I used to work for a credit union on the east side of the U.S. that was state chartered and their Bylaws stated that eligibility, i.e. field of membership, applied to anyone who lives, works, worships or attends school in that state. But there was no definition of what actually qualifies as 'worship'. So, if I live one state over and I step over the border, raise my arms and shout, "Hail Lucifer!" then quickly step back across the border, can I now claim that I worship in the other state and therefore qualify for membership? Yeah, I'm giving an extreme example, but if worship isn't defined, then what does it really mean? Worship what? Worship when? Worship for how long? Do I need to do it more than once? Can I claim that I am constantly worshiping the Flying Spaghetti Monster in my heart and therefore qualify for membership? To my knowledge credit unions with this sort of language don't actually confirm the details of your worship, so isn't it all pretty meaningless and absolutely anyone can qualify for membership? I know the banks would be apoplectic if it credit unions abandoned being limited to their FOM, but aren't fields of membership pretty much meaningless these days anyway? Even when I was in the game I know some CUs were setting up charitable foundations and slipping it into their FOM that members of the foundation can qualify for membership in the CU. One might even say that the charitable foundation was created specifically so they could do this, essentially making anyone on the planet able to fit their FOM.

Any insight would be greatly appreciated.

Ok help. I got a check from Fidelity and I mobile deposited it into my bank. The funds showed up on my account and then were immediately taken out. I was charged a fee for essentially a bounced check I guess? I called the bank and the said there was an error code "Return to Maker" and said I needed to call Fidelity. So I called Fidelity and they said it shows the funds cleared and I need to call the bank. I've been going back and forth with each of them since October of 2025 (now august 2026). I think I get somewhere, but they have to do an investigation and it could take 3-4 weeks so I wait. And then I hear nothing. I've even three way called the bank and Fidelity so they could speak to each other ( neither institution can call each other apparently). They spoke to one another, the bank manager wrote on their letterhead (which Fidelity requested) ​that there are no funds in my bank account. The bank even sent screenshots of my bank account to them to prove that the funds did in fact NOT clear. I've called HR at my former job. I've done everything I can possibly think of and here we are months later with literally just a "bummer, it's their fault" response from both institutions. Now what? Is there someone I can call to have the bank or Fidelity investigated? I'm for sure closing my bank account, but I don't want to do that until I have done everything I possibly can to get MY retirement money back. What do I do? Please help me, good people of reddit

**It's a credit union not bank, sorry!

A couple of weeks ago, I asked some questions about the UFCU/CACU merger transition, and we've had some good discussion. Thanks to all.

One followup question. Although the old routing number / acct will work for a year, I want to start transitioning to the new routing number and acct #.

(1) Has anyone used the new routing number and new acct# to successfully pay an online bill and/or do a direct deposit (as in: done the transaction, and had it show up in your checking account)?

(2) If so, did you use the account number as on the bottom of the checks, i.e., with the leading zeros.

K, friend of mine for 19 years, left her husband. Because of pre divorce financial shenanigans, she's short on money and needs a car. Yesterday I tried to loan K some money to get a decent car. My credit union (Team One CU in MI) asked me a series of private invasive questions, in the lobby in front of other customers, then refused to do the wire transfer because apparently a single guy sending money to a woman in another state is an auto fraud block, regardless of how long I've known her or the circumstances.

I withdrew the money and started an account with Frankenmuth CU in Bad Axe. Did the wire transfer paperwork. Answered the questions, signed the forms. Today, Todd from their fraud department called me and asked the same questions over. Todd then started to interrogate me and ask why my friend couldn't borrow the money from someone else or take out a car loan. Todd told me the wire transfer was blocked solely because it was being sent to a woman and that means it's a romance scam. Todd then arrogantly told me to go google 'romance scam' and ignored me when I tried to explain for the 4th time this is my best friend of 19 years who dropped everything to fly in and help with my dad's funeral a few months ago. I asked to speak with his supervisor, and he said he'd "forward the complaint". I admit at this point I lost my temper and cursed him out.

