| 5 star: | (1) | |
| 4 star: | (1) | |
| 3 star: | (1) | |
| 2 star: | (5) | |
| 1 star: | (14) |
I had a CD. Andrews withdrew it without my authorization and took a $4,000 penalty from my balance. I asked Andrews to show me the evidence of my authorization or remove the penalty. I have contacted them about 30 times over the past six months, and I still haven't received a resolution.
Mistakes were finally corrected but it took and effort to force them to take responsibility.
I used to use Andrews FCU and, after fiasco with Raisin, wanted to go back to them and open CD.
Application / Account creation went OK (not immediate though), but then..
First of all, they've removed ACH. So to avoid wire fees, branch visit or snail mail, you have to do ACH from your other bank.
Secondly, if you try to link Andrews account to your other bank too soon (as in - within 2-5 days of account creation) it will likely fail b/c you will have negative balance in Andrews (-$5). Which, according to agent, should take 2-5 days to clear. So, refund for trial deposits will fail, your bank won't receive their trial deposits back (what what will happen with that), and linking will be rejected.
Thirdly, it's not only linking fails - you will receive a $32 fee for insufficient funds. So you have to call/chat with agent (Luckily agent has been able to reverse it.)
So, as result, at this point you'll have to
- wait for Andrews fees and initial deposit to clear, to get to zero balance
- then re-initialize linking with your bank
- then transfer funds
All of this with only 10 days total to fund your CD.
Which at this points seems very unlikely and almost pointless
Update: be aware that there is an "early closure" fee, which agent will likely forget to mention when you ask how to close an account.
Recently closed a 7.5 month Promo CD @ 5.75%
for 100K. 1-21-24..Today was to open the 8m 5.50% Promo CD. Told HAVE TO again upload ID.
We all know what a pain in the ars that is with to dark
or unfocused.
Elements has same apy no hassle if now a member
Did the legwork to setup Andrews FCU, added & verified an ACH acct for funding, then discovered Andrews does not allow inbound ACH via their ACH system, not for any account. This was confirmed by Andrews via their bankmail system.
Therefore any account at Andrews will also require an external bank that is capable of two-way ACH.
Otherwise Andrews has a couple great rates at this moment after years of near zero. They have a 5.75% only for New Members. Old members, oh well, you can have 5.5%. Most other products are below average rates.
I had a 7 year cd with Andrew's and back in April they offered to convert my 7 year cd to a 24 month cd and wave the penalty. I took them up on their offer. At the time the 24 month yield was 4.50%. The offer included a bump in the yield to 4.55% after 6 months. I called today to bump the yield and they reneged on their offer even after talking to a supervisor. Not that much money lost but I won't be dealing with them any longer once the cd matures. Lesson learned.
You cannot get to speak with anyone on the phone. You have to wait until they call you back. That could be days! Trying to renew an IRA cd over the phone and no one there can do that!I will be pulling all my funds at maturity and close all my account. Save yourself a huge hassle and find another financial institution. My wife cannot log in to her account online and no one can help her do it! Unbelievable incompetent staff!
Andrews does not allow ACH pull fund transfers from an outside institution. You need to originate the request from the outside institution to send funds to your Andrews account. Andrews only allows ACH push transfers to outside institutions. I think this policy is below par.
Save yourself the aggravation and take 50 basis point less somewhere else and don’t get aggravated worse than anything in the world. They are the worst credit union I have ever done business with and I’ve done business for over 50 years. they are terrible. That’s why so many bad reviews run run run run. Absolutely no customer service whatsoever none if you like talking to the wall this is your company. Enough said if you don’t understand by now you’ll never understand.
WORST Experience with a company for a car loan EVER. They're constantly changing their banking policies, and their system is glitchy garbage, so much so that it cancels loan payments, and they don't tell you. No notifications, no updates, told me a week before payments were due that I would need to change how I make payments. Then their tool doesn't even work to accept payments, and their submit button doesn't work so you can't finalize the process. Have had nothing but trouble and never had to jump through so many hoops to stay on time with a bill. I wish I could get my loan out from this company. Never would recommend banking with them. They won't give me straight answers half the time. Shady garbage company.
