…read morecredit score back up. Transferred to Shoshanna, who was so condescending and rude that I was at a loss for words and hung up before getting anywhere. This woman spoke to me as if I had called the bank to get free money, accused me of being irresponsible and "not keeping track of my own balance" and didn't seem to have any useful information to provide. Definitely switching banks after a series of horrible customer service experiences here. Shoshanna should not be permitted to speak with clients on the phone, or should receive training to at least attempt to disguise her callousness and impatience. Unprofessional and a really poor reflection of company values. Where does a lower-middle class person with 4 jobs and a Masters Degree turn for financial guidance?? Not here, obviously.

They refused to help me just because the back of my card wasn't signed so my fiancé and family will…read morenow be closing all of our TD accounts I just wanted to pay my property taxes most terrible customer service ever

AWESOME PEOPLE. TD bank has always been my favorite, because of an emphasis on convenience (back…read morewhen they had the free coin counting machines) as well as they usually have the best hours of any bank in any area they are in, but this branch specifically went above and beyond for me yesterday, Ted was not only friendly, but still very thorough even though it was so close to closing, doing everything properly, offering me every option that was available to me, no rushing and everyone there was very accommodating. If you're thinking about signing up with a bank in the area, I doubt you'll be treated better than I was here. Highly recommend this place.

This bank is the absolute worst. While all the other local banks have opened their lobbies, this…read morebranch's lobby is closed. It has only one drive-up window and you must be in a vehicle to use it. People are not allowed to walk up to the window. The teller was unbelievably incompetent. We waited behind only one vehicle for almost 20 minutes. Once we got to the window, we waited for another ten minutes as she was unable to process the deposit, we asked if her supervisor could help. Eventually a supervisor came and processed the deposit in a few seconds.

Another day where the ATM is down, no one can go into see a teller and the line for the drive up…read moreteller is an hour plus. This bank is terrible and have not prepared theirselves on how to help customers during this pandemic. As I sit in my car waiting, there are people angry because they were just told to go to another atm to get money. Those people have every right to be mad. This bank is terrible. I can't even close my account because I can never see a teller and calling the 800 number is pointless. I DONT recommend this bank.