Hudson Heritage Federal Credit Union in Pine Bush, NY

The sign on the side of the building suggests this is a financial institution. But I've never walked into a bank that would not accept cash. I walked in with a $10 bill and requested change. I was told that if I didn't have an account I couldn't get change for a $10 because they have to enter it into their system. Silly!!! The car wash across the street (obviously a more capable financial institution) was able to handle this complex transaction. No account necessary.

I wanted to choose Zero stars, but that's wasn't an option! Do not use this Financial institution, Here's two scenarios to explain why: My parents have had multiple issues using this CU even as members. Last year they had my sis's wedding in Italy and informed the CU that they would be travelling overseas and not to be alarmed if there card is used in Italy. When they got to Italy and used their card, the CU blocked them from using their accounts. And they had no way of paying for things for the wedding or travel. A huge headache for the whole family. And they did nothing to compensate for it. But unfortunately my parents kept the account. This year, I wrote my parents a whopping check from my California acct and the CU bounced it saying my account is closed, when it is most definitely open and active and has more than enough funds to cover the check amount. Then they gave my parents the incorrect telephone number to give to me thinking we wouldnt just look online to get the right one. It seems like the people who work for this CU are lazy and love making problems for other people, and think they can get away with it. Ive had to chase them to get anything taken care of and they are completely impossible. Choose some other place if you can, I wouldnt trust them and will definitely be taking our funds elsewhere.

My debit card was compromised. This caused my checking account to be overdrawn. The explanation of "pending" vs "posted" was confusing. I could not take cash out of my account for 2 days. However, the branch manager, Raquel Martinez, was helpful and had all fraudulent charges and service fees reversed within 5 minutes of making a phone call to the appropriate personnel. I believe in local banking, and this experience has strengthened that belief.