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    Territorial Savings

    5.0 (1 review)
    Open 8:30 am - 6:00 pm
    Updated 2 weeks ago

    Services - Territorial Savings

    Personal banking

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    1 year ago

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    Hawaii Community Federal Credit Union - With Branches in Hilo, Honokaa, Kailua, Kealakekua, Kaloko, and Kohala

    Hawaii Community Federal Credit Union

    (10 reviews)

    I can't begin to say how terrible this bank is. Good lord where do I begin…read more.. First thing, and just annoying really is how many checks we've deposited that were sent back for very small things requiring us to come in and redo them. Can't send wires. seriously?! Limit your zelle transaction amount, but won't tell you what the limit is. Couldn't set up billpay online. Literally had to go in to the branch. Here is where it gets really good... Couldn't get the correct numbers for checks, customer support literally told me the wrong numbers. Fortunately I got heloc checks. Wrote 2 checks from heloc, but the minimum amount ($1k each) wasn't reached. My bad. They called and told me. I asked if they could push them through because they were for property taxes and vehicle registration and it would save me a huge headache. They said no, which cost me in penalties from them and the other parties. Mortgage bank then needed proof of payment for property taxes which was such a hassle not to mention having to go in branch and get cashiers checks and then pay the other parties in person. So I knew I would get a fee from this bank so the next day I transferred funds to the heloc to cover it ($40) and it said $36 went to interest and $4 to the balance. wth? what interest? So I went in the next day to inquire, they assured me it was an error on their end, so I asked them to take care of it because I was leaving for a trip. When I returned from my 3 week trip, I found 3 notices from them. Week 1, past due notice. Week 2 past due notice. Week 3 collections notice. They literally sent me to collections and notified the credit agencies and I got hit with a 120 point credit rating decrease. I was livid. I went in and spoke with the bank manager (2nd time already) and it turns out that when we opened our heloc, the automatically moved $25k to our checking. I moved it back the first moment I could. Unbeknownst to me, there was a $36 interest charge...THAT NEVER SHOWED ON MY BALANCE FOR 2 YEARS until I went to pay the returned check penalty then it took it for the interest that was never there before and sent me to collections. You can't make this up. Fortunately, I got the bank manager to write a letter to the credit agencies and they reversed the ding, but still. I probably spent 24 hours in that bank just dealing with issues. Honestly, I could write pages more about our experience, but I really don't want to waste any more of my time with them. Let me leave it at this. I will be closing my account, my wife wants her account closed, both my kids accounts, my heloc, and our safe deposit box. I'm so done. And to think I wanted my money in a community credit union that really doesn't care about the community at all.

    Once again dealing with this branch has proven to be THE BEST Craig the manager and Nora in auto…read moreloans did nothing less then 100% customer service!! Anyone looking to deal with a branch that will take care of you personally then look no further. Thank you team for another great day!!

    Territorial Savings - banks - Updated July 2026

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