Today as I walked in, I met on their line one of my friends I didn't see for quite sometime from Baldwin. I signed in and met Arionne Liburd, Loan & Member Services Representative for the first time. As it happened, my friend has been going to her, as well. That gave me the first sign. Ari was terrific, knowledgeable, sweet, and knew after we spoke, what I needed to proceed with the transactions. It was truly a pleasure and didn't take long at all. The Credit Union was busy and air temperature was good too, considering how hot and humid is has been in Freeport. Highly recommend this office and Ari, as well. She brightened my day, as I did hers. JY read more

Ever since Bethpage credit union changed to four leaf credit union, it turned horrible. Whenever I make a credit card payment, it blocks it. What is the propose of having a credit card and not being able to use it? I have to call every single time when I make a payment. This bank went from one of my favorite to one of the worst from credit card, loans and customer service all went to trash. This back lost the human touch and it's all script based response. It's a human talking like a robot. I hope CEO Linda Armyn does something about this! read more

I would NEVER do business with them again. I have a car loan with them and I would hardly know I had a loan with them. They can't even send the bill (coupon) whatever you want to call it on time or ever. As many times as I have told them about this their response is - your bill goes out on the same time every month, we are not responsible for what happens after that and you still owe the money on time. Yes, I know that. Funny that of all the bills I get every month their's is the only one that has a problem and they don't seem to care. read more

The overall 1 star rating for this bank says it all.... Bethpage was amazing and now Four Leaf could care less about their members. I've made a dozen calls about my heloc and how the checks stopped working. Their reply was "of course your account number changed when we changed names and we sent you new check book" FIRST Ive had banks change names and accounts never changed. IF you were changing MY account number I should have been informed. There has been limited communication from Four Leaf. I'm now waiting on the 3rd attempt for them to send me a check book. Every time I call I get different answers. Now Im told wire transfers are no longer allowed from HELOCs. Additionally I requested to speak to a manager and when I got to her I was informed that I need to schedule an appointment for a conversation which is outrageous. IF YOU ARE CONCIDERING THIS BANK RUN FAR FAR AWAY. read more

absolutely horrible experience every month to pay my car loan. it takes about an hour to get through to just make a payment! i would like to file a formal complaint, this is unacceptable and so unprofessional! read more

Do not unfreeze your Experian account for a Loan with Four Leaf Federal Credit Union. Loan offer was 8.5%. My Experian credit rating (850 verifiable). I paused Experian block so aforementioned could do a Hard Inquiry. I received a conditional approval pending 2 years Tax Returns, SS payment verification, Pension verification, Asset verificatio, ect. NP, I would have substantiated all income requirements. The rate was changed to 18% with a tier credit score after they did a Hard Inquiry which is derogatory on your Credit file. My response to there offer was 'When Hell Freezes Over'. Just a warning here Friends read more

Horrible credit union. You are told 15 different things every time you speak to someone different. No one knows what they are doing. Avoid at all cost!!!! read more

The Lynbrook office has gone steadily downhill since four leaf has taken over. Tellers and Bank staff state "different policies depending upon the time of the day. Nobody even knows the right policy and I had to school them. When I went in this morning, I was told that I was not allowed to take out interest from CDs. I was told that there would be a penalty and a break fee if I took out interest. That's not the case as I've done it several times before. Then the manager told me there was a $.10 penalty fee. Talking about nickel and diming, . Every time the answer is no no and no when it should be yes or let me see what I can do to help you. I sent out five letters to the heads of the bank. It seems that nobody knows or cares. I can't wait until my business is finished so I can close my accounts at this branch and go somewhere that they care. The manager did listen to me, but basically placated me. Nothing I said, made any difference and it never will. read more

Very disappointing experience with FourLeaf. After approving my home equity line, they mailed the funding checks instead of wiring the funds. Even though I didn't receive the checks until several days later, they started accruing interest from the date they claimed the funds were "released." When I questioned this, the representative gave a scripted reply with no flexibility or sense of fairness. Essentially telling me I'd have to pay interest for days when I had no access to my own funds. This kind of treatment says a lot about how the company values its customers. I would strongly advise anyone considering them to think twice and explore lenders who actually prioritize transparency and customer service. read more

Horrible experience getting a refinance completed. Four Leaf is not the wonderful standard of BFCU. They are inconsistent and inept, terrible at communication, make you jump hurdles to figure things out and seem quite UN-invested in customer service. Trying to find out closing costs from them was like a walk in a 100-mile corn field! read more

