I am of the opinion that most merchants are in business to make money. I am also of the opinion…read morethat I've been treated fairly at this Bank. I also note I am not a person of affluence but having said that I am spoken to by persons who know I have enough money to keep an account afloat and do so have at least one such account at this institution. Moreover, I recall when I first when I first thought of building a place in Suwannee County or purchase a house, they didn't shy away from me just because may accent was slightly more southern, south Brooklyn to be precise, than theirs. Besides I like my free direct deposit, that's right I said free.

I've banked here for a few years now and the customer service has been great if there has been any…read morequestions on my account I could easily go in and talk to them about it and leave with a solution. They also have a great rewards program with shell I mean .50 off 20 gallons of fuel for 2000 points and you accumulate points quick. Everyone is friendly and when I go in or through the drive thru service they know me you don't get that at a lot of banks

Recently got a mortgage loan from FFB. A little difficult with all the documentation and follow…read moreup. After getting the loan I cannot find anyone who can answer any question. I get transferred from FFB, Live Oak, FL to FFB Loan Services in Virginia Beach, VA and still no one can answer one single question, much less two. The most frustrating experience I have ever had with a bank. I would not recommend First Federal of Florida for any type of loan. They do not seem to be structured to administratively handle the loan processes and do not have employees who can assist or even answer questions. Go to another more established bank and do business as it should be conducted.

They locked me away from my money today!…read more When I first opened a savings account, I was promised that Radiant would never force the use of texting for two factor authentication. This was the one thing I was adamant about when opening the account. Today, I tried to log in to my account and I was denied because Radiant decided to break their promise to me. They are now forcing SMS for two factor authentication to their web portal. No notice was sent, no warning, nothing. Just "access denied" to my money. I called their tech support and they had no way to log me in. No temporary code they could give me after authenticating me, no email verification, no phone call verification, nothing. Just .. "Sorry Sir, we can't log you in." This was obviously a cost saving decision by some "high ups" at Radiant who are too rich to have ever used the web portal and just don't care about their customers. Because of this, I am having to drive to the bank, get a cashier's check for all my funds, risk driving that to another bank, and manually depositing it. What an absolutely horrid way to treat customers. The one single thing a bank should do is provide access for customers to their money. Radiant has failed miserably.

I personally have been banking at Radiant since it was Sunstate CU and have nothing but great…read morethings to say about them. They just recently opened the branch in Live Oak which has become their rural members main branch. I brought my friend in today to open his business bank account with them because I've had such a great experience. Can't brag on Danielle and Melinda enough!! They were happy to help us and made the process fast and easy! Take it from me, I'm bringing my friends to become members here because they've treated me so well. The best local credit union/bank with rewards and incentives for members! Highly Recommend!!!