My husband and I have been DFCU customers for over 30 years. We always had an excellent relationship and impeccable service UNTIL 2024. They started with my business account: 1. They changed my account # without informing me until 4pm that day via e-mail. Fortunately, I was not traveling. 2. I asked if there had been a data breach in order for them to do this. While I was told no, I received notification a few months later that they, in fact, had a data breach!! 3. Sent out bank checks to my vendors for on-line bill pay. Checks were never received by the vendor. I received late charges and my credit report was downgraded. Now they have infiltrated our personal accounts: 1. We scheduled a payment to AAA for our homeowner's insurance due on 10/22/2025. Their bill pay department sent a bank check instead of using ACH and, as of this date (11/6/2025), AAA still has not received our payment. A. We received a discount for paying in full by this date (so that is now null and void). B. We are in jeopardy of losing our homeowner's insurance for non- payment. C. Our credit score has been affected by this past due amount. So very sad to see such a great organization go from first to worst. I don't know if they have changed management or what but whatever they have done has damaged their organization and philosophies. I will be contacting all of the people that I have referred to DFCU over the years (and there have been many) to let them know they need to look elsewhere. read more

2nd review... Just spoke with a 2nd rep at DFCU... It appears all DFCU folks that answer the phone in the loan dept are all trained the same way...RUDE, MEAN. UNHELPFUL, and they behave as we are bother them...WOW!!! Bank elsewhere! read more

Call center leaves you on hold 30 + minutes. I had very rude customer service rep named Paige.

I have been a DFCU customer for 35 years. I have noticed in recent years a deterioration in service fron tellers and one branch manager. They closed my original branch at Southfield Rd and Oakwood Ave weeks ago and I can say that the female manager there was always willing to listen to my issues and always resolved the matter to my satisfaction. They moved the branch to the mall down the streeet and when I went in simply to deposit two of my sons paychecks into my acvount....they refused. Outright refused because my son was not on my account and it could " possibly" involve fraud. I has plenty of money in any of my several accounts to cover the checks if they bounced so I asked for a manager who told me that they could not accomidate my request. Absolutely absurd !!!! Never have I been so infuriated or insulted !! Because they want to please the government and have a paper trail for every nickel we citizens earn or spend the banking system cooperates and treats us as if we were criminals and deserving of surveilance. Unbelievable. I will of course be closing all my accounts at DFCU as well as no longer using their investment services to grow my savings. I will now be looking for a banking service that treats its clients with respect and does nor assume them to be invved in fraud. All this over 2 checks not even totalling $300. Pathetic !! Shame on you DFCU. read more

While signing the back of checks, my sunglasses accidentally fell into the trash opening in the table. I asked customer service for help. After waiting a long time, I looked into the manager's office. What an incredibly rude and nasty look she gave me, wow! Eventually I got my sunglasses. There was a second pair of sunglasses that had fallen in there also. I told her she should get them and put them in the lost and found. She gave me another dirty scowl and said, no I'll leave them there. Just an unfriendly, nasty, rude woman who scowls at clients as if they are an interruption of her day. I'll never interface with her again. read more

Couldn't get a modest used car loan making over 100k 743 credit score zero credit card debt 11yrs on the same job and been in the same house as long. And their bs reasons were "lack of open accounts" I've got 2 with a zero balance. And secondly, "no collateral!". What the f is that? This credit union is absolutely blind!!! Nothing like it used to be. Very sad. I truly hope they fold. read more

