I had my account set up for autopay. They changed their website without warning and cancelled the autopay on their own. When my payment was late, I was hit with a late charge and told that they aren't responsible for their own website issues. read more

I have been a member of Allegacy since I was 12, I'm 35 now. I have three separate accounts with them. Lately I've noticed that their customer service is awful. It is almost impossible to get an actual human on the phone, and the robot assistant is awful. Trying to buy a car today I was told I wouldn't be able to spend more than $3000 from my checking account. When I requested to increase that pay limit they told me I couldn't do that through the app and that a supervisor would have to call me back and it would take up to 30mins. 4 hours later, I finally received that call back. Mind you this was after I drove an hour to the dealership and sat with them for 3 hours and had left because I could not get anyone at Allegacy to answer my calls. Seriously looking into moving to a new financial institute. read more

do not recommend using them for a car loan. Currently receiving letters that I am behind on payments rather than letters that I am ahead. Called and was told you can only be a month ahead. So why are they sending payments that I am behind? Now I go through a process which is exhausting. read more

I felt like I was the only one, but after reading feedback from longtime members like me (almost 30 years), it's clear this credit union is horrible and doesn't care about its longtime, exceptional members. That's why I joined SECU--far superior. read more

This review is about phone help. I called, got a phone tree, had to select several options to finally get into a queue to wait 20 minutes to speak to someone. After another 5 minutes of ID checking, I finally got to ask my question, only to find I had to go on-line myself (which I had already done). What I needed to click was grayed out, and it took an on-line chat to finally find out where the "hidden" page was to change that. Very time consuming, frustrating, and unnecessarily complicated since all I wanted to do was opt for digital statement delivery!! I did get to hear a recording of how important my call was to them, so I suppose that's something? I should say that I finally got it resolved. read more

these pathetic excuses of ridiculous fools have sent tens of thousands of my dollars to other people forcing me to catch it among other things like not helping me get back into my account after 2 months of trying. I despise these people. i've had more than 70k in a checking account these fools won't help me recover. Id trust drug addicts with my money more. 0 if i could. read more

I've been with them for several years now. Consistently, they block transactions! We went through a recent bathroom remodel and Allegacy did everything they could to throw a wrench in the process each time we attempted to purchase materials. In the end, their tactics actually held up our construction time for a disabled veteran. Now, I've attempted to pay cash via my Allegacy debit card for a new cellphone due to my old one breaking beyond repair. I have contacted Allegacy at least FOUR TIMES and not until the fourth call did someone have the common sense to notify their fraud dpt.! The vendor tried repeatedly to process my payment to no avail. Allegacy is so frustrating, and accessing your own money to make your own valid purchases is next near to impossible with this bank!!! read more

Truthfulness! Stop leading potential customers on and going back and forth. Terrible, TERRIBLE CUSTOMER SERVICE. Please go somewhere else so you don't be frustrated. They lie! Even if your credit score is high 700's. I've. NEVER HAD THIS happen to me. RUN! read more

I belong to Delta Community Credit Union (an airlines union based in Georgia) yet THIS is the bank that I go to in order to make money deposits (or the rare case of withdrawals). They always make my transactions occur successfully and swift with no stress. read more

With their "update," I am now treated as a subaccount instead of a joint account because my husband was the one who originally opened the account. This means I cannot access documents and statements; I cannot access on-line bill pay unless I re-do all of the bill payees I had been using prior to the "update." They also wiped out 10 months' worth of budgeting information with the "update" with no warning, meaning that, as a small business, we are scrambling to replicate hours of work. The new budgeting app is MUCH worse. We also find that we cannot access statements prior to July. Even before the "update," we find that they place a hold on our deposits for several days, whether the deposit is from a large company or not, unless we go inside the bank (not the drive-through) to deposit our account. While customer service representatives have been friendly, they give conflicting information and/or acknowledge the issue but cannot address it. If I could give zero stars, I would. AVOID AT ALL COSTS!!!!! read more

