Horrible Savings Interest Rates, No REAL Bill Payment System

My credit union was merged into Kemba at the end of last year. The savings interest rates Kemba pays are the lowest in the Cincinnati area. Last month they paid .05% on my savings account. I looked at other credit unions in the area and all are paying between .10% and .30% on a basic savings account. Kemba has the nerve to say their rates are "competitive" so I guess being at the bottom of the list somehow makes you competitive.

Their bill payment system is horrible. You think you are paying electronically, but what happens on the back end is that Kemba is creating checks and mailing them to pay your bills! This is the 21st Century and they are still mailing checks. An electronic bill payment system should mean that 95+% of the billers receive an electronic payment and not a check. So unlike a bank when you tell it to pay a bill on April 1 it gets paid on April 1, if you tell Kemba to pay on April 1 the check may or may not arrive on time and can generate late fees! Yikes.

Then there is the issue of electronic transfers. Say I want to transfer money between financial institutions. With every other financial institution I log into my account and tell them I want to transfer money to xxx financial institution and provide the routing number and account number and it's done. Not with Kemba. Want to do an electronic transfer? You have to go in and sign a paper authorizing the transaction EACH time you want to do a transfer. So 20th Century. 

So outmoded ways of doing business and lowest interest rates in the area - if not the U.S. - and I will soon be moving my account somewhere else that has modern systems and truly pays competitive interest rates.