A+ Federal Credit Union

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Let me begin by saying I have been a member since 2012 and have loved it until recently. My job also only allows me one day a month of regular time. By regular time I mean 9 am — 5 pm Monday — Friday.
I unfortunately lost my wallet with my debit and I.d. But was happy to remember I could go to a+ to fix this problem. I went on my lunch break and was told I would need to put in an order of a new debit to my house because without picture identification I was pretty much hopeless on getting a decent amount of cash to pay bills. Coming in for $ 150 increments 6 times for lunch just would not work. Ok well I managed to get an extension on my rent. My Debit card comes in on Thursday 11 days after ordering it. With no pin! Ok another fantastic security feature by a+. I call to see what is happening and am told the pin will arrive the day before or the day after in the mail. So yes more waiting to pay those week old bills. The next day comes and take a guess, no pin. My debit card took 11 days and now 13 days later no pin for it, it has now been 14 days since I have had access to my bank account.
It is 5:46. Google says a+ closes at 6:30. I drive down there hoping I can make my car payment today, well no after waiting in the drive thru for 15 min I am told I will just have to go back in person in the lobby or to wait for my pin to come in the mail «whenever it may come» and can’t get any help unless I wait another week for my 6^th lunch to be spent waiting in line at A Plus federal credit union for the SAME problem I have had over 2 weeks.
Long story short, lost my wallet and a plus fcu was late on my debit card and pin coming in the mail, and the drive thru can’t help with any of those services either. The place that «manages» my money has now cost me over $ 200 in late fees by not allowing me access to my own funds. And those numbers are adding as I type this. I would not choose to bank here. period. And once my pin comes in I will be leaving. 3 weeks for me to pay 2 week old bills but I guess that’s better than someone stealing my identity and money. Thanks A + FCU, exceptional work… Just kidding thanks for managing my money horribly. I rather someone steal $ 200 then my car company maybe it would actually be used on something then making an already rich dealership become richer literally for FREE! Dear a+ your doing the Robin Hood thing backwards and thanks for screwing me.
This is the 3^rd weekend I am not allowed to access my bank account. In 3 hours the bank opens and I’m 99% sure they will tell me of a dumb policy that will not allow me to access once again… will keep this review updated just to let you know …
6 days later no pin has come in so I went to a+ and they said they could send another one but it would take 5 – 7 business days.
I’ll let that last part just speak for itself and no I cannot go get an I. d because I have a $ 500 ticket I never paid from when I was 18 that I need access to this very bank account to pay. Policies here are AWESOME.

I really needed to make a deposit today and the ATM wasn’t working! I thought this place got an update. But it suckss. Inside Is a bit nicer. But it’s just terrible when there’s too many people because there’s no where to make a line. Before they had a place to stand now it’s just stand wherever and hope that nobody cuts you in line.

It was time for me to get a business checking account, and I wanted to try something other than Bank of America, who I use for my personal account. I don’t have anything against BoA like many people do, and I don’t REALLY know the difference between a bank and a credit union, but I thought what the heck. Might as well try someplace different and perhaps local.
Thanks to Unilocal,I found a few banks and credit unions to check out. But of course, it’s 2010 and ‘check out’ doesn’t mean I’m going to drive there and talk to someone. Nay, ‘check out’ means I’m going to their website from the comfort of my own home. And wow, some of these banks have terrible websites. Not a good sign for someone like myself, who plans on doing most of his banking online.
Then I went to the A+ Federal Credit Union website, expecting more of the same. Much to my surprise, their website is navigable, well-​designed, and even has a nice-​looking 2.0 interface. A couple of clicks later, I find out they offer exactly what I need.
Now if only I could’ve applied for a checking account online, everything would’ve been perfect. But instead I settled for the human experience and made the short trip to the Stassney location. One perk of this non downtown location is that there’s plenty of parking.
So I got there, and before I walked inside, I noticed a plaque on the wall at the front entrance. I briefly read about how this credit union was originally formed by teachers. Cool. That sounds way better than a company founded on greed and screwing people over.
The same sort of spirit seems to be present on the inside too. More of the friendly service and lively atmosphere that I like to see, rather than a soul-​less, 9 – 5 corporate wage slave environment. The employees had a radio tuned to a country station. That I should deduct a star for, but considering it’s South Austin, I’ll hold off.
I have to thank Eduardo for helping me set up my basic business checking account, which only required an initial $ 65 ($ 50 to my checking account, $ 5 for the membership fee, and $ 10 to savings). Great for me because I don’t have what some people might call «funds» or «capital».
I am going to have to take a star away for real though. The whole process probably took about an hour, which seemed unnecessarily long. I will say that once the real life stuff was taken care of, I was able to setup an online account later that day and access it without a hitch.