I have had Allegacy For years and years and really like this bankbut now it has become really hard just to get customer service and their 24 hour automated system has been going down for almost 2 years now I use it almost 99% It is not fixed yet but saying they have it fixed itYou can't get to push the 1 for Automated phone Banking I will be moving to another Bank if they keep lettting this happen Too Many times and can'tget customer service read more

This is the worst bank I have ever done banking with. There is no possible way to get in contact with a human and their online system when it comes to resetting your password does not even work. This company say they protect your funds, and they are secure, but they are the scam unfortunately. I work in banking, and I've never thought there could be a bank with service this horrible. PLEASE DO NOT DO BANKING WITH THEM THERE ARE SO MANY BETTER OPTIONS THAN THIS BANK. I would love to save anyone else from a similar experience to what I have had with them. read more

It seems as some of the employees in the Charlotte Branch on Mallard Creek are a bit unprofessional and caddy. It should not matter how often I go to withdraw my money right? Well two of the employees looked at each other and giggled as one employee gave me my money. Very uncomfortable feeling...even the customer standing near me said "I'm sorry" and they said "Oh it's not you!" read more

If you like being declined at ATMs or at the checkout by their fraud department, I'd say use this crappy bank, but if you'd like to be able to use your money without issue go somewhere else. I use my card within a 5 mile radius of my home 99% of the time and I am constantly having to deal with issues of being declined and then having to wait for a phone call from their ridiculously oversensitive fraud department.! Time and gas wasted all the time ! The most stressful banking experience I have ever had. I'm working hard to get my husband to shit. Can these people read more

This is the worst company I have ever worked with; DO NOT get anything from them. They are impolite and rude. I have had two situations where I asked for help with my current loan, and in both cases, they were rude and unhelpful. I am searching for refinance options. read more

If you want to have the worst banking experience on the face of the planet and entire universe, sign up for Allegacy. The employees are rude, the bank steals your money, and they are the lowest rated bank known to mankind. In hell, and the devil himself, they use Allegacy Federal Credit Union. read more

Allegacy is the Hotel California of Credit Unions. "You can check out any time you like, but you can never leave." I moved out of state and closing my account was a frustrating exercise. I could not do online cancellation of automatic ACH transfers and was told I could not close the account until that happened. I had to wait for a slow response to the request to cancel the ACH deposit to my Allegacy account. If you have ever tried to navigate through the Allegacy phone contact labyrinth to reach a real person, it amazes me how many times you are thrown back into a loop of automated assistant. The online capabilities are poor and what should be a simple process became an exercise in frustration. And if you use Zelle or Venmo, forget it. Allegacy is not set up to accommodate those common services. I would avoid doing business with Allegacy. read more

Allegacy Credit Union is a joke and only cares about your money. I only have this account because my online account with Discover Bank doesn't work with apps such as Circle, Cash App and etc. I have a photography business where customers send me money through these apps. In addition, I have small bills up towards $50 dollars coming out of this account and my boyfriend ended up swiping this accounts card and it went into the negative $12 dollars. They charge me a $34 fee then $5 on top of that. Again, I wasn't paying this account much attention because I don't use it, so those $5 added up everyday. Well, I called because my account has never been in the negative and you know what Shirley said to me? We will take off the $5 daily charges but not the $34. For someone who has good credit and never been in the negative, you can't forgive a one time fee? She kept saying we can't forgive the one time fee of $34 because I should have managed my money. I get it but again I'm only human and admitted that it was an honest mistake. But I hope anyone that is going to open an account with Allegacy never makes an honest mistake because they are money hungry and don't care. I've also only had this account for a year and haven't mismanaged until last week so goes to show they don't care about loyalty. My account will be closed tomorrow morning! read more

Opened a checking account online. Waited several days for a debit card to arrive. Called the support center and couldn't reach a live person but left my phone number for a call back. After 3 days with no call i tried again & held 15 minutes until someone answered. They mailed my ATM card to an address they had in their system from 2003!! Seriously how does that happen. Their solution? We will send out a new card within 7-10 days. Me: no thanks i will go close my account in person. I will never go back even though their car loans are competitively priced compared to Truliant. Terrible customer service read more