DFCU has deceptive and fraudulent business doings. With over 2k in one of our checking accounts and six days before Christmas, I was doing what any other person would do - Christmas shopping - both on line and in stores. I went to use debit card linked to checking account - DECLINED. Thought it just may be the store. Went to another store to buy Christmas dinner stuff - DECLINED. After an hour of searching for card service number in line (because DFCU doesn't have it printed on back of the cards AND it was after business hours), I call card services. They are perplexed as to why it keeps coming up declined. Card services tells me to call DFCU in the morning. I called and was on the phone for FIFTY MINUTES with these morons. Turns out they have an unwritten "security feature" with debit cards that they do not divulge to members. You can only make twenty transactions a day using your debit card. Then you are automatically cut-off from your funds. NOTHING written in the terms of service in regard to this, and they verified that. I asked for an increase on that ceiling of uses... they wanted to know what stores and how much I'd be spending at each store. Are there simpletons for real? It's called SHOPPING! There is no way to determine where I am going to use the card or for how much... my job is to monitor that I stay within my budget. PLUS, as a result, I granted one vendor access to take directly out of my checking account - DFCU blocked them and I got hit with an over-draft fee! Needless to say I am going there after Christmas and pulling all my cash from these shysters AND will be suing them for deceptive and fraudulent business practices. Karma's a b*tch, DFCU. read more

Been a member since the late 80's. This credit union went extremely downhill fast. It is so sad to see. Here it is 3 years past Covid and they still use this excuse for poor service. Good luck trying to talk to someone on the phone. They recently had a "system update" that lasted all weekend long and somehow had my money tied up in the process. Took my family to a graduation dinner and couldn't use my debit card. It was extremely embarrassing. And no way or no one to call to find out the problem even though there were more than w ohhh funds. Their fees now are outrageous and they are extremely inconsistent with their own rules. I will be closing out my account here. read more

In July somebody used my debit card numbers to shop at an ATT store in Austin Texas. I've never been to Austin Texas, (Michigander,) but DFCU refuses to reverse the charges due to "insufficient proof." You'd think the fact that every single purchase around that time was done within a couple of miles from my home would be proof enough. I highly DO NOT recommend DFCU. read more

My father of 90 yrs. old. drove a few miles to the garden city branch to deposit some money into my account. The teller sent him away because he didn't have my account. The teller did not offer any options just threw him back out in the snow, did not offer a phone call to find it, did not offer to sign on the account for easier next time service, did not offer any advice just told him to turn around and be on his way! When I called customer service the same damn response! I had to suggest options for them to suggest to me! These guys are idiots and are clueless about customer service and disrespectful to seniors. I am closing that account! Screw them. read more

These idiots blocked my card so I couldn't buy my groceries. How embarrassing!! I have over $3K in my account but there I am at the register looking like a loser cuz my card won't go through. I called first thing the next morning and was told they blocked my card due to transactions at Kohls, Applebees & Fandango. REALLY??? Oh how dare I shop,go to a movie & eat. Thanks for embarrasing me at my regular grocery store you morons. read more

I have had an account with DFCU for approx. 35 years. A couple years ago they started charging a statement fee. I do not like fees. So I called and they advised that I could get my statements online and avoid the fee. Perfect---so i did that. I had not checked these accounts in a while so I went online yesterday to see them only to find out they have been stealing $12 a month. They called this an "inactive account fee". And they advised that I should check my accounts more frequently to avoid fraud. Fraud? look in the mirror DFCU!!. and I was told that I need to have some account activity at least once a year to avoid this fee. So I transferred a penny. Guess I am good for a year. i just want my money back that they stole with NO NOTICE... read more

When I got married, I decided to move my accounts to the same place my husband had been using his whole life. Everyone was really nice and it has been easy to open my own checking and savings accounts, a savings account for our daughter, and a separate account for my business. Once all the accounts were opened, I was able to set up online access to all of them - how convenient! The only frustration I've had is that they charge to use the coin counter. Seriously? When I worked in banking we had to break them out of the rolls and bag them to sell back to the fed anyway. Why make me roll them before you do that? Of course my favorite part of being with DFCU is the dividends. Once a year we get a nice chunk of bonus money, depending on how much money we've kept in our accounts that year, and what other services (loans, etc) we have. Yay!! read more

Worst banking institution known to man. They purposefully hold back pending transactions so that you over draft then refuse to help you out. All they care about is making money and could care less about you and your money. I would never suggest them to anyone ever again. read more

this company is predatory and should be investigated! they charge overdraft fees when they in fact are the ones causing the overdraft due to their business practices! someone please file a class action lawsuit!!! read more

Terrible Bank!!! I've never been treated so disrespectful in my life and I'm the customer. These employees think they are above the members. I have some advice to the upper management of this business. You better get the attitudes of your workers in check because one day when members have had enough, the collapse of DFCU won't be without a warning. A good lesson in business ............... the customer is always right!! read more

captured the deposit of my customer without cause. has yet to release the money. approx. 2 months

They are ran like a bank. We found them not to be friendly. We left when they took away the perks.