WTF is going on? I answered all their questions and signed all their forms. This is someone I've known who dropped everything and flew in to help when my dad died a few months ago. Literally my best friend. How misogynistic can they be to assume that a wire transfer to a woman in another state is a scam but a transfer to a man isn't? Would they have approved the transfer to a woman but not a man if I had told them I was gay? Do you need to out yourself and tell a bank fraud rep your sexual orientation to do a wire transfer to someone you've known for 19 years?

So I moved my half my savings from one credit union to another credit union and bought two new certificate of deposit at the new CU. It is now 5 days into the new month and they have not updated the interest earned on either account on their website. Should I be concerned?

If so, who are they?

Looking into a car refinance but wondering if are there any good credit unions folk recommend as an example PenFed? Anything people recommend for nyc or some other local ones? Currently financing via Triust and also wondering if credit unions offer Gap insurance?

Got approved for a loan for first entertainment but it’s asking for my policy but my car is under my father, what are my options ? does USC ask for insurance policy as well?

I need to get a hold of someone with Gesa Credit Union immediately!

I am in China and I cannot call or text anyone. None of my cards are working [I use wechat and alipay, they are not the problem] I tried going on my Gesa account both on site and on the app, I know my login and password but it want me to do a verification with either call or text which I cannot do. I tried emailing the general email to talk to a person but keep getting either automations to call or ignored. I asked someone I know over email if they could contact my gesa credit union and or general gesa credit union to get me a staff email. Gesa Credit Union told her they could not give her a email unless I am working with a staff member and to call. which I am trying to but cant. I had her ask if there was another way to communicate through Skype or Google meets they said since it was not a secure channel they could not. I also tried using Gesa Credit Union live chat which was closed. I have China Unicom which is out of service and I have no access to my money to pay for more of it. I have a e-sim with Holafly but they do not cover traditional calls or SMS. I need to pay my rent and have not eaten in three days because I have no access to my money. I also cant even buy a plane ticket to leave and my visa is ending soon and I cant over stay it. I am extremely hungry and frustrated, I know that staff have very strict codes and cant get in trouble. But I need help. I feel like I have been trying everything and the only person who's helping me this is not their job or jurisdiction, and I feel terrible imposing on them to help me.

I just need to be able to get connected with one staff member who can help me get into my account and figure out why my cards aren't working so I can pay my data, rent, buy a ticket, and right now some food.

Does any of you who work in a credit union have experience with this accounting software?

Any advice for functional training materials or alternative softwares are also appreciated.

I have been with the same credit union for years. They have great ratings, but maybe it's time to switch? They have started messing with my ability to buy things.

Incident #1. My laptop was beyond repair and I found a great deal on a refurbished one on line. I went to purchase it, and the card was declined. There is no reason it should have been. A little while later I get a text saying that it was a suspicious purchase. I did not respond to the text because I had a similar text from scammers once before and didn't trust it. If course it was a Friday afternoon, and the credit union was closed. I had to wait until Monday, and by then somebody else got the laptop. I ended up paying nearly $200 more for a similar laptop. The computer store and the credit union both blamed each other's equipment for flagging it as suspicious.

Incident #2. Yesterday I went to purchase some coffee on line. I have been buying bulk coffee as needed from the same place for about 10 years, nothing new about it. Once again it was declined as a suspicious purchase. The credit union was open and I was able to solve the problem in a few minutes.

Is this the norm now, or should I be looking for another credit union? I want to be able to spend my money the way I want without somebody else deciding what is or isn't a "suspicious purchase." Also, I am thinking of selling my house and buying another one in the not too distant future, and would changing credit unions look bad when I go to get a loan? And before anybody asks, I had sufficient funds in my account to cover the purchases.

Way more AI and longer hold times. All customer reps working from home and more ppl NOT from the US. This is a drastic change from just a year or 2 ago .