Been a member since the previous name. Needed to do a wire transfer, it took me the entire day and 1 trip to the bank. Never again. 2 stars not 1 because they have a coin machine read more

I spent quite a bit of this morning on the phone, and had a couple of call backs this afternoon, and thankfully FourLeaf reversed their decision against me and will not be taking the funds out of my account. Praise God!! They saw that the activity in my account truly was fraudulent. I am very grateful for the employees I dealt with today, that went above and beyond to help me through this situation. I wasn't expecting much help, but instead got way better service than I thought I would!! read more

This place does not work with other banks when there is a dispute and there has been clear breach from their members. I believe there is unethical and unlawful practices happening here. Do not use them, Do not bank with them and hope you never have to engage with them. read more

"This was not a simple name change; they are major the underlying heloc software internally which is causing major disruptions, changes to the app, subtractions from customers' online experience/abilities electronically via website or app" - per the branch manager To me as a lawyer, it means they're supremely close to fraudulently misleading their legacy customers. The "new" fourleaf is terrible as compared to "bethpage". "No more electronic transfers to other institutions permitted... can only use paper checks unfortunately", said the equally confused branch MANAGER. read more

If there was a zero start that's what I would have chosen this bank has been the worst since it changed to four leaf. Customer service is rude in Branch services road. It is just horrible. read more

Worst customer service experience I've ever had and FourLeaf keeps fraudulently charging me a penny after my auto payment that they control the amount of and then claiming I underpaid a penny and reporting me to credit unions and sending me threatening letters. This has gone on for over 5 to 6 months now no matter how many times I call and try to fix it or no matter who I talk to that claims it's fixed. The people you deal with also are absolutely bottom level. Don't care type bureaucrats who have no interest in really helping you and will actually transfer you mid sentence or hang up on you. They are actually that rude. I'm going to later list a couple of them with their ID numbers just so people don't think I'm making it up. read more

Since they changed from Bethpage Federal Credit Union to Fourleaf Federal Credit Union. It's been nothing but a headache. I took out a HELOC loan and when I try to pay off the backend of the loan the website won't allow me to do it. I have to call and go through 25 minutes of automated responses to get to anyone. The bank account and the mortgage department are now 2 separate entities. The left hand doesn't know what the right hand is doing. It's a complete mess over there. And every time I call I get the same song and dance "we're sorry we're working on it!" This has been going on ever since they changed their name! My suggestion if you need good service go somewhere else. Call (855) 411-2372 and register your complaint consumerfinance.gov read more

Christian Ramos is always very helpful and always solved any needs I had! Excellent customer service!

BEWARE, ESCROW ANALYSIS and Insufficient funds. For a lot of us who were formally from Bethpage, after the transfer to fourleaf, they made an extra payment towards my "property taxes" soon after the transfer in July. The thing is, Taxes get charged April and Oct. I already paid April but they charged me in July and now informed me that it was a mistaken payment... My payments wouldve went up a couple of hundred dollars and they kept ignoring my clear logic around why my escrow balance should not be insufficient because I've actually been paying extra to offset and low escrow balance issues. The rep tried to make me feel like I didn't understand the issue when I own several pieces of real estate, am in real estate and understand how mortgages work well... I made a spreadsheet and clearly showed evidence there was money missing. I even asked for my escrow history report and they said they'd get it to me by the following monday, Monday came, nothing. I called back, they said Bethpage is slow so call back at the latest on the 25th which was over a week later.. Called back, they still don't have it. Honestly, I might report this to the FTC or CFPB if this is a common occurance. read more

I have a Fourleaf account. I tried to make a transfer from savings to Heloc account. But there is no way to do this on the website. When I asked by chat, they said I need to get info about Savings from different dept and need to call separate phone#. They put me on hold forever. Both accounts are in Fourleaf, but I have to talk to 2 different depts. Keep tossing around for nothing. Why can't I make a simple transfer in 1 page. And can't find how long for this process. So frustrating. read more

I wish I could give them negative ratings. I am locked out of my account and can't retrieve my user name or password with my current loan number. Why did Bethpage do this to their customers? This bank is actually Worst than MCU . Paying a payment for my heloc has been a headache since they transitioned. I do not recommend. Look at all of these reviews.. read more

Primitive bank - manual and paper based like the 1980's. Cannot transfer fund from HELOC electronically, only by going to branch and even then it's a multi-day process or by paper check (which was never sent to me). Furthermore the app and website lost all my transaction history. read more

Worse customer service ever. You wait 2 hrs to talk to someone then they disconnect your call. I was trying to reach for last 3 days. They have no clue for anything. Useless people's are handing this bank. Be careful with this bank now. read more

