1 /5 Perilous: This is not about the branch or the employees. Its about FHFCU as a financial institution overall.
This is the WORST credit union I have ever been unfortunate enough to deal with in my entire life. They are worse than all the commercial banks Ive ever had to deal with.
The people at the branch and their phone CSRs are extremely nice people. They do what they can for you. But the way the credit union itself has decided to set itself up is absolutely horrendous. They are incredibly hostile to their members and their online banking is a joke. They have all the features locked down until youve "earned" them by being a "member in good standing," but theres no way to do that because all the features are locked and you cant actually use the account for anything.
I couldnt even set it up for an automatic deposit because my account was "too new." This was the same explanation for a number of locked features.
Ive never heard of anything so ridiculous in my life
In short, FHFCU is happy to take your money but they will not let you manage it in any way until some undisclosed and entirely arbitrary internal flags are triggered that will allow you to actually use your account the way youre meant to.
FHFCU is also the only credit union in the entire country Ive ever been to which refuses to honour the same code of community and ethics that every other credit union honours - in other words, you cant be a member of another credit union and go into FHFCU and get a roll of quarters. You *have* to be a member of FHFCU or they wont do business with you.
This is *literally* the only reason I opened an account - so I could get laundry quarters from the closest branch near my house.
Ive never encountered a credit union where you couldnt get what you needed because you werent a member of THAT credit union. Ive been a member of one of the countrys best credit unions for almost 20 years now - Alliant Credit Union - and Ive been able to use my account there to get services at every other credit union Ive gone to across the United States, EXCEPT FHFCU, which refuses to honour that commitment or be a part of that credit union community.
I find that despicable and highly unethical.
I will be finding another credit union to get my quarters at and closing this account as soon as possible.
Stay far, far, far, FAR away from FHFCU. They are a crappy bank wolf disguised in a credit unions sheep costume.
Shameful. Utterly shameful. They are a blot on the great history of credit unions and everything they stand for. FHFCU is hostile to their customers and their community. Avoid them at all costs.