I would tell anyone "bank" shopping to avoid DFCU like the plague. When we first moved to MI almost 30 years ago we started an account here and it was great. Unfortunately, the service has been declining ever since. They also started to charge fees for everything - the lack of which was one of the selling points of joining them in the first place! They have even started charging if you pay more than five bills online a month - after they pushed and pushed for people to switch to online bill paying by touting that it was free. Fees for everything else they can come up with as well. I have had them pull out money on different dates than authorized with no notice and no permission, resulting in insufficient fund charges and have had to spend literally hours on the phone to get the fees reversed. I have had them withdraw money for bills and then never actually send the check to the utility, resulting in late fees, and again, many frustrating hours on the phone. There have been so many minor inconveniences and annoyances I can't even begin to describe them. The only reason we haven't left already is that setting everything up again is such as hassle and as a very busy working mom I have little free time. The service you get either in person or on the phone varies tremendously - I've mostly dealt with the branch on 7 mile and the Ann Arbor branch. Some agents are great, super helpful and nice, and others are unbelievably rude and actually seem to take joy out of causing problems for customers. We are moving out of state shortly and I cannot wait to cut all ties with this horrible institution. read more

I think I have had it with DFCU. Been with them for years and always been good. They recently changed their internet banking system and it is now incompatible with the MINT online application which has hundreds of thousands of users. MINT if an app i use daily to track account balances, etc. Since my checking, savings, auto loans, money markets, personal lines of credit are all with DFCU - those are inaccessible in one place for me like they have been for many years. DFCU says they only support quicken now. DFCU is behind the technology curve and obviously does not have the IT staff to do things right as so many other banks do. I can deal with them being a CU and doing a decent job at that but I am tired of their being behind the curve. I guess I am moving all my family accounts to a real bank. Calling their support was also stupid as they make a major internet banking change and don't have the support lines staffed to take my call - not "wait on hold" but "we cannot take your call"... They should have stayed the dearborn federal of old and now are out of their league. Their IT people should be fired for not taking into account the effect and support this change required. read more

Customer service rep was very rude. I called about being charged an overdraft fee twice. I had two reoccurring charges come out of my account. Instead of being charged the fee once I was charged for both. The customer service rep I spoke to me as if I was below her because I over drafted. I cannot remember the last time I over drafted and had I known I did I would have transferred money into my account. I will be moving my money to a different bank because of the customer service rep I spoke with today. People should have more compassion so close to the holiday. I still do not think I should have been charged twice when the following day I added the money back in the account and an addition $1000 + dollars. Clearly it was an honest mistake on my end and accept the fee but would have been nice for them to remove the second fee. read more

