Members 1st Credit Union (CA)

STAY AWAY!!!

STAY AWAY FROM MEMBERS 1ST IN REDDING!!! I have to start off by saying, the girls that work the counters inside are very nice, I have no problem with them. There customer service as a bank is horrible. To start with their "free" cheeking isn't free. You have to open a savings account and put at least $25 in it that you can't touch. So the free checking is actually $25. No big deal. I open my account and make my first two deposits in the bank. On my third deposit it was a weekend, so they were not open of course and I needed to make my deposit using the ATM. When I tried to make my deposit it would not let me. I waited till Monday morning to go in the bank to find out what was going on. The lady at the counter says, "you can't make ATM deposits for 30 days after opening an account." Mind you this was never stated when I opened my account and my account had been open for over 45 days. To which she said, "oh I guess we forgot to take the hold off of your account." Now fast forward to month number 3. I made a CASH deposit in the ATM and a day latter pay my credit card payments on line. Not only did Members 1st decline all my payments costing me $35 from each of my credit card companies. Members 1st charged me $100 in return fees! When I talked to the manager at the bank about getting the $100 returned, since the money was in my account and it was in cash, so there was no need for any checks to clear, she said "no, we can't return the money. The sign on the ATM states it takes two days for deposits to clear."
  All I can say is there customer service is the worst I have ever seen. Especially for a "local" bank. I hope this post saves at least one other person from making the same mistake I did by using this bank.