| 5 star: | (10) | |
| 4 star: | (1) | |
| 3 star: | (3) | |
| 2 star: | (2) | |
| 1 star: | (10) |
Any other Credit union if they normally release our funds on day of Holiday. They would release it day before the holidays. Like Today 11/27/2024 Thanksgiving tomorrow so the bank is closed and Pelican Federal credit Union will not release funds until Friday. I am no longer doing business with them as of today. I really thought they were a better credit Union than Hope or GNOFCU, they are far worse. How you pay a day early any other time but during the holidays you want to hold funds Pelican Federal credit Union?
You all need to change your rules cause everyone at my job was paid today except me cause I choose to bank with Pelican Federal credit Union.
opened up an account here and they have been so pleasant. going out of there way to make sure everything is good . amazing rates. great people working here.
I joined this credit union for the personalized experience and it's been the most costly mistake due to their predatory fees. If money gets transferred from your savings to checking, it's $5. Get declined for a loan, the charge you $5. Don't you dare get an overdraft fee, it's $30 or $35 with no opportunity to correct your mistake. I synched my bank account with AT&T to sign up for autopay and the site attached to my empty savings Acct over my checking. I was out of the country and got charged $35 for each time the funds attempted to be drafted. After explaining the situation, I was told if they reversed the fee for me they would have to for everyone. I did not recognize this when syncing the Acct because my savings and checking both have the same last 4 digits. I did not manually enter the info, I logged into my Pelican acct from the site. Next my paycheck was sent late by my company and it was not there like usual on a Thurs morning. Due to have auto drafted bills, I was charged NSF fees for each transaction in an excess of $415. After explaining the situation, they did not reverse the fees. My check was eventually deposited by the end of the day, and on the second day now, I'm still waiting for my refund of fees IF THEY GET APPROVED. Moral of the story, you better be perfect with your checking account to bank here, because it will cost you! Incidentals will also!
Very Weird and Backwards Operations, Uniquely Strange fees may result in self-imposed issues.
But the Institution Compensates with the Customer Service and with little effort every issue is resolved to satisfaction.
I am more concerned about their B+ overall rating and their low Texas trend rating. Plus 2 & 1/2 stars from customers. I know FDIC guarantees but ONLY PRINCIPLE. Gov. does not guarantee any more than initial investment..no interest. Am I the only one getting nervous about some of these banks and FCUs?
Third time worked after I changed some answers
I just want to share my recent experience with Pelican State. A couple of weeks ago I emailed the institution asking about a hard credit inquiry and confirming I was eligible to join since I resided in Florida.
A rep emailed me on a SUNDAY with feedback confirming it was only a soft pull and I was eligible if I joined one of the organizations. I thought that was so impressive.
After completing the paperwork, a rep called me on Friday with a few verification questions. Within a couple of minutes, I received my paperwork electronically to approve.
I am so happy to be part of the family.
Kudos to Pelican State!!!
Just another credit union that advertises it is available nationally, performs a hard credit pull during the application process, then denies you because they "need" you to visit a branch to complete the verification process. By the way, I'm 100s of miles away.
I don't completely begrudge each credit union for having variable verification processes, but you and other credit unions need to stop making hard credit pulls early in the application process.
I'm a huge credit union advocate, but this practice gives all of you a bad name.