Their chip card got hacked. I signed their affidavit as demanded. It took a week for them to reverse the charges to my account. They told me that they had up to ten business days, or up to two weeks of my $1000 in bill money being tied up and inaccessible through no fault of my own. Then, if I had not gone in the office and signed the affidavit, it could have been missed in the mail, at which point, they take your money again. After I made repeated complaints about the money not being available,they moved me to the "top of the stack," the manual way of returning the money that had been given away in five minutes, digitally. I asked why they didn't reverse automatically, and they told me that they were small and did not have the power of the big visa cards and banks. That pretty much explains their problem. Except, they have now opened branches in Uganda. So, now, international branches can access our personal information. If they are a small business that cannot compete against big banks with security or immediate return of fraudulent charges, what are they dong going global? We are given a false sense of security with these "chip" cards. My regular card had not been skimmed, ever. Then they gave me a chip card, which I deliberately sign for transactions to avoid giving access to my pin number, and it was skimmed in short order. DFCU called to assure me that it was simply a skimmed card. They had no idea that someone had also tried to breach my account through the DFCU call center. I had to tell them that they were wrong, someone had also tried to hack my account. They were supposed to be investigating a breach and I should have never had to be the one to tell them that my account also had an attempted breach. This time, the two factor authentication worked, and my online account was not breached. I felt slightly better that they could not get in, then, I received a hang up phone call from the state where the skimmed charges originated. Now, I figure that I am under attack for identity theft and the thieves have more information then a skimmed card. I asked that DFCU add additional trick questions to their call center to make it harder for people to access my account. They told me that they would stand behind their call center questions. They are not changing their out dated security policies. These questions were established years ago before social engineering became common. I called them and told them this, they passed on the information. Conclusion, they are more concerned with protecting their employees than in beefing up security to protect a customer that is under attack. All they need to add is a few more trick questions, which I was told that they would not add. My money is not safe at DFCU.. They only have true 100% DFCU employee support during business banking hours. The rest of the time, their security is a separate department with automated messages that tell you to contact them during banking hours, so if your card is locked for any reason outside of those hours, which has happened to me around Christmas, tough luck, wait until Monday to get help accessing your money. I will be moving my accounts. Their security and policies are archaic. They are slow in reversing fraudulent charges, and they have separated security sections that only talk to each other after the fact, when it is too late. https://www.google.com/search?q=dfcu+uganda+working+hours&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&dlnr=1&sei=JGHiWfydLY-gjwS-37LQCA read more

Do not... I repeat DO NOT use Dearborn Federal Credit Union for your auto loans. They are complete idiots and argued with me on the phone about something THEY dropped the ball on. They also told me that they spoke with my husband this morning and that he said he got it taken care of even though that's complete bullshit. When I told them they knew the payments were supposed to come from MY account bc we physically went into their corporate office to set everything up, they argued with me and told me I'm wrong and that my husband already said he was paying it. When I spoke with this woman, she kept telling me that I was wrong and refused to let me speak with another person. My husband had to call back and tell them to speak with ME... which is ridiculous. When I called back and spoke with a new lady she told me the money is supposed to be coming out of my husband's account, which is NOT TRUE AND she didn't even know I was talking about the fusion instead of the flex. These people are complete idiots and incapable of handling any business. Now I need to go onto their office tomorrow before I go on vacation and I can tell you they do not want me going in there. This payment is 25 days late because of their errors and she had the nerve to tell me it's not on my credit report yet, so it's ok. No it's not ok you imbeciles and don't ever tell me it's ok when it clearly is not. Learn to run your business properly. Do NOT use #dfcu #dearbornfederalcreditunion read more

This place will shut the door right in your face. I got here right at 5 for them to close the door in my face. They care more about getting home than helping you. read more

I have had an account at DFCU Financial (Dearborn Federal Credit Union back in the good 'ol days) for just shy of 30 years. I have enjoyed free checking, no crazy fees (really! my other bank charges me if I want to use a teller or get a statement), pays dividends, yada, yada, yada. My kids both have accounts (and receive yearly dividends) and my oldest has taken the Financial Bootcamp for Kids. In 30 years my only complaint is I wish there was a branch located closer to my home (in the b'hma/bloomfield area. read more

A lady at the teller window told my daughter that if she wanted to close her account, I would also have to be present since I'm on the account. No problem there until we find out from the person who actually did the closing of the account that there was no need for me to be there. The lady who closed the account also never even asked what she could do to keep our business. Odd. Closing our account because transactions like depositing checks simply take too long. I had to go to my real bank to cash a check just so the cash would appear on the same business day at DFCU. Silly, sad, and slow. read more

