1 /5 Bullrock NY: The people here are always great. The bank itself is absolutely horrible. I switched to a credit union to escape the predatory practices of the big banks. However, HVFCU policies are far worse and more predatory. For example, if you dont have the funds to cover the purchase they will deny the purchase and still charge you an overdraft fee, even though you didnt even overdraft. Bunch of thieves. Not to mention they would often deny my businesses requests for as little as 200 singles and/or $50 in mixed coins. They would often ask me to notify them days ahead of time. Its just a horrible horrible bank and I highly advise against using them.