Legacy Community Federal Credit Union in Birmingham, AL

1) Very slow in processing any transaction 2) Based on the attitudes exhibited when calling the headquarters to make inquiries, it would be easy to believe that this was a government organization employing the stereotypical civil servant. They act like they are the ones being served and that I am altogether too much trouble. 3) Today, after having an account with them for FIVE years, they tell me that there are "locks" on my account. On inquiry, I am told that there have been "notes" on my account since 2010 that they need my articles of incorporation. When I asked why they have never asked for these before. They said the teller has probably just over-ridden them each time. I inquired again about the necessity of "Articles of Incorporation", stating that I know of know banking requirements. They explained that the credit union requires it. I asked "Why"? The woman told me it is to verify what kind of business I have. I indicated that I could not imagine why they would need to know what kind of business I have, but if they really needed to know, why they didn't just look it up on the Secretary of State's website where it is registered publicly. She said she didn't know, but she still would not take my deposit. I'm looking forward to closing my accounts as soon as outstanding checks clear. 4) Just want to reiterate---I've only had to call customer service about 4 times, but each time is sheer misery!!! 5) And fortunately, there are other institutions close by.

I rated the bank good because I do like their overall service. However, when a hold has been placed on your account over the weekend, it is a shame that you cannot get any service. If an emergency arise, you are completely screwed. For this reason, I am seriously considering changing banks.

Very awesome credit union. Anyone in or near Birmingham should join. They care about their members and are big supporters of UAB athletics and a very generous company. I would highly recommend them to anyone with lending needs. Their staff will work with you to assist you in anyway they can.

Love that they give me back my ATM fees without even having to turn in receipts. Love that my checking account earns an amazing interest rate. They have great loan rates and easy to use credit cards. As far as the bad reviews on here, I would caution you to check the grammar of the people writing them. I have a hard time trusting reviews from people who make 3 or more grammar mistakes in a review.

I love this credit union because they are customer owned, not owned by the greedy federal government.