I have banked with CEFCU for a couple of years or so. I rarely go into the branch but when I do everyone is very friendly. The ONLY issue I have is the daily limit on using my debit card. It has been declined 4 times now at the store because I paid bills online or shopped online earlier in the day and reached my daily limit. The only way they will raise my limit is if I allow them to run a credit check. ITS MY MONEY. I am not asking for a loan in which case I would completely understand. After my card was declined I was able to go the the ATM and withdraw the cash and return to the store. Needless to say it is very embarrassing. I have good credit and pay my bills on time but it is the principle of it. Its my money. If I have to let them run my credit to have access to my own money I may as well go to another bank which I will be doing next week if it is not resolved. No one can give me the reasoning behind this and everyone I spoke with at CEFCU said they agree with me and that they have also questioned the policy. I have a call into someone that I was given a number for. If they wont resolve it immediately I will just switch to another bank as it is not worth the hassle. read more