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Businiess name:
Shell Employee's Federal Credit Union
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Review by:
citysearch c.
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Review content:
This bank is horrible. Really, this negative review is my fault. I had the crazy optimism that a Co Op Credit union was different then other banking institutions. I thought that severally excessive fees to the point that I would have to go without food would never occur. I have excellent A+ credit. I have never had the problem I encountered at the bank I was currently at. I switch banks when I relocated from IL to Houston, TX. My bank was great. It was amazing but it wasn't local.
I am so angry- I can't even go into detail without it wrecking the rest of my day. The person who wrote the positive review works at the bank-for sure.
Their horrible banking and customer service cause me to default on my account for a very short period of time (3 hours). Most banks wouldn't have even have caught such a small error on the weekend. They were SUPPOSED to decline my card when the available balance was less than the purchase amount (because I DECLINED to op-in as required by federal law) but this is no what they did. Instead they charged me real time-friendly 29.00 fees (federal limit). I made several small purchases. They ending up charging me over 200 in fees for 30 dollars in over drafts. The over draft fees continued to bring my balance more and more negative so that even though I immediately put more money in i was still negative. I went to two branch locations looking for ATMs (no atms), I checked online to check where the nearest ATM was, which ATMs were supported. Couldn't find anything. Couldn't find anything on their website for their fee schedule!! I asked them when I got the account which ATMs were supported and the girl mumbled something (didn't say anything) and then I forgot to clarify with her.
They don't have electronic check deposit, so I couldn't deposit any checks.
Not only that, they NEVER sent me my debit card. They also didn't tell me about all the fees (which I wasn't expecting from a credit union).
I agree with everyone else's review.
DON'T BANK HERE.
They call it ""un-banking"" but its a SCAM.
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