Absolutely nothing like a bank. Banks are not interested in the average Joe Schmoh At Horizon's,…read morethe people are very friendly and actually consider you to be a person

From the owner: Horizons Federal Credit Union is a member-owned, Binghamton-based financial institution with…read moreproducts and services to meet all your financial needs.

I have been a member of Visions Federal Credit Union since I was a teenager. I started out with a…read moreteen checking/savings account and have continued to be a member ever since. Besides my checking and savings account I also used Visions to finance a car loan. The car loan rates for members are competitive. The past few years Visions has continued to stay competitive with other credit unions and banks by offering great online and mobile services. I use their mobile app all the time to check my balance and make express deposits. Express deposit makes it so easy to deposit checks with just two pictures on your smartphone! This is a life saver for me since I live out of town but can continue to keep my membership/account with Visions. Most of the ATMs are equipped with a cash deposit option, which is nice because cash deposits are available in your account right away rather than having to wait. This particular branch of Visions is a newer construction and has 4 drive thru ATMS, one ATM in the atrium, and is very nice on the inside with the teller counter and other offices surrounding.

I have been a member with Visions since I was 17 years old (when IBM owned it). Over the years I…read morehave had multiple vehicle loans, personal loans and even a mortgage. All paid back to Visions BEFORE the final due date. One would think that having a relationship with a credit/banking institution for over a 25 year period would count for something...not so much with Visions. They (Visions) continue to use the make believe credit system for all their loans (remember folks, the three credit burrows provided triple A ratings to companys like AIG exactly (1) day before the economic collapse, brought on by the banking industry...AIG was bankrupt. The personal relationship with Visions is make believe...In fact Visions is advertising better rates on loans to non-members...but stick their long term clients (yes clients, Visions forgets they are the vendor and the members are the clients) with higher rates... all in time when Visions is experiencing nearly free money from the Untied States Government. I have reached a point where I just keep the accounts open with Visions due to closing them would hurt my make believe credit score (again folks, there is ZERO over-site on the credit reporting company's.) Steer clear of this terrible customer service company. Find a good local bank...you may pay a bit more in rates, but at least they respect something called loyalty and will work with you.

I was one of the members they bought from Chase, so I have been banking here since they started in…read moreBinghamton. This is the worse bank ever, they steal your money. I had more money than you can imagine in my account... Way-way more than what is coved by federal insurance. My other account was a "slush fund" for my ex-wife, I told them, she is irresponsible with money, I need overdraft protection. This was before official divorce so they ran my name through a credit report and denied me. I said, look, it's clear I have money to cover it, please do something! They are a do nothing but steal your money bank. I had charges illegally on there... They told me until I paid them their over draft fee they were not going to help me What did I do? I took out my gobs of money, what did they do? Tried to kiss my butt is what they attempted to do, which only made me angerier. Here I asked them for legitimate help, to make sure my ex's account didn't incur unnessisary fees, to investigate and stop certain auto payments.... And not until I went in, sat down, and transferred the money into another bank did they care to be nice. Screw this bank! Thieves! Oh, one last note, there was a blond woman who sat in a desk, pretty, she was the rudest and most unhelpful person. I had to go over her head once to get basic service. When I went to the main branch and complained they apologized, but this lady is a power hungry bag! Eventually I think she became a manager of a sort.. So they rewarded her! She should have been fired.

Solid bank. Good amount of locations in the Greater Binghamton area…read more Friendly and educated staff. Good rates on personal and business loans.

Wayyyyy too strict!!!! Going through debt settlement and they restricted my card! No access to…read moremy cash

Very disappointed. I was a customer for 7 years. During this time I had numerous issues with…read moreunapproved charges posted to my account. The customer service sucks. It's available on weekdays. If you have a problem on the weekend...well too bad for you.

Service provided by this bank is excellent. At present they allowing customers to enter the lobby…read moreareas with mask wearing even though you might be vaccinated. It is difficult to ask questions about vaccinated or not. Anyway I do my most banking via drive up window which has cameras which allows both parties to see . I decided today to capture today's experience on writing this piece and taking some photos. As a note I read an article in paper that this is One of the best bank in NY state with branches all over !! Just a node to give five star rating... great Job by care taking employees of the bank.

The bank employees are wonderful here! They go above and beyond to make their customers happy.read more

We have always had positive experiences with Paula for advice, home equity loans, and more…read more Citizens Bank is our "Go To" for banks.

Worst bank ever. My credit card got misplaced in Nyc. 3 hours away. I transferred my money to venmo…read morebut I couldn't see how much balance I had because the app never works. How can a banking app never work people need to use that daily to keep track of the money. It charged me a lot of money and I couldn't even disable it because it said use the app. I'm definitely transferring bank after this. I hope people stop using this shitty bank and they go out of business. Never use this bank

I made a deposit with cash which you need to provide a drivers license I did so. The teller then…read moreexplained to me that she would have to do an extra transaction for his account. It was my account and I am a female. She had my drivers license... which also states I am a female and matches the name on the account. I guess customer service is not there forte.

I was a customer of this bank 25+ years. Have a credit line of $12,500 associated with my bank…read moreaccount. I was the payroll clerk of the school districts of Maine Endwell and Deposit in Broome County at Boces in Endicott. During covid I lost my job. If people aren't getting paid, you don't need to pay people to pay them. Just a few partial payments on the M&T credit card until I got a new job and they closed the credit line with a $11,000 balance on it, & jacked my interest up as high as legally possible. Have a 4 year old girl to house and feed. Destroyed me. All lines of credit I had with 0 balances fell like dominoes. My credit rating went from 750 to 550 and even to this day my credit reflects as near 300% usage. Only one left standing Sears, a retail credit card with a line of $5,000. A card I've had 21+ years. Sad I can depend on a citibank retail credit card more than my own bank. Can't believe their slogan is "understanding what's important." Gotta be a joke. My only real mistake is not looking for a personal loan to pay off M&T as of yet and make sure they don't get 2 cents of mine again..