Got my credit/debit card compromised on a weekday. 5 phone calls and not help from anyone. Did not…read morecall me or text or email about possible fraud charges on my account. Could not cancel the charge. Could not call to get a new card as they were only open from 8-5 M-F. I'm not even going to bother to get another card.

This is for my sister: I was charged 1400.00, for insurance on my car covering a time that was…read morealready history. For only for 3 months, and this insurance doesn't cover property and bodily damage .I am widowed. I'm not in good health but I do the right thing. My debit card from another bank expired and my car insurance was using that expired card to auto deduct payments. I didn't know this had occurred because I moved to Kentucky the same month. When I tried to rectify it, they told me I could no longer receive coverage from them because I moved to KY. I was much more concerned about getting my medical information transferred. Diabetes can be life or death without insulin. I honestly didn't understand the ramifications. At the beginning of October, I found out the insurance was astronomical because it had lapsed on my car. Wonderful! People who can barely afford insurance get the penalty of paying more if they can't afford it in the first place. I live on a fixed income. It took me by surprise and I was unprepared for the high prices. I also did not realize that not only would I have to pay an arm and leg for insurance when I got it - but that 1st MidAmerica, had every intention of charging me for the months I did not have coverage. Originally they charged me 3603.00 I failed to memorize the fine print of my car loan contract, apparently. I had an inspection done when I got my insurance renewed. It's documented. MidAmerica did refund 3 months but not for the 3 months that were not covered. How generous. There is no law that says a car owner must go back and backdate insurance for a car that has not been insured. The law only states that the cars must be insured. If the car is not insured, a fine is assessed to the owner - and while part of paying the fine is also getting insurance, there is NO REQUIREMENT to backdate the insurance to cover the uninsured period. MidAmerica supercharged me for a period of history and there is no law stating that they must do so. I looked up the definition of usury. While this is not the exact same situation where there is an illegal action or practice of lending money at unreasonably high rates of interest, what did happen here was that MidAmerica used an unreasonable high rate of insurance to add to my already high rate interest loan. I know moral and ethics is on my side. I checked for precedence on this. Mortgage lenders did the same thing to owners in the past. When the owners failed to produce insurance, the banks charged such a heinous amount - that it wound up in court and the courts ruled in favor of the owners. The owners got back the overages charged to them. The courts ruled: "loan provider cannot charge more than what it necessary to insure the house." No one is going to believe 1400.00 for 3 months of insurance is necessary. My driving record alone justifies a lower amount. There is something unclear to me about why a credit union would purposely go and pick up the most expensive insurance to use against their members. At least until I looked at my interest rate. Then it all became very clear. I really don't understand amortization, and interest compounded daily. What I do know is that 10+% is rather high for an auto loan. Add the overcharged insurance rate...I recognize that my ignorance about insurance on my car is no excuse for the period I went without insurance, nor is not having the money. I am a member who has paid 2 years on time, and any credit problems on file are due to a death in the family not irresponsible spending and credit cards. If they are going to charge 1400.00 for every 3 months of insurance coverage, I think that kind of money should be clearly stated IN ADVANCE - no surprise parties.

Friendliest staff and very prompt! Excellent service! We always get the girl named Maddy and she…read moresuper sweet!

I think they're all a bunch of nice ladies. I go into the bank every single week (in Bethalto) and…read morehave been since they first opened in the bldg next door. I've always gotten taken care of in a friendly & professional manner. I think they're great! From the tellers to the managers.

Sometimes I leave home and forget to stop by the Regions that is across the street from the…read moreentrance/exit for my subdivision. My mind just gets too busy thinking about what I'm going to do and it forgets to remind to stop and get cash. Forgetting to stop for cash isn't that much of problem, because I typically have to pass this branch to get to wherever I am going in the RIverbend area. I actually like stopping at this ATM, because it is on the main drag and is in full view of cars passing by. It makes me feel safer. At my branch, the ATM is behind the actual bank and down in a hollow. At night or early morning, sometimes I do not feel that safe. Overall, I like Regions. They've been my bank for 5 years and I am pleased with the customer service inside and via the internet or ATM's.

The tellers are very nice. Good customer service. They were able to answer my question in a very…read morefriendly manner.

I would give 0 stars if that were possible. This has been the most frustrating and unnecessarily…read morecomplicated experience I've ever had with a lender. Everything is buried under layers of administrative red tape. Simple requests turn into long back-and-forths where you're repeatedly explaining the same thing to different people who don't seem to communicate with each other or fully understand the process. It's disorganized, inefficient, and exhausting. On top of that, they cap loan payments, which makes absolutely no sense. Even when you want to pay off your loan in full, you're blocked by arbitrary limits that force you to break payments into multiple transactions or jump through extra hoops just to settle your balance. It feels like they're actively making it harder than it needs to be. If you value your time and sanity, avoid this lender. There are far better options out there where basic processes don't feel like a constant struggle.

This credit union makes even the simplest actions unnecessarily complicated. Excessive red tape,…read morevague instructions, and slow follow-through create an experience that feels designed to discourage members rather than help them. I expected professionalism and clarity. What I got was delay, deflection, and a process so convoluted it raises serious concerns about internal competence. I would not recommend this institution to anyone who values their time or expects clear, responsive service

I've banked here for more than 20 years and always had great service. Go see Sonny for your loan…read moreneeds!

From the owner: Financial Services - Savings and Checking Accounts, Auto Loans, Home Equity Loans, Mortgage Loans,…read moreSignature Lines of Credit, Visa Credit Cards, Debt Consolidation, IRAs, Share Certificates (CDs)

Never ever use this bank. Loyalty means nothing to this bank. They look for reasons not to give…read moreout loans and think of different excuses not to. They've beco.e horrible deal with. Stay away.