Awful experience. I went on an odyssey with these folks. I went to open an account with them for a Queen's school club, as the powers-that-be (the SGPS) that had been previously holding our funds wanted to make its clubs more independant. I made about four trips total with various documentation. Each time I was told something different was missing from my documents, or something that I was told I didn't need was in fact something I DID need, etc. Not a huge deal, if there's really something that they legally require that I didn't have--frustrating that there didn't seem to be any kind of consensus between workers, but not the reason for the one star. On my third trip I had finally had everything they needed to open an account--seemingly. The worker needed to call someone to ask if I needed to have someone already AT the union vouch for me, basically (again, this was my third time in, nobody had ever told me of this requirement--you'd think they would, since if I didn't HAVE that, it'd make all of this running around a huge waste of time). They said they'd call me once they'd reviewed everything and let me know. Two weeks pass. I went in to see what was up. I was informed smilingly that my documents had been shredded ages ago because they'd heard that the SGPS, which had sent me off to find independent banking, had changed their mind and wanted our club's account back! I hadn't heard anything about this, from the SGPS or the Credit Union, nor did they apparently think I might want a CHOICE in where my club's funds went. They just assumed we'd been informed--I hadn't. So I tracked back to the SGPS and was informed that this was not the case (politely, though horrified that the Credit Union was making such claims). Which was sort of humiliating and a total waste of time. By this point I had completely had it with the Credit Union and ended up going to the Limestone Credit Union instead--and guess what? In less than an hour I had an account. I'm not sure if they were lying to get me off their backs (my account was only around 600 dollars) though I think it's more likely that they were dealing with some other organization at Queen's and assumed mine fell under that umbrella. Still no excuse not to dismiss us so rudely and carelessly without so much as a token phone call--they made so many assumptions without once getting in contact with me, I can't imagine leaving my money in their care and having to deal the wildly different expectations of the workers every time I needed to change something. Go to the Limestone Credit Union instead. Every interaction I've had with them has been friendly, helpful, swift, and diligent. read more