I can't personally speak about this branch. They were fine when I dealt with them. I have been with DFCU since 1992. DFCU has been a major pain in the !@#. Where do I start with all the problems: 1. Noticed that they took $500 out of my checking account for a Visa payment. I had already paid my monthly charge. Called them and they said that their General Ledger was off so they decided to "withdraw" from my account. I told them return the money or I would contact the Federal Government or state of Michigan. They returned the money the next day. 2. Had a loan with them. Paid it off= zero balance. For 15 years the loan showed up on my online account they said it would be "reviewed." I finally rolled off about 1 year ago. 3. Now my personal fav laughed at and stranded in Europe. This occurred in 1995 before the internet. I was traveling in Europe. The year before I had visited the UK and found that European banks gave you no option between checking and savings they only pulled from savings. Before leaving I did speak to a manager at the Livonia branch who assured me that he would personally move my money when my automatic deposit would hit every other Friday. That was a lie! It was a Friday at 8am in Vienna, Austria I was at the train station and went to get money. It said no funds available. I was freaking. I had no money. I called the Operator from a payphone who contacted the US and got me to DFCU I was doing a collect call at a phone booth. This prick named Travis at DFCU in Dearborn would answer the phone and say "is this the guy trying to call from Vienna? WE WON"T ACCEPT CHARGES." He would laugh and hang up. He did this 4 times. I got an Operator for AT&T who told him she was an operator and can confirm I was stranded in Vienna because DFCU Mgr in Livonia screwed up. Travis refused to put a Manager on the phone despite the Operator and I asking. I called my sister who went to DFCU In Dearborn and went off on a bunch of manager there-they transferred my funds. Now paybacks are a bitch. When I got back to the US I went to DFCU in Dearborn personally. Do you see where this is going? lol I saw a guy working the courtesy desk-guess who it was. It was Travis. He asked what he could do to help me. I told him "Well you little !@#$er I'm here to get you fired. I got a Manager and ripped her apart and demanded Travis be fired. On my way out I saw Travis and told I might be waiting for him outside after work. I never did. Also I never saw him again. 4. Getting info from them on my home loan for my house here in CA was beyond painful. The woman I spoke to I believe had brain damage or her Mother fed her paint chips as a baby. I could go on but I think the average reviewer would see all the problems I have had with these rude, stupid dolts. Why do I still have the account? In case I return to Michigan. I have been with a credit union here in CA for 15 years and no problems. read more

Bad customer service, inconvenient, and a lot of fees. About twice a year I have to get on the phone with these guys for hours to try and fix or handle being locked out of my account or handling the large fees that pile up. read more

DFCU Livonia have been great! Pleasant, helpful and always easy to work with. We love the annual cash back feature and our kids love their cash back savings accounts too. read more

Horrible experience when closing account. They charged a $40 fee for having a $2 balance left in my account when trying to close. A mistake they made results in a $40 dollar fee for me. read more

DFCU (Dearborn Federal Credit Union -Financial) has the following special, unique features that other banks don't have: For a joint account (checking or saving account or whatever) holder, each person needs to update his/her address individually, independently. Do not assume that, as long as husband or wife updates the address after they have moved to a new place, the spouse's address would be updated automatically. No. This unique feature does not exist in any of other banks that I have accounts with, including Citibank, JP Morgan Chase, Fifth Third Bank, Charterone Bank and several online banks. In addition to this, DFCU does not mention it anywhere in document or on website that I can find. There's no place on its website, your logined account, can you see any indication of separate address information. That is, inside your on-line account, there's only one address shown. By the way, you cannot update your address over the phone. You either have to send the address change notice by mail or physically do it at Branch. There's no official form to be filled out, but it should include your name, SSN and the birthdate, among others, but nowhere you will find such requirement. Once you do send out the address change in mail, the account update takes about 10 days. Even you specifically request for a new ATM card to be sent - because this is the very reason you want the address changes done - they do not fulfill your request. You do not realize this until 3 weeks later when you find out you haven't received the card, you then call them again. None of above statements is in negative tone. This review is intended to be neutral. You be the judge. read more

