I have a business account set up with this credit union so I reccommended several first time bankers to them. None of these people have any credit history established at all and being this is a credit union I thought for sure they would help in some type of way. Each individual that I referred applied for a credit card to begin building credit which is normally what a credit union is best for, unfortunately each one of them was denied. The bank reccommended a secure credit card that you must put 500 dollars to do. Since when do people have to use their own money to develop credit, I consider that hypocritical to the definition of credit. When I had no credit established and opened my first bank I applied for a credit card and they was more than happy to approve me, after all everyone has to start somewhere and has to be given a chance. I will be closing my account as well will everyone I reccommended. I will be posting this on every social media site known so people wanting to build a future for themselves know not to do it with this bank.
WHY AM I NOT SURPRISED THAT YOUR RATINGS ARE SOOOO LOW!!!
EVERY TIME I ASK FOR ANY CONSIDERATION I AM ROAD BLOCKED..
I DID NOT KNOW HOW BAD YOUR BANKING POLICIES WERE UNTIL I JOINED EGLIN FEDERAL CREDIT UNION..
I WENT FROM THE OUTHOUSE TO THE PENTHOUSE..
OH AND BY THE WAY..WHO EVER DECIDED TO CHANGE YOUR SIGNAGE MUST HAVE A REAL SENSE OH HUMOR..NO ONE RECOGNIZES OR REMEMBERS IT
the following is the experience I had with Pen Air:
Very poor customer service. It is really sad when you penalize a veteran who is a member of the credit union for not utilizing your financial institution as their primary bank. You pull my credit report without my authorization, and site utilization as a concern? I have a checking account and a savings account. If I was trying to screw you I would have done it a long time ago. You are a credit union affiliated with the military. Many of your members do not reside in Pensacola. You revoke access to online banking and tell me all transactions will need to be conducted in the branch? By doing this you obviously should not be affiliated with the military because not everyone can walk into a branch. So I closed my account because it's pointless for me to have it. Your representative was more than happy to do it, and was quite snide while doing so. You are supposed to be about your members? Clearly not when you treat people this way. The sad part...My account was in good standing, and I still was treated this way. I will make sure EVERYONE I know hears how Pen Air treats people.
After several decades, I'm done with Pen Air. We went out of State for several weeks, while gone, a fraudulent charge was placed on one of my accounts. I only deposit money in this account when ordering something, so the funds available were minimal. Pen Air declined to consider it a fraudulent charge and charged me the $29 overdraft fee, not once, not twice, but five times, for a single transaction. How is this legal?
Very disgusted with Pen Air. They change login access, policies, and options with reckless disregard for members. Recently they upgraded their online system and it's been a disaster to every member I know. Accessing accounts consistently is virtually impossible. Their people don't even know how to answer the problems. Hold times are too long, calls are dropped and services have been deleted. It really pains me to say this after nearly 40 years but I will be moving to another credit union soon.
I totally agree with previous poster's comments about Pen Air's lack of concern for member security with their use of dialog stations.
Pen Air management appears inept with lost focus and purpose. This is evident in their poor decision making. Some examples are: The Milton dialog fiasco, the ridiculous and expensive pink elephant of a downtown branch that no one uses, the excessive and liberal travel of all executive staff, board members and their spouses for insignificant conferences costing hundreds of thousands of dollars, the unnecessary layers and layers of management-level staff, The excessive contributions to various charitable causes with Pen Air member's money, etc.
I have switched all of my business from Pen Air to another local credit union that truly understands their member's needs, wants, and expectations and could not be happier. Pen Air members deserve better!
Having visited the Milton location after the remodeling I will never recommend Penair due to the lack of privacy while conducting transactions at the new dialogue towers. The new dialogue towers have ZERO privacy and allow everyone nearby to watch money being exchanged between the customer and a teller. I had to make a large cash withdraw, after I showed the teller my ID and told her the amount she got the money, walked from behind the computer right next to the tiny, completely open counter which I was standing at and proceeded to count out thousands of dollars right in front of everyone. As I looked around everyone was watching and I had never felt so unsafe and unsecured as I did conducting this transaction at the Milton Penair location. I personally was able to witness personal transactions and count money being disbursed by tellers to members while just waiting to conduct my transaction, this was easy to do since there is absolutely no privacy.
These new dialogue towers set a dangerous precedent and show just how little Penair cares about customer safety and privacy. This new dialogue tower system would allow a criminal to easily watch cash being disbursed because there is nothing to stop them. Numerous friends, family, and co-workers share my sentiments on the new dialogue towers, simply put they hate it as much as I do and many were able to witness what I did just standing there waiting. Bottom line is Penair does not respect member privacy or safety this is evident with this new dialogue tower concept at the Milton location.
I recently applied for a car loan with Pen Air, but I unfortunately did not qualify due to my FICO score not being high enough.
The loan person I was speaking with explained in honest detail what I needed to do to improve my FICO score. I was very appreciative for the loan person taking the time to explain this. Most banks would not bother.
Pen Air is a great credit union to belong too and they take care of their members. Plus, if you don't live in Florida, you can still make deposits at other credit unions that honor the CU Service Center.
You will be very happy with this credit union.