Opened a 7 year cd here a little over 6 years ago the sign up process was long and had to call in many times just to get things squared away mostly because of all the never ending mistakes that were made on my account, also this place has a 12 month inactivity claus which basiclly forced me into linking an account from elsewhere to send money once every 11 months to avoid the account being sent to the state of Maryland as a dead account plus customer service was poor at best with very long waits on the phone just to get to someone that could answer questions so this is just my opinion if you're on the bubble between this place and another I'd go with the other bank might be worth taking 10 to 20 basis points less to save yourself the misery of dealing with their customer service.................well today my account matured and removing the money was almost as bad as giving it to them 7 years ago took numerous calls and 6 hours of my day just to get a wire transfer done which they finally completed after having to be verified 3 different times because as they claimed the large amount had to be done this way what a load of crap that was never again , if they're the only opition in the future I'll just bury the money in my crawl space LOL....
I scheduled a transfer from my Andrews FCU “Base Share Savings” account to my already verified external account on 12/31/22, but received a message on their site, that was NOT forwarded to my email account that Andrews has on file, that the transfer was being held until I call them. The funds were available and the account was linked!
I received this from “Scott” at 3:00 AM EST and I was awake in Los Angeles checking my account and nobody at Andrews is there, despite the message from this Scott, SOB!
So, now I have to deal with their schedule to retrieve my money!!
I tried to open an account last week online. The application went through. I was told I would get an email on how to fund account etc. So far it's almost a week and I got no response. I called the so called customer service number. They have no access to my account status, nor can I contact anyone who does. There is no number to call to find out your status. It's been a week now. I even sent email messages, no replies. I've opened many accounts online over the years and this bank by far is the most unorganized bank to date. They have a great CD rate but you may never get to fund it. If I could give zero stars I would. A one star rating is too high.
Today is Nov-14. Started application on Nov-9.
After a long silence they ask a photo of my SS.
Silence, silence. They asked another photo of my driving license. Silence.....
The major problem is that the Digital Team is located somewhere in Europe (6 hours ahead of CMT according to their alert emails) and it makes all communication with a business day delay at the best.
Caller Center Help Desk doesn't have access to the Digital Team.
Nov-16 update. Yesterday I electronically signed a consent document, This afternoon I finally received my membership ID and could login to my account.
Nov-17. Andrews Union charged me $32 overdrawn fee when I tried to setup a link from my external bank This happened because they haven't deposited min $5 to open the savings account yet) and I had minus $5 balance in the savings account. Even with SR help I could not find a way to setup ACH link to an external account. The only available electronic option is the wire transfer.
Two times I have initiated fund transfers with both transfers requiring muliple calls to complete.
Very incompetent - will never deal with them again - strongly recommend avoiding.
When you need immediate answers, Andrews cannot help.
You get their "contact center" where the representatives are insufficiently trained to respond to other than routine matters. They offer to submit a written inquiry to the credit union itself, with the promise someone there will "get back to you". That is no help at all when you need an answer NOW!!
And the contact center has no way to transfer calls, in real time, to the genuine credit union reps. I suppose if not for this abysmally poor service, Andrews would be offering no service at all. What a bunch of Hooples!
Everyone, please be careful when dealing with Andrews Federal Credit Union. They were just bought out by Dovenmuehle. Who by the way have a one star rating out of 5 online. I have a short sale, actually the only part of the deal that is short is the second trust. In the last few weeks they got bought out and the loan is serviced by Dovenmuehle. Total unresponsiveness, promising to get the approval letter to me for weeks. Passing the buck back and forth between both companies. I am so fed up. We were approved for the short sale, just need the official letter. No one wants to take responsibility to give it. I think they want to see this home go into foreclosure!!!!!!!!
#andrewsfederalcreditunion #totallyunresponsive #andrewsfederalcredituniondoesntcare
#andrewsferderalcreditunionpassesthebuck
#dovenmuehledoesntcareaboutcustomers
#dovenmuehlepassesthebuck
In 50 years of banking I have never dealt with an organization as disorganized or frustrating as Andrews FCU. I have tried for 5 days now to have them wire funds from a large CD that matured
to my bank. After at least 10 calls, 2 emails, and being placed on hold for 30 minutes each call, their
wire dept assured me it would be sent yesterday.
Of course it wasn't. After calling today to try and speak to a supervisor and being on hold for 20 minutes the line went dead. I am beyond furious. I'm not sure how to even contact them to get my money. They should be investigated by whichever gov't agency regulates credit unions.
Save yourself the aggravation and don't deal with them at all.