Complete waste of time applying for a credit card. There website said I have exceptional approval odds. LOL ! The underwriter LIZZY asked me to provide her with driver license several times which was alarming. I have many lines of credit paid 100% 730 score. DO NOT WASTE YOUE TIMR APPLYING! I applied to two other local credit unions and got immediate response approved . Thankfully other credit unions can appreciate good business. I would suggest some retraining of this underwriting team. I am an executive with 25 years of banking experience this is definitely not good enough. read more

I am putting in this review because I cannot get in contact with anyone about making my loan payment. I spent the week trying to get past that virtual Sam thing even he tells me I'm locked out so get back in by the email or text sent. So I do that and it tells me to call the number. It is a circle of nothing. I have emailed the woman who got my loan approved I have called near every number and I do not get any answer or return or the call simply drops. I have tried many different ways to get back in. I am met with an email over and over that takes me back to the log in which I can't. I do not want to ruin my credit over an issue that should not be this hard to figure out. I would appreciate someone literally anyone call me email me and speak to me or send me to someone who can speak to me to figure this out. read more

Credit Card numbers changed without adequate communication. Received multiple cards as well as cards considered obsolete with little to no information on the account number change. read more

Run from this mess. Disgusting humans to do business with. Customer service is non existent, call to speak to someone and spend your day guessing what prompts might get you to an actual person to then find out they have to file a claim and you will hear back in ten days read more

Terrible customer service aka bad communication skills and lack of basic human skills period. What I'm about to say wouldn't have been as offensive if she couched it in any level of kindness but she got even worse after it happened so it's safe to assume she's got an issue. Here goes - This woman (membership relationship advisor III - I guess her father and grandfather both held the job as well? Idk) literally told me to "ask my husband" in regards to getting a co borrower for a car loan. I'm a lesbian so I had no idea who she was talking about. I guess if I'm a lesbian with a husband I'd at least like to know his name. So if you at the company read this - please lmk his name and contact info so I can ask him to be a coborrower on a loan. Thanks in advance! read more

Got a used car loan for 7k in Feb 25 and got my payoff amount this July for 6800. 10% interest.... $200 towards principle! Freaking Thieves!!! Go elsewhere and read the fine writing. read more

Run, you don't need the frustration you'll experience with this place! First: I regularly vacation in Florida, reporting a travel notice each time. Whether I'm able to get cash from an ATM there is a 50/50 proposition. Being sick of having to call to say yes that was me, and reset things, over and over, and living with concern if my cc was going to work as we vacationed, I established a relationship with a second CU for peace of mind while on vacation. With so many automatic deposits and bill paying withdrawals I hung with the ACU credit card too for that purpose. I secured a car loan from ACU while having an excellent credit score, confident in having never missed a payment in over 35 years, and eye popping substantial investment accounts. At the last moment they hit you with a $95 junk fee, unrepresented in the APR. this in case you were to default, non-refundable on payoff, an insulting money grab. I have since financed two high value cars at my other credit union, with no required default junk fee. (Both of those at a reduced rate because of my solid financial position). Reported to ACU that my credit card appeared compromised via a short conversation with a computer. I found that they immediately shut my account down. No followup communication. Three weeks later as I dealt with meeting all the automatic payments, no new cards arrived (as other CU's automatically send you). I had to call to request them. Nearly two weeks later one arrived for me, not a second for my wife on this join account. Called again. Nearly two weeks later again, we get one for her with a different number. Closed out the cards. Only by asking about the rewards due me did I learn that I had to call them within 90 days to get my cc rewards. Do you think they would just send what you're entitled too, no. You must know enough to call for those or lose them. They now have a new web page layout. I went to update my external monthly mortgage payment transfer amount, and upps, they forgot to provide any info on those scheduled transfers, or to access any of those external payments to alter one if necessary. Two weeks now and it's still not accessible for me to update a payment. Closing all accounts, frustrated dealings are not my thing. What a sorry operation, moving everything over to the compitant CU. Run ! Update: I went in and canceled my Credit Card only to later find that they also shut down my debit card for my checking account, which I wanted to maintain for another month. Now I have to go and address that. Foolish of me to think that they would have done something correctly the first time. read more

When I used to use my card years ago at the ATM at the quick stop it wouldn't work and then after so many attempts it locked me out. I went to them they told me I needed a new card but I needed to pay them $10,I felt like I was being hustled,I told them I don't have it and walked away. Then one day the new card came out,it was the newer style card,I didn't have anything in my account,but when I had money transferred into my account they automatically took the money out for the card. Just Imagine how many member they did that to? I wont use the card to purchase things,as when you go in the store no matter where you are,they always have issues when they use their card,all the time,they when it does go through you can't keep track of your money and then you end up over withdrawing like many do. read more