Previously I contacted the customer service line about 5 recurring charges from door dash (door dash pass) to my account which I went through the merchant first to resolve the matter. The merchant could not locate an account with my information and directed me to my financial institution. Later I contacted the customer service line to initially file a dispute along with 2 other charges from a different merchant. Within 15 minutes after filing the dispute I went to the O’Neal Lane branch to receive a new card and the teller advised me my dispute was declined. The stated reason by the branch manager (Slater) was that my card had been used with the merchant prior. Obviously it would show being used with the merchant previously if I used the merchant as a delivery service and I did not dispute those charges but I’m only disputing charges for a third party service the merchant offer to its consumers and I had not authorized them to make that charge. The branch manager was very rude and expressed displeasure in helping me resolving this matter. At this time I stepped away from work but had a virtual meeting to make and asked if she can provide me a legal pad and pen to take notes and she refused and said the branch don’t have paper. Instead one of her employees provided me a blank notebook which allowed me to step away to attend my meeting while the branch manager research my issue. While I was on the phone 3 other employees from the corporate office entered the branch laughing and joking loudly with the workers inside the designated area to support customers - in this time the branch manager then comes stand over me with her arms folded appearing very frustrated and hand me a new debit card and a note written on a sticky pad and asked that I email her with additional information and she will get back to me. It was obvious this employee was ill and frustrated prior to any engagement with me. The employee coughed repeatedly without covering her mouth and washing her hands prior to speaking face to face with me. The service provided was unwarranted. Even if she needed to take some time to research the matter and involve key players I would have allowed that instead It was clear this manager did not want to provide me service and I could not piece together any reason why not. I was kind and polite and even tried to offer a few jokes to ease her tensions. If this service is what Pelican considers great customer service , I don’t need it and I can take my business elsewhere. This was unacceptable.
I have been making my 15 debit transactions each month but the coding of the transactions to my cable company, Optimum, caused me to not receive my Kasasa Rewards higher interest rate. I tried to explain the problem to the CSR but she said the charges were coded as an ACH transaction and not a debit card transaction, causing both my account and my wife's account to lose our Rewards interest for the month.
I also called was told it would be looked into but was not called back, I had to call in again.
I have defended this credit union in the past for poor CS but again I hope this will be looked at.
This is what CS Rep said "Hi Charles! Thank you for speaking with me earlier today! As we discussed earlier, we cannot retroactively change the coding for the Optimum transactions. We will look into the options for the way these transactions are coded."
When I sent my application to join, I received an email stating the interest rates (for CD's) at the time of my application would be held for me. Even though my application took some time to be approved and rates did go down during that time, I did in fact receive the promised rates.
It's refreshing to receive this sort of treatment from a CU or bank. I know, CU's are known to be more considerate to their customers, but there are some out there who would not do this.
Also, their web platform seems up to date. They have a very easy "chat" function. They don't respond immediately, but it's faster than what you'd expect with an email. On top of that, their service has been very friendly and informative. Glad I went with Pelican!
5.11% on $10K balances. This credit union just keeps raising the bar. The Mobile app is easy to use and does everything you want. I've been elsewhere and it was bad, they may not be perfect but i am staying put.
This credit union shows a heart for helping people in need, and it definitely shows at events they volunteer at in their local communities. You can tell that each person you come in contact with is very helpful and wants you to have the best experience possible.
Excellent CSR
Prompt, courteous, and knowledgeable. Honored the 5 yr rate at time of application of 4.85% (4.96% apy with monthly compounding.)
Appreciate this CU responding to our comments!
Thank you PSCU!
Initiated opening new CD and wasn't a member.
Easy $5 choice of associations to pick from.
Application submitted on evening of 11/14/22. Prior to that unlocked credit bureaus including Chex.
Received status email following day with update via their secure message system, also noting they had large quantity of applications which would be worked in order of submission. I feel there secure message system works very well!
On 11/19/22 received new secure message with initial approval and questions on account options, responding same day.
On 11/21/22 received new email advising rate change notice with link to new rates but also noting that applications submitted prior to 11/21/22 would honor rates at time of submission.
On 11/23/22 received new secure message finalizing acceptance with information on next steps. I replied confirming rate had not changed from time of submission, quick response, it had not. Also had initially requested moving IRA maturing on 25th and confirmed that would also have initial rate, it would. Completed all final signing and received welcome email shortly thereafter. I had asked in my last secure message about a couple of items and received a call back within 1 hour.
VERY pleasant process and time to completion! Especially given they had the best rate I'd seen in a while. Hope this of value to your consideration.
