I would give zero stars if I could. My father had money stolen from his account and it was about 1…read morethousound dollars. He sent in a claim to get his money back and 10 days later they said that he spent it. The problem is all the charges came from Florida, California, and Nevada. He hasn't been to any of these states in about 20 years. They are refusing to give his money back and it's sickening honestly. He doesn't have much money as it is and they took food out of his kids mouths. Absolutely sickening. These people are thieves.

Warning! Bank elsewhere! Outrages and unjust fees are in your future if you choose to bank here…read morefollowed by rude and incompetent customer service.

I was assigned poa. I was guided through the process and my authority was quickly authorized. When…read morethe time came our executor account was promptly taken care of. Everything was done with compassion and care . This is a great place.

Small efficient bank. Easily accessible atm and friendly service. P.s. Webster is a good bank to…read morehave!

I have been a Liberty Bank customer for over 20 years. The customer service has always been…read moreexcellent and for personal banking, I like the account options. We live in Hebron so we have plenty of branches nearby with both Colchester and Marlborough offices being within 15 minutes. Their online services have kept up with technology improvements, I absolutely loved it when they introduced digital check deposits through the mobile app. Highly recommended!

1 star -- "Member-owned" in name only…read more I've banked with Charter Oak Federal Credit Union for about 10 years personally (checking + savings) and over 6 years for my business account. In all that time, I've never had an overdraft fee, never had a penalty-type charge, and have maintained my accounts responsibly. You'd think that kind of long-term, clean history would count for something. It doesn't. This credit union has turned into the opposite of what a credit union is supposed to be: rigid, slow, dismissive, and completely unwilling to support the very people who keep it open. They talk about "members" like it means something--until you actually need them. Then it's policy, delays, and attitude. Issue #1: I brought in a legitimate business check for over $6,100 from a reputable coin exchange shop in Guilford, CT, drawn on another bank. As a long-time customer with established accounts, I expected a normal transaction. Instead, they refused to cash it and told me they wanted to put an extended hold of 7-10 business days. That is insane. That's not "protecting members." That's punishing loyal members by holding their money hostage while offering zero flexibility, zero problem-solving, and zero customer service. When I said, "Give me my check back--I'm switching banks," the teller responded "okay" with a sarcastic smirk/tone like they couldn't care less. That interaction told me everything I needed to know: they don't value loyalty, they don't value relationships, and they don't value basic professionalism. For comparison: I took the SAME check to KeyBank, and they cashed it on the spot for a $7 fee even though I'm not even a member there. A bank that doesn't know me treated me better than the credit union I've supported for a decade. I opened a new account at Liberty Bank today and I'll be spending the rest of this week switching all my direct deposit and bill pay over. Charter Oak lost a long-term customer because they chose policy and attitude over common sense. Issue #2: In November 2025, I ordered a black winter coat from Columbia and they sent navy instead. When I tried resolving it with Columbia, I was told I'd have to pay return shipping, pay for packing materials, and then buy a more expensive "truly black" coat because the one I ordered was on special sale at the time. In other words: they made the mistake and wanted me to pay for it. So I did what any customer should be able to do: I tried to start a chargeback claim through Charter Oak since I used my bank card. Charter Oak dragged this out through FOURTEEN (14) separate messages--yes, fourteen--requesting info, back-and-forth, delay after delay... only to eventually tell me they would not honor my dispute. I provided photos, order details, and even the customer-service chat showing Columbia would not fix their mistake. Charter Oak still refused to help their own customer. So what's the point of their "member service"? It felt like the process was designed to wear me down and waste my time until I gave up. Issue #3: Last August, I attempted a mobile deposit because I had just had surgery and had limited ability to leave my home. I endorsed the check and uploaded clear photos of the front and back. A full week went by and it still wasn't posted. When I called my local branch, I was told: "Mobile deposits take longer--you should've come in." I explained I had just had surgery and limited mobility. Then she told me the best part: if I had brought the check in person, it would've only had up to a three-day hold. So let me get this straight: the "convenient" service they advertise is slower, and when a customer uses it during a real-life medical situation, the response is basically "too bad." I asked if they could cancel the pending mobile deposit so I could just bring the physical check in and deposit it properly. The answer was no. I asked for an exception given the emergency circumstances and serious surgery. Still no accommodation made. This makes zero sense. Clearing a check should follow a consistent verification process regardless of whether it's deposited in person, at an ATM, or by mobile deposit. What I experienced was not "process"--it was indifference. They also constantly spam you with marketing emails trying to sell things like life insurance, and sometimes send the same marketing materials by physical mail. That's what they waste members' money on? Junk email and junk mail? I'd rather they spend those resources on training staff, improving service, and actually supporting members when there's a problem. Honestly, I'd prefer they closed altogether if this is what "member-owned" looks like. At minimum, they need a serious overhaul at the corporate level and to stop reinforcing the kind of rude, dismissive behavior that I experienced at the counter.

I have been with Charter Oak for almost a decade. I left big banks for a credit union to receive…read morebetter customer service and less nickel and dime fees. Recently, Charter Oak has pushed me away. I love to travel and use my bank Visa. The foreign transaction fees are horrible. Pair this with the fact that they don't have 24 hour customer service means that traveling is difficult. Today I closed three of my four accounts with them and opened an account at a local bank with no fees and 24 hour service.