Be aware of their front loaded "Auto Loan" with a balloon payment. Pay way more in interest up front than principle. This is a lease and the interest rate is different than the APR read more

The tellers in the Oneida branch are passive agrressive. I have been in the branch 3 times to reset a pin on a debit card and they keep giving me a number to India. When I tell them you are making me contact India they just look at me with an empty soul less gaze. They must be Harris supporters. If I dare say anything they look down on me. Even Helen Keler had a better Vision Then AmeriaQ . I want MAGA Q. Three times they have sent me on a bum steer. I guess they hate White men. read more

I have been going through AmeriCU sense 2021 my bank has been hacked, and I am trying to get my money back from a order that I did not get. Tammy said my dispute was cancelled but when I called for the dispute after her she said it was still open. So, tammy also lied about it not being open all these people that work for the branches need to get the facts straight because I won't be penalized for their mistakes. read more

My husband and I have credit cards and truck loans with americu,my husband went in for help,also my husband has dyslexia and is hard for him to read,the financial manager at the Rome office her name is Kristie cieslak,lost her patience with my husband,he also started to get nervous and embarrassed cause he can't read very well,she ended up calling the cops,since this happened other people are complaining about her also,she has no patience at all, read more

Had the worst experience my money ended up being stolen from my savings Account and the website says the bank closes at 5 but they close everyday at 4pm monday-Friday read more

I have been trying to get a debit card activated. I have been into the branch 3 times and had to phone India 10 times. The information that verifies my account does not match up with India. Hire a company in NA at least. I cannot understand these people and I am fluent in broken English. read more

Zero! I'm retired military (combat veteran) and got approved for a small loan. Do NOT waste your time and energy with this bank. Melody C. dropped the ball on me and Samantha (Manager) received my LEGAL documentation and still after six weeks of going back and forth DENIED my already approved loan. Melody took two weeks to tell me and never returned my last two phone calls! They're awful on business practices and I had to reach out and keep communication going. They will let you fall by the wayside if you're a small money transaction! read more

Absolute worst bank my family has ever dealt with. From sending wrong information to messing up account info not a good bank.

They had me spends thousands on my credit saying they didn't go by score corrected everything took months met with loan officer said she would call me in a hour it's Ben 24 and not only did she not call be back I could not get ahold of her ,,,zero professional and they lie ,,the woman I was suppose to see all she cared about was going home early ,, left me in the left h!!! read more

absolutely hands down the worst bank in the states. the app is impossible to use. trying to link other bank accounts? would rather chew stones than to have to go through that again. oh wait, never mind. wasn't able to get through it the first time. poorly design system in total. don't even get me started on the phone line... my credit scored continues to drop simply because i can't manage to pay my bill before they close down for the day. it's horrendous!! read more

If I had the option to give zero stars I certainly would. Their customer service is awful with virtually no follow-up. When you sign up they don't talk to you about their fees. If you have a checking account their "overdraft protection" is a joke. They'll pay it but charge you a $28 fee. If you take that protection off but something tries to go through they won't pay it and STILL charge you a $28 fee. Two weeks ago on 07/08 I received an overdraft fee in error. They refunded it and they never do that unless it's their fault. On Monday of this week a transaction for $25 went through and since gave me yet another overdraft fee because they didn't do the refund until today. Today, three more transactions went through and three more $28 fees went through. IF they had not charged me an overdraft in error and waited so long to refund it, the money for all but one of the 4 transactions this week would have been there. I knew the 4th transaction would jot and planned to pay that overdraft fee. I did NOT plant for $84 in 3 more fees. You call, they don't even care. Zero empathy and not even any sympathy, just launch into their "policies". I can tell you their policy certainly isn't customer service. I've never been treated so badly by an establishment I keep my money in. Or just turned away when there was clearly something amiss that was not entirely my fault. DO NOT open an account here. read more

I used to love AmeriCu however recent changes at my local branch have made me search for a new credit union. The location in Cicero no longer has a teller you have to go through a greeter to get any money out if you need quarters or a bank check you wait in multiple lines. It has become one of the most terrible banking experiences. I've experienced read more

They hung up on me yesterday. And today I can't get a 10 day payoff on an auto loan even with a Ssn. They go out of their way to be not helpful. read more

Worst service I've been had. Opened a credit card through them, ended up with fraudulent charges, got a new card but then all the sudden wasn't able to make payments online or on app. Tried calling, left voicemails for 4 months, no reply, missed 4 payments due to this. Finally got in touch and talked to team lead from Rome my store, most rude and disrespectful woman ever. Made it all out to be my fault and turned my credit card off due to non payment. So not only did it put bad marks on my credit but put me behind. All because I couldn't get in touch with anyone to help me make a payment. Never use them again. read more

