Navigant Credit Union

I’ve had a Navigant account since Columbus Credit Union was bought by Navigant. I didn’t use the account, as I had a Citizens account that I primarily used. However, Citizens charged me a bunch of outrageous fees, so I have switched over to Navigant now.
Everything is better at Navigant. The bill pay feature works better (bills get paid faster than they do at Citizens). The web site is also better designed than at Citizens (though only marginally). Navigant’s fees are also lower.
Navigant provides free checking accounts to the public, so I’m not sure what the other reviewers are complaining about. Yes, it’s true that they also have accounts that have minimum balances (apparently so that you can get a generous interest rate), but anyone can get a free account. In fact, to get a free account at Citizens, you have to have at least 5 transactions a month (not counting ACH transactions). At Navigant, checking is free regardless of ther number of transactions.
Navigant checking accounts have one feature that is very useful: For NO FEE, you can link your savings account (or what they call a «statement share» account) to your checking account, so that if you overdraw your checking, it will take the money from your savings. This is a big benefit since most other banks charge a fee for the privilege. (Citizens charges $ 30 a year, and some other banks charge a fee per transfer.)
Navigant has an overdraft fee of $ 34. It isn’t low, but it is still lower than Citizens, which charges $ 39. Navigant also does not use trickery to charge you extra fees. I left Citizens when they reordered the withdrawals that came in one day so that they could charge me three fees instead of one. Navigant doesn’t do that kind of thing.
If I have a bad experience, I’ll certainly change this review; but so far everything is going well. One caution: Navigant closes at 1:00 p.m. on Christmas Eve, and 2:00 p.m. on New Year’s Eve. That’s too early, in my view.
Note: Navigant has marketing arrangements with various companies, and they will market other companies’ products to you (via ads on their online-​banking site) unless you turn that feature off. The good news is that you CAN turn off the ads, which can be annoying.

I could not be more unhappy with a financial institution. I’ve been flying credit union colors for about 4 years now, and I was very happy with Columbus Credit Union. Ever since Navigant bought them out banking here has been a total nightmare. I have to babysit my account to make sure they aren’t charging me NSF fees for no reason. The latest blow? A low balance fee that brings your account into the negative and inevitably results in a $ 30 NSF fee. Can we say scam? This is NOT what community banking is about. I used to feel like a member and now I feel like an account number. I’ve had a better banking experience with a big online bank for the last 3 years than I have with this «credit union.» I can’t even call my Navigant branch directly, I have to go through corporate phone menus.