I have been very understanding with covid but the people at this bank was so rude. I wanted to open an account for a minor because she is getting a job and needs a bank. We had to sit in a hot car and wait. The other offices have the lobby open but this one has chosen to close the one they have even tho nobody else was in the bank and it's a large space. She had nobody in her office and she told us we would have to wait outside. She was very rude about it. I'll take my business elsewhere next time read more

THE WORST BANK OR 'FED UNION' EVER! 0 customer service. 0 accountability. 0 diligence. Only old crusty folk, small town/village people filtering how to treat or assist 'members' whatever that means. This is more like a country club than a financial service! read more

As a member of two other out-of-state Credit Unions, I'm able to bank at Allegacy CU. Even though I don't have an account here, they always offer me great service. With CUs in Florida and California, it would be difficult to do deposits and payments to these credit unions. read more

Allegacy Financial - Where they keep all the money! - Banks & Credit Unions Near Me - Winston-salem, North Carolina

The reviews on this bank are consistent. My father banked here and when my mother passed he changed the benificiary to myself as the executor of his will. As my father moved under Hospise care he called to validate these changes were made to his account. Now that he has passed they are still showing my deceased mother as his benificiary. The bank upon learning of my fathers passing locked up his account and is now turning it over to the state. My family and I are now being forced through probate court and pay for a lawyer to be able to collect the funds. Do yourself a favor and find a better organized bank. read more

I really wish I could do a share deposit at a credit union that made it as easy as this one did. I got help right away, didn't even have to fill out paperwork, had a competent & friendly employee and didn't have to worry about a time limit to get my deposit done. At least my credit union was spot on about this location taking deposits for me, unlike the place I went to in CT that completely lied about it. Good to know for if I'm in this area again. read more

I love my local branch, in King, but every now and then I'm closer to the branch on Peace Haven. This will not be the first complaint I've written for this location. After walking into an empty lobby, and waiting for the teller to appear from the drive thru area, and waiting for her to pause when she saw me and continue her conversation, she makes her way to her station, I finally hear "can I help you". It just went down hill from there. I was depositing a pay check and cash. I asked that they be deposited separately, because the cash had nothing to do with my job. She shook her head and told me that at the end of the day, the total deposit will appear in my account. Since I didn't arrive at the bank on the short bus, I know this. I had a reason for this request and tried to explain. She cut me off and told me I was the boss, they were there to serve us, blah blah blah. All while sounding like my lazy teenager when he's smarting off at me. I thanked her, said I hear what you're saying, but you're tone is saying otherwise. She made the deposit, like I requested, but also behaved like a child that didn't get their way. Heaven forbid, that a customer came in and interrupted her important conversation and the nerve of me to know what I'm talking about and to actually ask for what I want. As my momma used to say, someone needs an attitude adjustment. Bottom line, I didn't come into the bank to hear what you think you know. I came to perform a transaction in the manner I requested. read more

Allegacy Credit Union is a joke. I've only been associated with them for like 6 months. In that course of time, first they sent me a late payment notice on my car loan. Ends up they deposited, rather than apply to the loan, a monthly payment (the loan number, etc. was clearly identified on the check from our bank). This was not the initial payment, so previous ones had been processed correctly. When I asked how they would insure this problem didn't repeat itself, I was told they couldn't give that assurance "because this happens every once and a while." Now, I go to sign into my account, to review the loan, and it has been inactivated. They inactivate any account ("for security reasons") which has not been accessed for 60 days, so that means basically going through a reactivation process. WTF? I deal with financial institutions which probably could buy and sell Allegacy in hours, and they seem to not have a security problem leaving accounts active for years. Oh, and plan on sitting on hold, for a lengthy period of time, if you try to contact their Customer Service. When this loan is paid off, guess which credit union with which I will NOT be doing future business. I also deal with Self-Help Credit Union, and they seem to excel. read more

I got my home loan through Allegacy when I relocated to Winston-Salem and the staff couldn't have been better. I now have a checking and savings account with the Allegacy CU and every time I need to go in they are so friendly and fast. The online banking has everything I need. Very happy with this organization. read more

