Horizons Federal Credit Union in Binghamton, NY

I have been with this bank since 2006, I all that time I have only had one problem with the bank. I would recommend Horizon Federal Credit Union to all of my friends and family.

This credit union won't exchange bills for rolled coins, for instance, to do laundry at the laundromat, unless you have an account with them. Sorry, but that alone is reason for me not wanting to open an account with a financial institution. Be a part of the community, including those who are not your customers. It's not like you're losing money on the transaction. M&T Bank, only a few blocks away, was happy to sell me rolls of quarters despite not having an account with them.

As much I would like to support local and credit unions, I urge you to go with a real bank and not to become a member with Horizons. The user interface on their website is outdated. There is no customer service after hours as with a real bank where you have a 24 hour number. You cannot see pending transactions on your online account. Most seriously, they will not protect your funds if you experience fraudulent charges and in fact will charge you and treat you rudely. The customer service is terrible and down right mean spirited.

Whatever's "wrong" is miniscule in comparison to what is right.