Update. My mother closed her account with DFCU due to it being compromised. Unfortunately, she wasn't able to stop the electronic transfer of her social security and pension checks in time. She would told by SS and pension office that since there was no longer a account the electronic deposits would come back within 1 day. Half the month has passed and DFCU hasn't sent the electronic transfer back to SS or pension office. How are they processing a electronic transfer to a closed account. Mom is on a fixed income, can you believe that did this to a Senior with no remose.....No longer her bank either. read more

I have been with DFCU for a long time it is going downhill. It was good until last month. surprisedly they started charging bill pay 50 cents per bill. It costs more than a stamp! I am going to move my money to somewhere doesn't charge bill pay. Goodbye DFCU. read more

When you rely on ATM service at this branch, you will be disappointed almost half the times you arrive. The ATM is often out of service in the drive thru. Worst I've ever experienced in a bank for 35 years. read more

Mortgage loan officer very slow, took about 2 weeks to get a pre-approval letters. Other banks gave me less than a week. Every call to mortgage officer goes to vice mail & wait until next day for response. read more

I usually have great interactions with the staff at DFCU when I call their customer service line for assistance. But today I spoke to a woman named Sharon after selecting the "Help with DFCU Online" option. I barely got 2 sentences out regarding my question and she became extremely defensive. I was asking about paying off and closing a loan and having difficulties with the website automatically changing the date, thereby preventing the payment from going through. She said the problem is my other bank and continued to interrupt me to say I should call the other bank. I have no idea what kind of day she was having, but I started the conversation very pleasant and non confrontational and she was incredibly bitchy for no reason. It was enough to make me immediately find multiple websites to submit a review and I will be calling to speak to a manager. That was entirely uncalled for and extremely unprofessional. read more

DO NOT, I repeat, DO NOT keep your money with DFCU Financial!!!! If you have had an account with them for years, and never had a problem, read this, and you may change your mind. On 7/31, a company called Platinum Capital Investments was able to put two charges through to DFCU without our authorization. This would be problem #1. How is that possible? Why wasn't a red flag put up to stop the charges? It just so happened that these two charges completely wiped out our bank account to $-.06. On 8/3, Gary went on-line to pay bills, and saw that our available balance of -.06 was very different from our ledger balance. He went in to the bank to get answers. Turns out the charges were on my card. He comes home to get me, and I ride to the bank (in the state that I currently am). We talk to a member service representative (whose name I am leaving off here because he has been the only decent, though not helpful, person we have dealt with) who fills out a fraudulent card use form. He puts both of our names, account numbers, and we both sign it. Today, having heard nothing about it, I call them. They inform me (after putting me on hold for half an hour) that the form we filled out is invalid because both our names are on the form, and it was my card the transactions happened on! Now, Gary and I signed up for completely joint accounts when we joined Midwest Financial after moving to Michigan. Joint checking, joint savings. . . When DFCU hostilely took over Midwest Financial, they split all of our accounts up -- giving us each a member number and a debit card. We never wanted that, did not ask for it, they just did that. And here, they have a piece of paper that is signed by me, with my account numbers on it, but it is invalid because it happens to have my husband's name (my husband of 22 years) on it, too. They WILL NOT even start the process until I go in and fill the paper out again! Keep in mind that their employee filled out the initial form to begin with! Now, I am on driving restriction due to my surgery. I cannot drive my car at all -- due to its being a manual, and I having one good arm. I am unable to "just go in to the branch an fill out the form again." They were made aware of this. And it does not matter one whit to them. Oh, and by the way, this all happened on our 22nd wedding anniversary. read more

i had been a member of another credit union my entire life and switched to DFCU when i got married. my husband and i instantly regretted it. at most smaller credit unions, there's never a "hold period" for checks deposited and every time i visited the credit union, i received less-than-personal service. just recently we were charged 3 "insufficient funds charge" when we still had plenty of money in our checking account. that removed $90 from our checking which made another large check to bounce, which brought on yet another charge. they were not very helpful when we called about our problem either. i wouldn't recommend them to anyone. read more