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    Employee Resources Credit Union

    1.0 (1 review)

    Services - Employee Resources Credit Union

    Personal banking

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    1 year ago

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    First Farmers & Merchants Bank

    First Farmers & Merchants Bank

    (2 reviews)

    First farmers and merchants bank literally stole $87 from me and on top of it cancelled my savings…read moreaccount that I've had for 12 years. Here's what happened and how they lost a 15 year customer. So I've always money in my savings account and I guess it's always been over $100 but times are hard in my life and I had to keep pulling money out of my savings account to get things paid. well I pulled money out of my savings account for a bill and my balance was $87 in my savings account I didn't pull anymore money out for another month when I didn't have enough money on hand to pay a bill so I had to pull some more money out of my savings account so I walked in and and told them I wanted to withdraw $20 out of my savings account and the lady said well sir you don't have a savings account. I laughed thinking there was some kind of mistake and told her I've had the same savings account for 12 years now try again because I need $20 out of my savings because I need to pay a bill, she looked again and said no sir still no savings account so I freaked and said ok we'll hold my checking account because someone got ahold of my bank info and messed with it and stole my money! She called a manager and I went to her office and she then explained to me that if someone has less than $100 in their savings account there is a $30 a week fee until the balance gets above $100. At this point I am completely outraged! I let her have it! I shouted ARE YOU KIDDING ME?! WHY DIDNT THE BANK TELLER TELL ME THIS WHEN I WITHDREW MONEY OUT OF MY SAVINGS ACCOUNT THE LAST TIME!? She just said I'm sorry sir she didn't have to. So I said SO YOU LITERALLY STOLE MY $87 THEN SHIT DOWN MY SAVINGS ACCOUNT IVE HAD FOR 12 years?! she said we didn't steal anything sir you were charged penalties. I immediately pulled all the money out of my checking account and closed my accounts at first farmers and merchants bank and switched to another bank that don't have hidden scams to steal peoples money.

    I've had bank accounts in five states with dozens of banks and this is one of the absolute worst…read morebanks to deal with. The problem is not the local tellers, who are friendly and try to help, but upper management (EVERYTHING rises or falls with leadership). I have income from different sources and often from one-time sources. They have to know why I'm getting the money and what I did to earn it. Can you say -- big brother??? Management requires a ten day hold on any check that's over $5525. We all know that money is transferred almost instantaneously these days in the banking system. It sure does not take them ten days to take money out of my account. I surmise that they are using my funds for their own investments during that ten day period --- interest free. I just deposited a decent, but not huge check from a big company and was told by the teller it would be held for three days, then released. I didn't like it, but had already endorsed the check with "for deposit only" and my account number. That limited my options. Upper management stepped in --- after I deposited the check and put a ten day hold on the money. I complained and told them this was the last straw and I would close my account, but they refused to honor their first agreement. My advice -- stay away! Their goal is to use you and abuse you for their ends.

    Mariner Finance

    Mariner Finance

    (2 reviews)

    What could improve you ask new people you can't let people con or slide paper in there with…read moresomething on there you don't have and then you call her and tell her you don't have that and she tells you it's OK no it's not OK redo the papers. I've already turned it in and now I can't do it but it's OK. I can't redo just make the payments on time and it should be fine. a con is what they are. She is a crook. And she don't know how it got in there. Yes she does. And she's been reported and has done it before.

    This had to be the worst customer service I have ever experienced in my life!…read more I contacted Mariner Finance seeking a short term small personal loan. I explained upfront to the "lady" that I had been through several misfortunes one right after the other. The most recent being an automobile accident that had totaled my car and caused me to be airlifted to Vanderbilt. I explained to her that I had gone without a central system, all winter, due to one local company, ripping me off for over $400 of repairs that didn't fix anything. So my utility bills had been as high as 600+ dollars. I had to buy a new set of tires because I had a blowout one week before my accident, and I was paying an attorney because my so-called husband had walked out over six months ago and filed for a divorce, but wouldn't sign papers. On a positive note, I did on my own home and I did not have hardly any debt. Even though I was retired, I had secured a temporary job to earn some extra income. I thought this would give her all the background information she needed to understand why I had needed money to just get through until I could cash out an annuity that I had saved for retirement. I kept reiterating to her that I only needed a couple of thousand dollars to make it until the deposit came in. I just literally had no money, and no transportation. She turned right around and asked me could I come in and go over paperwork. I said, well, I'm not sure how I will get there. I will try to find someone that could bring me. I don't have any family in this town. There's no one here except, the man I was married to. Now, I'm just a homeowner stuck here . She became all jovial and said, I guess you could sell your house. I told her that I already hadn't mentioned when the divorce was final that was exactly what I was going to do. Then I followed by saying if that ever happens, she started in with comments like I'm not a counselor! I told her I did not think she was, nor did I want her to be! I also expressed to her that I thought that was a very rude remark on her part. I simply meant if I sold my house, I would not be needing their services! All throughout this process this woman drilled me like I was asking for the Hope diamond! I have bought and sold homes on my individual Credit. Not once did she acknowledge that value. Instead, she treated me like I was some type of worthless risk! I will not be doing business with this company. I would do without food before I would deal with this type of treatment. I simply was trying to keep from paying more overdraft fees at the bank until my retirement check that I worked 33 years for is deposited! Let me add one star is because the phone was answered. Preferably, I would give zero stars. I have worked with the public my entire career. I am an educated person holding more than one college degree. This woman needs to be reminded that what goes around comes around . Her attitude had nothing to do with following protocol.

    Employee Resources Credit Union - banks - Updated August 2026

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