Ripco Credit Union

Alright For Checking Account

I had an account with Ripco for many decades. Ripco does a suburb job with online banking. Probably the best bells and whistles around for a Credit Union. Text banking lets you get your balance fast. Check deposits, and mobile banking doesn't seem to have excessive holds like other financial institutions. The ATM's at the branch accept deposits, and won't restrict you to withdrawing in $20.00 increments they give you 10's and $5's. There were times I wasn't happy with them, but overall they did the best they could to make me a returning customer. When I overdrafted the overdraft was usually covered. But they were quick to charge you an overdraft fee. There is no "grace period" or they won't give you anytime to "fix" an overdraft to avoid a fee. The overdraft fee is charged right away. Ripco does not have a limit to the amount of overdrafts that can be charged in a day like banks do. But overall, they are alright. Mortgage loan we had was flawless, had auto loans and they worked with me to allow time to get caught up when I was unemployed. I had personal loans, and overdraft protection. The rates were good, and service was good. The biggest gripe I have with them is not being able to get a hold of someone to discuss my account right away.. Sometimes the main number transfers to voice mail in the middle of the day. And quite a bit of playing telephone tag with a representative. Sometimes returned calls take a long time. Calling them on your break at work is sometimes almost impossible to speak to someone about your account.