Over the weekend they did maintenance on the app and messed up my banking by linking a different…read moreaccount (not mine) to my account and labeled it primary savings. I made a transfer from my checkings to my savings, and it disappeared. I called the next morning and they stated that I had to track down the account to request a refund since I was the one who authorized the transfer. But of course I did because I thought I was transferring to MY savings, not someone else's. After a frustrating phone call, no call back from the manager, no apology, I called back and finally spoke with someone helpful. Turns out they somehow linked my sister's account to mine. Thankfully, the money wasn't lost but the fact that this even happened is outrageous and then for them to act as though they weren't at fault was inhumane. Leave before they screw you over too.

My Mother who has never ever done internet or over the phone banking found out yesterday her…read moreaccount had a 5k withdrawal, shortly thereafter another 5K withdrawal just after that 4k withdrawal--all done within a a short time. Don't you think since this has NEVER been done before (suddenly $14,000 taken out 3 withdrawals in a short time) they would be contacted immediately??? Of course not -- too much work!! When Mother found out (because she just made deposit and saw withdrawals on her receipt) --contacted KCU -- all she was told is the manager is investigating the matter. HELLO???? How hard and how long would it take ESPECIALLY when it was made plain to the operator that mom spoke to--IT WAS FRAUD!! Manager was supposed to call and update a very nervous customer before the weekend. Well 5:00 must have rolled around so Manager had a choice call My Mom, or forget about her and go home--Of course she choose to ignore her stressed out customer rather than take 1 minute out of her valuable time!! :( The so called "Manager" went home to enjoy the weekend--Time for mom and any wise customers to take her money out of that incompetent bank!!!

This goes out to anybody that banks as Sheboygan area credit union. Don't do it it's always the…read moretime the customer service sucks and they don't care about you. Nobody answers the phone when a customer tries to call there a left on hold. And if you're lucky somebody doesn't answer and they make you go through their voicemail options that's not a bank that's a credit union and they don't care about you they want your money.

The only star I would give this bank is for their loan opportunity. They have good rates and are…read morereasonable. Everything else? 0. Their customer service is HORRIBLE. 1/10 times will not answer the phone. Their app is slow and does NOT update correctly. you can go negative .01$ and get charged 30$!!!! It happens every damn time. I do not hardly use my debit card and for this exact reason. Horrible and frustrating experience w this bank

Used to be great. Now they usher you past a person if you go inside and force you to use a video…read moreteller. Took me almost 30 min just to do a deposit because you are connecting to a teller in another city. Have had my debit card compromised twice in 2 years and the fraud detection company told me to call them to cancel my debit card. I called both locations in Sheboygan and Manitowoc. No one answered. I was on hold for over an hour and a half waiting. I finally got a reply an hour after trying to call when I sent a snarky email. I'm looking for a new financial institution.

High yielding rates for some of their accounts. Periodically have amazing promotions on loan rates…read moreas well. There are some hoops to jump through to get these, but they are worth the trouble if you can pay attention. Friendly staff. Most transactions take place over a screen to a teller in a remote location. Meeting live is still possible, usually by having to make an appointment.

Pleasant experience, took care of our needs and transferred the information to the new people…read moreinvolved.

My experience is commercially based. Used them for our financing needs for 7 years. There must be…read morea change in leadership because they started to treat us like a number. Customer service low priority. Paid off a Short Term Equipment Acquisition Loan early as we sold the equipment and they charged us $6,000 in pre payment penalties. Taking all of our business elsewhere. Gave them multiple opportunities to make it right for us before taking to social outlets. They expressed no interest in taking care of a good customer (Never a late payment, not one). Business Owners beware. Don't go here. I promise you I will regret it. There are MANY more banks that actually care and work with you like a human and work deals beneficial to all parties. They just want a quick dime and find a new customer.

Clunky website, ancient processing. I've been trying for SIX…read moreMONTHS to close my HSA after I was laid off in January. SIX MONTHS. What's holding it up? Apparently emails to an inbox that don't get checked, an absolute lack of follow-up, and repeated requests to FAX (it's 2023 who still uses a FAX MACHINE to conduct business) forms, which seem to never arrive. If I didn't know better, I'd swear this bank is just losing my account closure requests just to hold onto my balance and collect the $4.50 monthly fee for as long as they can. I've had multiple HSAs better than HSA Bank's.

This organization is HORRIBLE. I purchased eyeglasses in October 2025 and requested a reimbursement…read moresince I paid with my own money. Long story short, they charged my account and it resulted in a negative balance and they closed my account, even AFTER they sent me an email stating they'd close within 60 days; I was well in the window before they closed my account. It's been a nightmare to get this account back open. Inadequate customer service and no one keeps a record of notes.