This new branch four leaf is horrible I never had this many concerns until they took over. i would not refer this bank to no one take your money out there's no benefits and the workers are not properly informed or trained. read more

If you have a HELOC, they require an act of God to get your own money. You can link outside bank accounts to pay the loan, but not to transfer the money out. Everything requires either a trip to the branch or a call to customer service, and their customer service sucks. read more

Absolutely terrible customer service. Endless prompts that do not understand English, then asks you to press the corresponding # for the exact item just spoken. Was transferred to the Credit department which was wrong and again transferred to another rep in the Debit card dept. Then was told they couldn't do anything for me and said I had to call Member Services, which is where I started. I started all over and finally got to a customer service rep (that I couldn't understand) after 10 minutes of prompts who told me I couldn't report fraud after 7:00 p.m. at night. Their hours are 7:30 a.m to 7:00 p.m.! How ridiculous is that? I am closing my account as soon as this is resolved. I had 3 transactions made by someone in Miami that I did not recognize. They actually said, "oh that's too bad." Not a lot of money thank God, but still it's my money. I have used Jovia for 30 years and never had a problem like this. I am floored by the lack of urgency and the endless time it took to get to a real person. This is completely unacceptable for a financial institution that is supposed to protect your money and assets. I strongly urge you to consider a different credit union. This one's not worth the hassle or the worry about keeping your money safe. read more

This used to be a good credit union. But I can no longer give them a good review. They recently changed their mortgage provider and it is impossible to work with; you can't reach a human being on the phone. Their new mortgage web page has no useful information and doesn't show the payments you made, For their regular web site, you can't download your scheduled bill payments. Their savings rates are an embarrassment. When I use the chat, all I get is "Sorry for the inconvenience". Moving to another credit union now. read more

Ever since Bethpage was taken over by Four Leaf I now hate this bank. Continuous problems and there's never anyone that helps you. Don't get a mortgage here, they farmed it out to some place that handles the mortgage and it's impossible to get assistance because they just refer you back and forth. Absolute nightmare read more

This credit union is terrible. Service has always been bad but they always had pretty good deposit rates. That has changed since the rebrand and terrible advertising (money like a woman???). Stay away!!! read more

Don't know what happened in the last 6 years but downhill is an understatement. I will be closing my account. A hacker was able to make a charge for more money than I even had in my checking/savings combined. The charge was initially declined, then the hacker tried again and it went through. How the hell was this even allowed? It's clearly time for a new bank, goodbye Edit: Wow, lying in your reply? Seriously? That's my call log with Bethpage in the screenshot, and they only replied to my email after I made it clear in my other review they didnt respond to it after 2 weeks. There were no attempts to call me, not even from a different Bethpage number, your reply to my email was the same thing you said in this reply which is, again, a lie. This new management or whatever happened here is clearly a joke and they are driving away longstanding members. I never really had use for this account after college because I gained access to better ones but I kept it out of brand loyalty. That's really all Bethpage had to offer and now even that's gone. Good luck with these business practices... read more

FourLeaf Federal Credit Union - Bethpage's number is literally saved in my phone because this has been my bank for years. The last call was December 30th - Banks & Credit Unions Near Me - Bethpage, New York

Bad experience with HELOC. My loan closed July 7th and I was told I would have access to funds 4 days afterwards. That was a lie. I didnt get it until almost a week after funding. Then I was told checks would be mailed for the remainder of the heloc. I am still waiting on those. I attempted to set up online autopay with these people and was told that my loan number changed, so I had mto wait until I received mail for the new loan number. I noticed a fax number was on the auto pay paperwork. I attempted to fax the auto pay paperwork to their office. Their fax number on the paperwork is invalid. So I called them and was told I didnt need the loan number, I needed my savings account number to set up auto pay. So now I am waiting for them to mail me my savings account number to pay these guys. They do not make it easy for any transactions. Stay away. read more

Their online services for my HELOC are awful. I've waited over 30 minutes on two different occasions to talk to a representative. I just gave up both times. Transferring money in and out is cumbersome and often times doesn't even work as it should. Payments are not processed as they should be and/or in a timely fashion. Correspondence in general is awful to try to get to the bottom of the issues. I had such high hopes for them and now it's turned out to be a bad decision to use their services. Proceed with caution. read more