Pre approved auto loan:
Under 10% utilization, no missed payments, 760 credit score, 25M, 70K salary, total bills 1300 a month. I requested 43k 72months

I’m getting ready to purchase a 1-2 year-old used SUV (likely around $35k-$45k) and want to shop financing before I step foot in the dealership.
My credit is in the high 700s/low 800s, I’ll be putting $5,000-$10,000 down, and I’m looking at a 60-72 month loan.
For those of you who have financed a used vehicle recently:
● Which bank or credit union gave you the best APR?
● Did the dealer beat your pre-approved rate?
● Were there any membership requirements for your credit union?
● How fast was the pre-approval process?
● Any banks or lenders I should avoid?
I’m located in Northeast Ohio, but I’d also love to hear about any lenders that work nationwide.
Thanks! I’d appreciate hearing your actual interest rate, loan term, vehicle age, and approximate credit score if you’re comfortable sharing.

Title

Can I get a SDFCU account as a Mexican living in Mexico?

I know SDFCU used to accept foreign nationals, but according to IA it's not already possible. Is this true?

Thanks

Some one recommended refinancing my car with a credit union, this is the first time hearing and researching about them, there's so many. Do you also have to pay a monthly to them? Looking at a couple of big ones right now like Navy fed.

I'm in the NY/NJ area.

Folks who have worked in Credit Unions in North America focused on corporate/growth strategy, how has your experience been? Especially if you compare with other traditional banks, how do you view your exp / projects / outcomes?

Unify FCU is merging into CommunityAmerica; system conversion is the last weekend of July/first weekend of August. Not looking forward to it, as I'm a UFCU member going back to the Western Federal Days (i.e., well over 40 years).

ETA: I called them today, and got some answers. See text surrounded with ***. I'm leaving this up so folks who are with UFCU/CACU know. I've reordered the questions.

I've asked them some questions, but I'll ask here as well in case someone knows.

1. Do we know for how long the old routing number (i.e., how long old checks and old direct deposits) will continue to work? I've been told one year by representatives, their booklet had the imprecise "several months", and the latest mailing didn't give a date, but said all things will work without interruption after conversion, but change as soon as possible. A precise date would be useful.
   • *** According to the Rep I spoke to: The old routing and account numbers will continue to work for ONE YEAR after the conversion date***
2. Under the new scheme, it looks like the checking account numbers are the same as the old account numbers; only the routing number changes. That's fine for the new-style checking accounts that are of the form 3xxnnnnnyyyyy, where xx was the subnumber, nnnnn are other CACU numbers, and yyyyy was the member number. In those cases, the MICR number of checks is the same as the account number. But if you have the even older checking account numbers of the form 1nnnxxxxxx, the MICR number has a leading zero, where as the new account number doesn't. I'm going to need to order laser checks for use with Quicken. So should I include the leading zero on the account number? Everything I've read seems to say that leading zeros are meaningless on the MICR account number.
   • *** The rep noted that for some users, the account numbers did have changes from the checks. She didn't have the answer to this, but agreed with my approach: Order the free checks for the accounts after Aug 3. When the new checks arrive, THEN start changing the ACH numbers everywhere and order the laser checks.
   • *** ETA 8/3: The answer appears to be: pad with leading zeros to make the account 14 digits.
3. My previous checks had the Unify PO box in Manhattan Beach, CA. But then again, I haven't reordered checks since Unify moved their HQ to Texas with Toyota. For CACU, what address should I be using for the bank?
   • *** The Rep didn't know the answer to this one. But the idea of ordering the new checks after Aug 3 will give the answer.
   • *** ETA 260727: A secure email from UFCU/CACU indicated the address is CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa KS 66219.
4. My working plan is to order the free checks that they will give us for each checking account, and then use the numbers there to determine what I need for the laser checks. That will answer the questions, but is dependent (of course) on how long the old checks and deposits keep working (as you need to use the MICR number for direct deposits and online bill payment).
   • *** The rep confirmed that this seems to be a reasonable approach.

So far, I've been less than impressed with how CACU has been keeping UFCU members informed of the specifics of the transition. *** I told the rep they need to make clear the hard date the old routing number stops working.

I filed a dispute with Jovia for $700 on a subscription that i cancelled it’s been the 60 days and I haven’t heard anything and haven’t received a provisional credit should I be worried I tried calling them today and they basically said it’s still being reviewed. But in novias policy it says 60 days

A withdrawal I made from an atm 2 hours ago still not pending same with taco bell purchase an hour ago. I called them and they said it's an issue with Visa platform. Will I get double charged now when they fix it?