I hate their online banking. I go through hoops and circles to change my password and it times out quickly. I am having to jump from one window to another answering a barage of codes that are ridiculous. I don't mind security, but be realistic about it. Will be dropping this bank. It's ashame because the people at the bank have been really good. read more

Absolutely do not do business with this company. If there was a way to give negative stars their rating would be worse. Send check in for payment at first of the month. Get a call after payment is due saying they haven't received the payment. They in turn want me to pay a credit card fee to pay it. After telling them payment has been sent for two weeks they say it is the mail carrier fault. This is pretty much the past year and half month to month deal. After making multiple questions about setting up direct payments they told us it would be additional charges for doing that. Finally one person that called said a direct pay doesn't charge. Seems like a company of incompetent employees. After setting up their direct payment they failed to pull the payment out. They call me due to a supposedly late payment even though it is setup for direct electronic payment they reported it as a missed payment. First supposed missed payment in 3 years. read more

never use this bank! complete crooks! they stole money from me when i did a transfer. when i called they refused to let me speak to a manager! i closed my account! after doing business with them for 21 years they refused to make it right! rude, completely unprofessional and stealing your money! read more

Tried to make a deposit today (5/26/20). Lines for drive thru were out in the street. So went to the other location on Hanes Mall Blvd. Took 25 minutes to get up to automated teller and there was a machine that was so difficult to use that I bolted. They should have had someone out there showing us how to use machines that had no clear instruction. Is there anyone within Allegacy that can tell me and the other disgruntled customers why it was so difficult to bank with you today? read more

I have been an Allegacy for almost 40 years. My daughter bought a home through their mortgage department. This was one of the most stressful events that I have ad to deal with. They need to hire people that are capable of closing loans. To say they were unqualified is an understatement. I have never dealt with anything like this. I have called supervisors and left messages with no return call and left messages on linkedin Not surprising that they don't call back when their department is the worst. I would never deal with them again. Looking for a new bank currently. read more

we live out of State and had a nightmare experience. We sent checks to the head office for deposit, which they lost, resulting in costs to stop them. They offered no solution, so we asked to close the accounts (and send us the balance, whatever that was). Six months later we got a letter that we had to pay account fees. We gave written instructions to close the accounts and the answer? The letter was not received! I never heard such a BS story. They blamed these losses (the checks, the letter) on the postal services. We never experienced one piece of mail lost, and AFCU manages to loose two in less than 4 months! We have worked with our CU here without any wrinkle for e decade and AFCU really messed it up made a very poor impression. We will not work with them again ever. read more

I should have known when I opened a checking account and asked when I'd get my checks. "Checks? You want checks?" Allegacy is not so much a bank as a visit to an alternate universe where, in the latest event, "Citibank requires paper checks for bank-to-bank transfers." Really? "Dear Citibank, enclosed please find my check for $823,911,041 for this morning's transfers. Your friend, Bank of America." Be prepared to spend a LOT of time on things you never knew could go wrong. read more

I wish there was an option for zero stars; Allegacy FCU and it's staff do not deserve, or even strive for, one star. I am currently purchasing a home and unfortunately selected Allegacy as our lender. The entire process is so convoluted that I cannot easily communicate the numerous problems, but the bottom line is Allegacy does not value its customers, they do not operate as if they are in a "people-centered" industry, and their communication, or lack there of, is abysmal. Take your business and your sanity to a bank who will value your business and treat you with kindness, respect, and courtesy. read more

