Member One Federal Credit Union 2310 Electric Road, Roanoke, VA 24018

"I have been banking with this company for a month now and I'm so dissapointed they do what ever they want to when they want too ! I have 2 different paychecks coming in one paycheck is every week and one is every 2 weeks and my checks are ALWAYS DELAYED ( LATE!) I have to call every time and argue with these people that answer the phone because they absolutely don't know what they are doing and are very rude and inconsiderate and just don't care ! Then when u ask to speak to a supervisor your always told there is none available!so when the supervisor goes digging tofind my paycheck she finds it but then puts it in my account as PENDING which then you have to wait another day! I. Going tofind another bank because they are going to cause me alot more issues than what I have now if I continue to allow my paychecks to go here and also a headache up they blame it on your employer after the fact you have done verified thru your employer that you have been paid !"

"My son collects coins and we stopped by this branch to see if we could get rolls of pennies for rolls of pennies we had already rolled. We were denied service because I don’t have an account there. Granite my husband has an account which I verified with the teller but because he wasn’t present they would not do anything. My son and I have been to multiple banks and have never been denied service because we didn’t have an account there."

"horrible experience. people taking information for loans are unable to answer questions because they don't know the answers, when applying for a equity loan they said they will only use about half of my land as consideration of value, there appraisal system is highly inaccurate. they don't actually look at what has been recently sold in area as well. they also changed the number every time I spoke with them and expect me to want to do business with them. I got bad vibes from the beginning and shouldn't have wasted my time and hope to save someone else the hassle."

"On January 19th, 2023, I deposited $10K into my money-market. At that time I asked the teller and lead teller if I would be assessed a low-balance fee. They assured me it would not be assessed. On January 31, 2023, I received a $10 low-balance fee. The account had a $0 balance for many months prior, but did not accrue a low balance fee. I waited for over a month for the fee to be waived, thinking this had to be a mistake and would be caught either by the branch who had promised me it would not be assessed or an algorithm that would see the problem and auto-waive it. On March 6, 2023, I called the call center and spoke with , she said she would attempt to provide a courtesy waiver. I waited again for 10 days then returned to the branch to close the account and withdraw my money due to the fee. On March 16, 2023, After deciding to close the account I asked my wife (1) to join me (2), since I was worried I would need to have two signatures to close the joint account. So, she had to take time off from work in addition to my time, which as a senior in Computer Science is at a premium. Initially, I was assisted by who was the teller (who was very courteous and helpful). He closed the account and withdrew all of my money from my checking and money market and provided an official check. After I closed the money market, I asked if they could waive the fee. At that point he had to involve the teller leader, from whom I, unfortunately didn't get a name (he had a patchy beard and looked to be under 30, from here on I’ll refer to him as Patchy). I was in the branch around 4:30pm, from my description I am sure you can find the teller lead I am referring to, I’m sure there have been other complaints. Patchy (3) was where my problems continued. I explained everything, again, to him. Both Patchy and (4) said they could not find a note from the call center about my contact on March 6, 2023. Patchy further stated that since I had called the call center he would need to wait until his manager (5) was in the office to call the call center, speak with (6), and her manager (7) in order to waive the $10 fee. I have worked at a bank and at a credit union for many years, if saving the credit union $10 was the point, then why would Patchy need to waste the time of 2 managers, himself, a teller, and a customer support rep? I’ve enumerated the people above that were involved in this and discounting my wife and myself, you are involving five separate employees at your credit union to waive a $10 fee. This seems absurd. Even worse this has happened in the past. That is why I made it a point to ask the teller and lead teller when I initially made the deposit. It seems pretty sleazy that you are charging a $10 fee every time the money market hits $0 both when I deposit money to bring it well above $2000 and when I withdraw the money to $0. And you are doing this to EVERY CUSTOMER. Considering the pittance you are paying in interest it would take roughly 16 months to BREAK EVEN on the $20 in low balance fees. This is criminal and Member One should be ashamed. There should be an algorithm that determines if the account is being brought to over $2000 or down to $0 and waived. I have closed the money market account and I will be closing my checking as well as soon as my next direct deposit clears. I am a student and can't afford these fees just trying to DEPOSIT money. Your organization should not charge depositors a low balance fee unless they are holding a low balance for more than 1-month. If a member deposits money into a money market to bring it from $0 to over $2000 then the fee should not be assessed. Likewise, when a member is withdrawing money to bring the account to $0, the fee should not be assessed. Tacking $20 onto every interaction with your money market account is usurious. I LOST money because I deposited $10K with your institution. I am sure countless others who do not have the financial background my wife and I have are unaware of this practice and should be informed."

"Don't bank here. Didn't use the account for years. Seven months after I quit using it fraud charges was put on my account. They let the transaction go through 3 times and charged me $105 while sending it to collection agency. Closed the account and will never bank with them again."