CCU Overall Is A Good Bank

CCU overall is a good bank - more of your small credit union feel with real people answering the phone

the rewards program is excellent; not too difficult and high rates

 

-the debit card program excels in that it allows both PinBased and Non PinBased transactions to qualify; basically any transaction i've used my card for, ATM, VISA, online, recurring bill via phone company counts.

-you only have to make one bill pay 

-no direct deposit required if you make the bill pay; an ACH deposit potentially works but haven't tested it

-your reward deposits the last day of the month

-reward checking offers ATM fee refunds if you hit the reward guidelines

-no free checks at first if that matters

-incomeing or outgoing money moves quickly, no 5 day HSBC like delays

-the rate over $25k is not bad for checking if you hover around it and use the account (ie you keep $26k in it so you don't go below 25 during the month)

 

the not so good::

the banking system is one of those outside packages; collection of modules rolled into one so its a bit clunky but not Pentagon bad.

there are NO ACH outbounds, you can bill pay your other bank accounts with some success using address and account number

any deposits into the account go into the defaul Shares Account(its a credit union); so you have to keep moving it to your rewards checking account if you want the interest - not sure if the bank can fix this

i personally dislike the online statements, a real mess