We were first introduced to Allegacy by a car dealer in the Winstom Salem area. We needed some financing, and they said they had an excellent choice to offer, a membership with Allegacy. We said ok, since we've never had a membership with a credit union, thinking it could come handy one day. Everything went pretty much normal with our car loan. Interest was not that bad. And besides a couple of checks lost from my Online Bill pay service (according to them, since it has never occurred with anybody else), and having to run to a sister credit union branch to make payments personally, it went pretty much smooth. We finished paying off the vehicle. Time came when we decided to build a house, and to save money we used our credit cards promotional balances. We knew it was risky, but we just didn't have the extra $30K to hire a builder for our project. We tried to use Allegacy for a construction loan. They said no, since one of the requirements was to use a licensed general contractor. Ok. We understood that. After initiating the project, we thought of using them for a debt consolidation loan, since we were getting close the end of the promotional balances on our cards. They said no. Too much debt. And honestly, we knew it was a long shot. Our original goal was, once the home was finished, refinance with cash out, so we go back and pay the credit cards used. But this time we realized how poor customer service Allegacy has to offer. First person who dealt with our application was nice, in the Davidson, NC branch. After 3 days she said she was going to take a leave and the application was going to passed to somebody else. That person rarely communicated. A couple of emails and that was it. A month later we received a letter from Allegacy saying we were denied. We figure, well. maybe since they didn't see a big deal of probability to get approved they didn't care that much. After we finished our home we applied for a refinance loan, through their website, as we were told by a representative over the phone. The system assigned our application to a loan officer, Jennifer C. We felt like literally we had to chase her down to get answers about our application, after days of awaiting a response. Never took the initiative to contact us. At that point to had enough of feeling like we were pulling a tooth from this financial institution and we decided to look for other options. Some said they could not help us, after carefully reviewing our case, but their customer service was extremely good. Like Quicken loans for example. And finally, we found one that was able to work our application with success, Fairway Independent Mortgage, their service has been excellent. After this experience, we could say that a membership with Allegacy Credit Union is worthless. Their customer service, besides the reps that tried to get you use them, is close to zero. None. Never before have we been given such a terrible customer service by a financial institution. read more

We had a HELOC with Allegacy FCU which has since been paid off and closed. I was told that letter of satisfaction would be mailed out in a month or two. Four months later still no confirmation of the payoff (we live out of state so I thought I would give them a little more time). I finally decide to contact them to check on the status of the confirmation. I was told the letter was mailed out three months ago...I never received it. I asked for it to be sent again, and was told they can't as it was their only copy??? I was told that they have no access to the records in the State that I live in. This is absurd as all I want is a letter stating I paid off my HELOC. I have worked in the banking / finance industry for over 10 years, and Allegacy is simple incompetent. I would never do business with them again. read more

They freeze my card for suspected fraud at the same places that i frequent multiple times (they've frozen my card before at the same place that shows up on my statement which i don't get) and it's impossible to get someone on the phone to assist and when they do they're very incompetent and speak with an attitude like they're the upset customer. I've worked in retail for a few years now and have never talked to a customer the way that i was spoken to last night and i am HIGHLY annoyed and still to my dismay the freeze on my card still hasn't been lifted and i'm wondering how am i going to put gas in my car or even eat! this is the worst bank that I've ever been to and the only reason they get a 1 star is because i have to put a rating down in order to comment. I don't even use yelp but i signed up just so i can post this comment. NEVER USE THIS BANK AVOID IT LIKE THE PLAGUE read more

Allegacy has always taken care of my needs. I have never ran across an issue. I would never try to finance a home through them. I just feel a bank, instead of a credit union would be much better source. However; I have finance automobiles through Allegacy in which my service was great. I have had several loans in the past with no issues. I relocated to another city so I have to use credit union service center. I call in when needed no big issues except for longer wait times lately. read more

If zero stars were an option.... The mortgage department is horrible. Our credit worthiness is not an issue. We were buying an investment property and went to them because I have banked with Allegacy for over 30 years. It took them over 3 weeks to give us a pre qualification letter (we were only asking for a third of what we qualified for) so we missed the first property. On the second property it took them almost 60 days to close it because their mortgage/underwriting department is horrible. On day 45, they were asking for clarification on items presented on day 1 so we missed our closing date 2 times. We finally had to say do it or don't do it but we need to know by today at 5. They said ok. Then, we're sitting at our closing and they say they won't put 3 people on the deed. There's 3 investors and only 2 are on the loan. They also knew this from day 1 and the closing attorney said this is insane. For the people are trying to do business, go somewhere else!!!!! read more