Not my "home" branch since I moved here within the last 5 years but they are very accommodating and…read moreI love some of the ladies at this branch. They are fun to chat with and are absolutely caring and willing to work with people in a happy, positive manner. It's very nice to see. I have never gone in and met anyone without a smile on their face. Great service. Great people. Very fun to chat with during transactions.

I love NFCU with with a passion. How is this possible? Aren't financial institutions things to put…read moreup with, not t love? That's what I used to think. Before I became an NFCU member. Here are the reasons I love it: 1. FREE ATMS anywhere I go. I live in Los Angeles, but never pay ATM fees. Anywhere. Why? NFCU refunds ALL my ATM fees at the end of the month. There ARE three conditions: you have to a) use direct deposit b) log on to your account at least once a month, and c) use your debit card to make purchases at least least 10 times. But these are no burden, and things I do anyway. 2. I EARN INTEREST every month on my checking account. Currently, it's paying APR 2%, but this varies based on prevailing rates. When I first signed up, I was getting 5%. Considering that some banks charge YOU fees for maintaining a checking account, this is awesome. 3. I'm putting my money in a MEMBER-OWNED, NON-PROFIT financial institution, instead of in one of the profit-hogging, fraudulent, "too-big-to-fail" financial behemoths that caused the country's ongoing financial crisis. 4. When I call CUSTOMER SERVICE, I'm immediately talking to someone sitting in an NFCU office in Watertown, and she stays with me until my problem is solved. She doesn't read a script. She doesn't transfer me to additional people. She might put me on hold while she goes to talk to someone else about my problem, but then she comes back, and she solves it. To join the credit union, you have to "live, work, or worship" in Jefferson, Lewis, or St. Lawrence Counties, OR be an immediate family member of someone who is already a member. I grew up in Jefferson county, but didn't join until I moved away. I was able to join since my dad is a member. Once you're a member, it's for life. There are also a full range of other financial services available -- personal loans, etc., which I haven't yet used. But I think their rates on those services are probably unbeatable. Join a credit union! Join any credit union you're eligible for! But if you're eligible for NFCU, no matter where you live, you're absolutely crazy not to join.

From the owner: Northern Credit Union is a Northern New York-based credit union nonprofit financial institution…read morefocused on making our members' lives and their community better. Bank with our local Northern Credit Union in Watertown, NY at 120 Factory Street, Watertown, NY 13601. Contact us to learn how we can help your finances.

Awful experience. I went on an odyssey with these folks…read more 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.

I can't say enough nice things about this bank's branch manager Scott. I had a hacker get access to…read moremy debit card and they stole $2000 out of my account through PayPal. I went in and talked to Scott and he actually cared unlike the Carthage branch workers. He took time to open up a new account for me and tried to get me a line of credit while my money in my account was tied up. He put thru to the fraud department a 48 hour hardship so I got my money back in around 3 days. Scott really went above and beyond to try to help me, the little guy. I will forever be grateful as I was very upset and stressed cause I had no other money to live on while the fraud team investigated.

Great location. It was recently renovated and it looks so much modern. They upgraded their ATM…read morealso. Staff are very professional and the financial advisers I have deal with are very knowledgeable as well. Free parking on site.

Excellent customer service and friendly tellers. Close proximity to the square as well…read more I had a couple questions about my account, and they answered me very efficiently, and made sure I understood everything.

From the owner: Carthage Savings, located in Watertown, NY, has been serving the Northern New York area for more…read morethan 127 years. We are a "mutual" association, meaning we are responsible to our customers rather than stockholders, and tailor our banking and loan services to meet our customers' needs. Our Certificates of Deposit and Individual Retirement accounts offer easy and risk-free ways for you to invest and save, and our home mortgages, seasonal mortgages, and VA mortgages can make your home-owning dreams a reality. In a quest to make our customers' lives even easier, we also offer online and mobile banking, and you can even open an account or apply for a loan online.

I needed to withdraw some cash. As luck would have it, while at Quinte Mall, I spotted this…read moreScotiabank, which is what I needed. It is a full-service branch. However, seeing that I was there on a Sunday, the branch was closed. Don't fret, though. The ABMs were available. There are two entrances. The branch entrance in the mall was closed. The other door by the main mall entrance was available, which leads you to the ABMs. There are at least four ABMs. I didn't look closely to my right, as there was a couple standing there. Anyways, I had no problem withdrawing cash and was good to go. The ABM side was clean. If you are depositing a cheque or cash, you still need an envelope to complete your transaction at any ABM here. (312)