1 /5 RCM: A credit union that doesnt act like a community credit union, it acts like a commercial bank. Not a good thing. Thieving and inconvenient as they ding you for ridiculous over draft fees due to no fault of my own and they steal our money and close your account. Many other CUs dont do overdraft fees period. This is no longer the days, and hasnt been for a very long time, where a human has to take time to deal with an overdraft. Any attempt via an erroneous debit attempt is made and there arent funds to cover should just simply be kicked back unpaid, no fee. Then if you dont use your account as they think you should have theyll freeze your online access and you have to then deal with customer service. Try using modern verification tools! If I havent accessed my account in mobile app for awhile and suddently to from a verified device why block my access? Gone, learn how to be a proper community CU. BECU is what you want, to hell with OCCU unless they change how they operate and treat their customers.