Customer service is unqualified it's horrible. They don't even follow their own policies. Constantly constantly calling and being put on hold for the same ongoing problem. If you like being aggravated this is the place to go
Pelican State Credit Union constantly puts my account negative and I have to call for my money back, which is also a hassle being that “top employees” are difficult to deal with(rude)! I’ve had to call PSCU on numerous occasions about money being taken out of my account. Thursday I had my card in “locked” status and could not unlock my card until 12 midnight. Right now my card is in “locked” status and I am unable to unlock it, yet my account balances keep changing without my doing. It’s like they are stealing from me and confusing me with the transactions so that I can’t tell but something is up. When I go to the app to turn the card on, it states “card status update failed on our end, try again” but still nothing changes! They’ve had to refund hundreds of dollars to me because of them putting 6 NSF fees on my account at once. Definitely will be changing my direct deposit and switching banks! I can’t even put fuel in my car, it’s pathetic.
The staff at my local branch are GREAT however, if you have to call customer service at the corporate office be prepared for HORRIBLE service. The staff at the corporate office give GREAT lip service and can responses in their emails, but make no mistake, they could care less about any problem or issues you may have. If you are thinking about leaving your current bank thinking that a credit union is more customer friendly, don't join this one.
I have tried to pay car note through pelican phone service they have provided for us consumers!! The First Lady took all my credit card information but because she could not remember one word or number to the next, I was very unsure about her completing task of applying the payment!! No email confirmation!! Call back another young man could not tell me if she actually took the payment scared that pelican would take 1000 out because I gave information twice to two different people, would not take that chance, no supervisor after 30 minutes wait ever came to phone was just left there!!I have a gps on car they could not even tell me the rules on that. From day one different pelican employees say and do different things never can I get the same information twice it’s always changed our they just don’t see where i talked to someone concerning nothing, they locked me out of my online account so I would have to pay 15 extra dollars for phone payment that I don’t even know went through!!! I pray a honest member of the team with accurate information could help me!!! Thank you in advance!!
I think this is a new tactic to avoid paying Rewards accounts bonuses. I have been paying my cable bill for months and suddenly it was changed to a "bill payment" by "the system". Here's what I said but still have not got any final word.
Thank you for messaging Pelican State Credit Union!
Due to change in systems, some online-initiated and recurring debit card purchases, such as Sudden Link, are registering as "Bill Payment Withdrawal" rather than "Debit Card Withdrawal." This has caused the reports to not include these transactions in your 15 required debit card transactions.
We are currently investigating this new reporting and will let you know once this is resolved!
In the meantime, we recommend continuing making your 15 transactions, not including the Bill Payment Withdrawals.
We will let all of our members know at once when this is resolved.
Please let us know if we can be of any further assistance.
This has to be some of the worst banking I've ever done. The people at the branch are super rude. I can't get through on the phone, EVER. We waited on Uncle Sam to issue stimulus checks for months. When the relief bill finally get's passed. Payments are issued on Dec. 29, and the bank issues a statement funds will be available, Jan. 4. Okay cool, I'm aware that funds sometimes take time to be delivered, whatever. But this morning these people issue another statement, claiming they have to manually issue you what was supposed to be a direct deposit from the government. WTH? Why would you stop a deposit, for what reason. Unless, you had 100,000 stimulus checks to deposit, I'm assuming the interest from sitting on those funds for days would make someone plenty of money. But it definitely does not help your supposedly
valued customers, period.
This credit union is Nothing but absolute nightmares. If they decline you for a loan, they will charge you for it. Never heard of an institution doing that, Who wants to lose money by requesting there financial institution for a loan. Every loan if you do get it takes a week to complete. Even if it is an increase in credit line that i already established takes a week. There Online banking is old as dirt. I moved and had a phone number change and address change. Every other institution was a quick change online. Ive contacted them and I was sent a form by email. After I told them my printers down and I did my best to fill it out online but was told it wasnt good enough. MY PRINTERS BROKE SEND IT TO ME IN THE MAIL THEN!!!! Was never done and finally i reached my breaking point and mailed a letter in writing and signed By me Stating I wanted them to close all accounts including signing the damn thing and the moron yet again sent me something by email that i have to print up, fill out and email or mail back. They simply wont let you close out a membership. Almost ready to hand this to an attorney im so done with this institution. And ive reached out to the president in the past. Does nothing for you as he just dumps it on someone else to clean up... AVOID THIS PLACE!!!