Advancial

"While I sit here waiting on hold, I figured it would be a great opportunity to warn everyone to about "inactivity/dormant fees". Last week, we were informed that our account was going to be "frozen" due to inactivity and we were going to be penalized every month with a fee. Up to this point, we did not have any issues with this bank. Once we contacted the representative, I asked to close the account. After telling the representative our situation, she basically said all banks do this and she would remove the fee if we did a transfer from one of our accounts. Now I just learned that the banks take this fee, because if an account if dormant too long, the money gets taken by the state. Kinda seems like the bank wants to get their cut before they lose your money. Anyway, the rep stated she would remove the fee, but only if we keep the accounts open, basically using the fee to pressure us into keeping our business with this bank. The penalty fee is not huge, but it is cummalitve every month and it's shady business practice for a representative to use the threat of fees when a customer wants to close their account. So to review, if you have an account you aren't using as much, you should check to make sure your bank or credit union isn't "legally" stealing your money (like Advancial) and I would avoid any establishment that uses the threat of fees to pressure you into keeping your business with them."

"Fast service, very nice associates. They are always smiling and cheerful. Love this credit union."

"I guess people that have been here all their lives just accept inadequate service. This a horrible credit union that actually serves no purpose at all. The app is outdated slow and hard to navigate. At least half of the staff seems to have a 1960 mindset. I have used credit unions for over 30 years in several different states and this place is the absolute worst.They actually charged me to close my account. Chase bank had absolutely NO problem completing my cash advance for 14,200.00 so I have absolutely NO problem with them accumulating interest on my deposits. I understand that Advancial is not a national chain and most financial institutions in this country are bias misleading and out right crooks but Chase at least applies thought to their schemes. When you live your life by the motto do it right or don’t do it at all being a member of Advancial is totally unacceptable."

"Advancial is very helpful to me in a number of ways. The people there have helped very much in getting everything straight. Getting me started on checks and making sure that all my bills were transferred to the new account. They were also very friendly and with a smile."

"Staff is very professional and friendly. App and mobile banking work well. Auto loans are great; I've used them twice and had the lowest interest rates I've ever heard of for a used car, and didn't have to put any money down. The only thing that is keeping them from competing with the national companies is that they don't accept cash deposits at the atms. Their business banking isn't up to speed either; takes an arm and a leg to change a business address or email address, but their business bank accounts are a new option so I'm sure that these are just kinks that will get worked out soon. Can't praise the customer service enough though; every employee there is always willing to do whatever it takes to take care of your banking needs!"