Americu Reps at the Apple Pay verification phone number are rude and disrespectful and they can not verify your card for Apple Pay. They force you to contact "Member Services" which is another number where you sit on hold f HOURS and still no one answers the phone to verify your card. Americu is the most ANTI USER FRIENDLY bank because of their employees and their processes. I never had this issue with Navy Federal or BB&T before it became Truist Bank. The process to add Apple Pay was as simple as logging into my account through the bank app. None of this rudeness and lack of communication. what's the point of having a main phone number if you can't do anything with your ow money???? This is the WORST bank I have ever dealt with. Last week I went into my branch and they claimed my ID wasn't on file but come to find out the person who opened my account didn't label my ID as Identification. I'm telling you....Americu is a Mickey Mouse Bank. read more

Don't bank with Americu. Save yourself heartache and get a bank that cares a little.

the worst customer service in the industry. they hang up on you harass you block access to your money do t return phone calls. had to file complaint with NYSDFS as they have been freezing my account daily despite a 17 k balance. Oh and management says they have policy they can hang up on you can you believe it? read more

You want to stay connected with the community, but oneida County's payroll isn't on your approved payroll list. A list in which you will not disclose to your members so they know if their payroll check is on the approved list to ensure knowing the time frame to access their money. Unless direct deposited but well your waiting for direct deposit to kick in please wait the 3-5 business days. Just a heads up .Thankfully I'm not in need of access to my pay check immediately. Normally I'd over look something that seems so small but in the last year or so your services have gone done hill across the board. read more

The absolute worst bank ever. I have late payments on my credit report that should not be there any they never fixed it. Now I am trying to pay my car off and they won't let me do it online I have to go into the branch and do it. Oh but they are only open 9-5 M-F when everyone is at work. I HATE THEM and I cannot wait to have them out of my life forever. Oh and if I do pay it online I have to pay a 15 dollar fee and then if I don't sent a letter in with all my information photo copied ( drivers license etc.) they won't close my savings account and will charge me 5 dollars a month for "inactivity" so I guess I am using PTO and going into a location. Do yourself a favor and avoid this horrible place. read more

No one calls you back or explains the process very well. Also conflicting information, poor follow up and poor communication.

TERRIBLE TERRIBLE TERRIBLE customer service!!! They will put you on hold and never pick it back up. I have had multiple customer service representatives hang up on me after I've been on hold as well. I simply cannot believe how unprofessional, untrained, and disorganized this whole credit union is! I have called many times trying to get information about my account, and when I asked if the app had my account details the customer service representative responded "I'm unfamiliar with the app"... WOW GREAT HELP THANKS SO MUCH!!! Considering how many banks and credit unions are out there, believe me, Americu Credit Union should be your LAST CHOICE. Plus, if you're considering leaving Americu Credit Union and joining a different bank, I HIGHLY suggest it! Any bank you chose after dealing with Americu Credit Union will seem like a huge upgrade. read more

I went to them because they had my truck loan have a checking account or rather did and there was a mistake of 2 $.01 transactions that should've have even gone through with my account being set up to cancel and transaction that there wasn't enough for and I was charged $28 per $.01 transaction and the refused to credit the 2 charges of 2 transactions that NEVER EVEN WENT THROUGH. This bank leaves you no room for error especially when it's not even the customer. Will never do business with them again in the future. Go where your treated the right way not as an account number. Their lucky I was forced to give them a 1 rating because my real option was a 0 read more

I joined this Credit Union in 1994 when it was Upstate Federal when "community" was part of the credit union appeal. Since then (in my opinion) it has become as impersonal as what I expect from a bank, not from the people who work there but from the policies, rates, fees, etc. Instead of feeling like I am a member, I feel like a means for someone else to make profit. I remember when I swore by this credit union, instead of swearing at it. read more

The Last Place You Want To Go For Your Mortgage AmeriCu is a small bank, and they will drag you for 6 months or more to close on a mortgage even if your credit is A1, or even if your loan amount is very low, My friend has 750 credit score, he bought a single family home for $45,000 put 20% down payment, and the loan amount was just $36,000. AmiriCU literally torture the guy, it was a never ending process and they kept asking him documents to no end, and every few weeks he had to provide them the current pay stubs again and again. Not only that but they also asked him many document that were not even mentioned on the commitment letter. AmeriCU's closing attorneys Mr. John Nasto / Mike Oshins are even worse, each morning he is raising new requirements for the buyer and the SELLER, and drag the process for MONTHS. If you want to save headache and do not want to waste your time, stay away from AmeriCU when it comes to mortgage. stick to the big banks. read more

This is a great place for newcomers to the real world and people who have been in it for awhile. I opened my first bank account here when I was young and it was a great place to start. The tellers are very nice and AmeriCU is a fair bank and great for businesses and for single person accounts. read more