I'm not sure what changed since Four Leaf took over Bethpage, but I've definitely noticed a shift -- and not in a good way. Every time I visit a local branch (Lynbrook or the one on Dutch Broadway), the clerks never seem happy or welcoming. I don't know if it's due to new restrictions or micromanagement, but the atmosphere is cold and uninviting. As a small business owner running a 24/7 operation, the limited customer service hours (Monday-Friday, 7 AM-7 PM) make it extremely difficult to get support when it's most critical. Tonight, my account is on hold due to a Zelle issue, and because there's no after-hours help, my drivers may lose business if customers don't have cash, a debit/credit card, or Cash App. For a financial institution that claims to support the community, especially small businesses, you've got to do better. Real support doesn't shut down at 7 PM. read more

Bad choice to change name, Wasting money and poor service. Growing to fast fast. Telephone banking doesn't work and reps are spread out and are not knowgeable with polices. read more

My experience with Four Leaf had been horrible and I wrote a very negative, albeit accurate review yesterday (8-19-25) of my experience. after the review I received an email from them saying they would reach out to me. Today Ivonne Rodriguez called. she was fantastic and walked me through setting up auto pay, which the gentleman (Kent) that I talked to yesterday (after being on hold forever) was simply incompetent and had no idea how to do it. Fair is fair. the same way I wrote the previous negative review, I felt I should also write this review to commend whoever hired Ivonne. She is the type of customer service professional that is well prepared, friendly and gets things done. Were it not for her, I'd be looking to bank somewhere else, but I'm now willing to give them the benefit of the doubt and continue to bank with them. Thanks Ivonne! read more

FourLeaf Federal Credit Union made Home Equity lines really inconvenient for their customers! This time I am writing about the issues making principal payments to the HELOC. The payment platform they use do not allow an option to make principal only payments even when you have made the interest payment. I have to call into the new servicer to have this done. This is another huge inconvenience for the customer. To fix this issue, FLFCU needs to move all HELOCs back to their original servicer and allow the original features of the app and online platform. I wrote a review 7 days ago regarding the following issues with the HELOC. Customers with home equity lines can only access that money through checks. Money cannot be transferred through the app or through any other source. This is extremely inconvenient for customers! Previously, customers could transfer money within the app to other accounts with FourLeaf 24/7. This is the ideal way for customers to be able to use their home equity lines because it allows us access to our money when we need it, 24/7, and within minutes! In addition, it allowed customers to deposit money into the home equity line more easily for payments. To fix this problem, FourLeaf needs to reinstate the ability to transfer funds from the home equity line to all accounts with FourLeaf and allow direct deposits into the home equity line within the app. It is understood that companies make mistakes; however, it is how they handle those mistakes that matter. FourLeaf needs to fix this immediately to show they pay attention and are here for the convenience of their customers. read more

The problem with this place is everything takes so much time. Even the simplest of tasks. It's like banking in the late 1970s-1990. The people working are nice enough. Very antiquated and since the name change to four leaf (from bethpage fcu), they seem to have gotten worse. It's frustrating to do anything at this credit union. read more

If you're considering a Home Equity loan, run, don't walk away from 4 Leaf CU. This is my 3rd equity loan (2 with former Bethpage CU) over a 30 year period. Bethpage was easy to use, terrific customer service and you could transact banking business from one screen. 4 Leaf is exactly the opposite. They have made mistakes during the initial setup and only corrected the problems after repeated phone calls (5 or 6 to be exact). It's sad when an incredible institution that has been operating for over 60 years is trashed in under 1 year. read more

Unfortunately, this once decent institution is no longer decent. I've been a member for over 20 years, watched it grow, now seeing it sink to nothing. t I've seen the collapse of decent customer service when it was farmed out to the Baltimore, Maryland area. A few weeks ago, I saw that Bethpage was down for a few hours. When I used my phone to do a transaction, there was an issue...so I went to my local branch. The parking lot was almost full, and there was an employee at the door of the bank. He was there to tell everybody that Bethpage has had an issue and is down. He had no idea of when it would be back up. I listened to people tell stories about how they needed cash or how they needed to deposit something. What I don't understand is that there was no email from the head of BFCU, Linda Armyn, to all of the Bethpage members, regarding what happened. There was no email that said, sorry we made a mistake. There was no email that said yes we had a problem and now we're looking for ways so it won't happen again. I sent an email to Ms. Armyn and received no response. What was once my trusted little Credit Union has now turned into a place that doesn't care about their customer service and doesn't care about whether or not anybody had problems when the system was down. You've become just another bank without a heart. How far you have sunk. Sad. read more

There very quick to help you at the desk area and they are up to date on all there promotions and they did. It have me waiting to open my accounts. read more

FourLeaf Federal Credit Union - The main office - Banks & Credit Unions Near Me - Bethpage, New York