Advancial in Plano, TX

This credit union is not open to the general public. Only to Dell employees.

I have been a very long term customer of Advancial Credit Union, since at least 1992. Seems that within the last year many policies have been changed to extract more fees. Looking a lot more like a bank than a member owned institution. Beware using their Advancial App for Android to make check deposits by taking images of your checks. Even though the images are clear and legible on your phone they are always rejected by their processing back-end. Also if you make deposits after 3pm CST they will not occur until the next day. Additionally, If you deposit money over the weekend don't expect the deposits to occur before they process your outgoing payments on Monday. Your withdrawals will occur immediately but your deposit won't occur until after 11:30am. This is the crux of why I'm writing this review. Since the check did not clear, a draft of $10.37 cause a fee to be charged to cover it. Once the account was negative and the check was not deposited it was then a cascade of every pending transaction to trigger a fee of $27.50. After 6 pending transactions worth $58, the fees were $175 on $58. Time for me and my 7 accounts to move along.