AmeriCU just always seems to be lacking and they seem to behind in times which would be fine if you were in the town of bedrock living amongst the dinosaurs but in real life AmeriCU just doesn't seem to be able to keep up. I don't get notices usually until a day or two after charges are made I tried to use their ATM machine in Watertown just to have my card eaten up by the machine because it timed out at no time did the machine asked me if I wanted to continue or Q me for my password nothing it just took my card I called to have it rectified and was told it'll take 3 to 5 days for my replacementbcard to come I called and spoke to a supervisor after that and was told there's a $25 fee in contrast I had lost my ATM card in the past with Bank of America and they had a card out to me that same day and delivered to me the next day and didn't charge me an extra dime but not AmeriCU I spoke to two people on Sunday and two people on Monday one of them being a supervisor and none were able to get me out a new card at no charge even though it was their machine that took my card with no notice no do you want to continue no enter your pin nothing it just takes your card they also seem to be lacking in customer service as well now I'm waiting my three to five days to get my new card because that's how long it takes so that I can go close my accounts with AmeriCU luckily for me I have other banks that I use because AmeriCU was so prehistoric that it won't be that much of a setback for me but my daughter was not so fortunate she uses AmeriCU exclusively and her card was eaten at the same bank in Watertown at the same time as mine was just two different machines side-by-side from each other and both of our cards were eaten . when she called cust serv They acknowledged that their machine will eat your card after so many seconds and it does not give notice but instead of making it right and just sending us our cards through expedited Mail so that my daughter could have access to her money they refused without charging a $25 fee for each of us although they acknowledge that their machines will eat your card all we were asking for is for them to please send us a new card overnight which they flat out refused to do even after speaking directly to a supervisor it has become very apparent that AmeriCU just is not the one for me read more

They are very rude and unfriendly on multiple occasions. Worst banking experience I have ever had. WIll NEVER use them for a loan again!! Would not do direct withdrawal for loan and nickeled and dimed me on replacement paperwork. You get better customer service at the DMV. STAY WAY!!! read more

It is hard for me to give them even one star. We joined AmeriCU when we moved here in 1996. It was a five star peration. Note the word "was". We have our mortgage and all of our personal banking was with them. Trouble started after ten years when they stopped auto drafting a credit card payment. Unfortunately, I was not notified. The routing number was incorrect, and the bank never mentioned it. They paid the bill for six months and got tired of it and stopped. Once I realized that it wasn't being paid (after 6 months, poor accounting on my part) I went to the bank, and they reported the above story. They said they were sorry, as my credit pummeled. They now treat me as a criminal. It gets better. I went to pay my mortgage one day with my debit card from another bank, and because. It says..."check I.D." Instead of a signature, they would not accept it. Mind you that I have known them for 20 years. Yes staff is still there that know me well. The outside service is slow and pathetic. I have waited thirty minutes on one occasion and twenty on another. This last time, I know...what was I doing at the drive-thru? Anyway, they wouldn't give me any information on my mortgage account even though they were going to put extra money to my principle, when I asked them to put it to taxes. I was not sure how much went where, but they wouldn't tell me. I would be done with them totally, but I have paid so much interest on my mortgage it is not sound to change it. However, I am considering. Oh and their mortgage department in Watertown, they laughed at my husband because his credit had droppped to below their standards. If you do have to deal with AmeriCU, use the Rome branch on line or by phone. Arsenal street gets a relunctant 1star from this consumer! read more

I wanted to re-fi my house and got started with Americu by opening an account online, which was easy and quick. Then, I applied for the re-fi and received a call back in about 3 days, and the lady that called me found something in our credit history that wasn't ours- YIKES! It took me less than 2 weeks to get all the proof and get the Credit Bureau to delete the record. I emailed the lady back to let her know it was resolved and received no response. I emailed about 3 times over 2 more weeks, then I got annoyed, so I called the company and they got me through to a supervisor who said that lady was no longer with the company but that he couldn't help me either. He told me to call a another person for assistance. Called him and received a call back that day, but alas, he just whined to me about how busy he was and asked if I call yet another person and told me that if that lady didn't call me back, that I should call him back and he would find time to help me....so, I bit my tongue and made the call. 2 days passed, no call. I called again. 2 days pass, no call. I called the busy man back- 2 days pass, no call. I called back and spoke with customer service and complained and they assured me that they would have someone call me- and they did! I spoke with a customer service person and I explained that I was in the application process already and just wanted to set up an appointment for me and my husband to review our options TOGETHER so that we could make an educated decision on which path was best for us- I thought, this is it- we can make it happen-= but.....she couldn't find my information in the system...and had to "find" the right person to call us, so I gave her all 3 of my Phone #'s to call me back which she swore she would, and that was about a month ago, and I never heard another peep- not even to get the disclosure letter that they ran my credit history.... I have decided to stop trying to give them my money. I will give it to someone else. Hope you have better luck if you try to work with them. read more