Hudson Valley Credit Union, Carmel Hamlet NY

The employees are very nice. I have however experienced issues with banking and credit card payments. The banking records and credit card payment records do not coincide. They have reported my payments past due when they are on autopay and have charged overdraft fees while there are sufficient funds in the account. I was told that my statements would be emailed to me today. I was reported past due to the credit bureaus for a May payment that I physically made in person for over 500 dollars. The bank shows no record of the payment, however the credit card system shows the payment and the bank is charging overdraft fees for that payment I made (in person). There is a 900 dollar discrepancy in my account as of right now with several overdraft fees. Its disappointing. Its been brought to their attention and I am looking forward to a resolution. Once it's resolved I think I will need to reconsider using this branch or bank at all. My suggestion is to keep copious records yourself.

The people here are always great. The bank itself is absolutely horrible. I switched to a credit union to escape the predatory practices of the big banks. However, HVFCU policies are far worse and more predatory. For example, if you don't have the funds to cover the purchase they will deny the purchase and still charge you an overdraft fee, even though you didn't even overdraft. Bunch of thieves. Not to mention they would often deny my businesses requests for as little as 200 singles and/or $50 in mixed coins. They would often ask me to notify them days ahead of time. It's just a horrible horrible bank and I highly advise against using them.