Run, don’t walk, to any other bank/credit union other than FMFCU. Really? The above is a snapshot of one week of headaches and frustrations endured from FMFCU trying to get MY OWN money, however, it is representative of every contact I’ve had with them over the last 7 or so years. A week later I log into the one remaining account I left open to ensure all checks had cleared and I see an $8.95 “Inactivity” fee! The service center informed me the fee was because I hadn’t used the Bill-Pay service for 90 days. FMFCU refused to help leaving me no option other than wasting an entire day (3+ hour drive each way) to deposit in the new bank’s main branch (due to Covid, all other branches were closed to walk-ins). Since they ignored my instructions to cut three separate checks, the single check amount exceeded ATM deposit limit. No surprise, my instructions were ignored and I received ONE check for the total amount of the three accounts which I tried to deposit into my other CU’s ATM. I refuse to pay $75 for my own money so opted for checks and explicitly requested (in writing) THREE separate checks, one for each account (after all, they were going to charge me a wire fee for each account, right?). Finally fed up, I tried to close 3 of my 4 accounts only to be told they could wire at $25 PER ACCOUNT, or mail hard checks. They practically force you to go paperless yet printing your statements is time consuming, complicated and antiquated (must open numerous windows, save to computer, reformat to avoid excessive waste of paper, ink and time, then open from file and finally, hopefully, print). NO LONGER the case!! Ridiculous fees/hidden charges, absolutely horrific service and a terrible online platform. FMFCU was a great bank when I joined 35+ years ago (checking, 2 savings and a money market account).

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