Patriot Federal Credit Union, Chambersburg, PA

Absolute worst bank I’ve ever dealt with. After paying car payment on mobile app for over 5 years, they arbitrarily reduced the amount available to $225 so cannot transfer money to car payment with no noification of change. Called customer service, asked for supervisor. Spoke with Dodie and instead of releasing the funds, she spent 20 minutes telling me why they needed to review it. 71 prior months doing it this way and they want to make the last payment as painful as possible. Go anywhere else for an auto loan!

Loan experience was fine but when I over paid the final payment they created a bank account and put my funds in it and provided no way of accessing it.. They then started charging me a $7 per month dormant account fee so to basically steal my money. Greedy Update- After leaving this review they refunded me the majority of my overpayment .

Watch out about the checks you send out. I sent off a check almost a month ago. The business I sent the check too said they received the check. But some some reason,it always seems to come through only when my checking account is low with funds. Once or twice,I'll claim it as a coincidence, but this seems to happen quite alot now. Then I'll get a insufficient fund penalty for $35. Really suspicious. I hope PFCU isn't holding my checks until it gets low with funds. This scenario happens too often.

Not a bad bank. Wife has had them for omg 20 years. But thing I hate is if I need change for a 50 or 100 I can't get change there unless I have an account. Seriously your a federally insured bank and you can't give me change.. Um ok.. That's why the 3 stars. Otherwise it's a great bank just one I won't and don't use. But still a bank is a bank. Check my bill if it's real then give me change. Don't tell me you need to run it thru my account which makes no sence to give me change.. But ok.

Never have I heard of a bank that you can’t pay loan ahead! I’m old fashion and paid ahead my whole life BUT not with this ridiculous bank. SO I’m aloud to pay one month but if received before 15th it goes to principal. Next I get a late notice 5 days late, Called and was scolded that this will be last time they’ll reverse issue.plus she said doesn’t matter what my coupon date says as I mailed. WHAT??? You’ll get charged $10 pay by phone AND forget about opening account with this bank( total science project) And one last insult to them is I had to use sissors to cut each month’s statement which was a mile long when mailed out yearly. I never had problems like this and about done with this bank!! Paying it off and I’m sure I’ll get scammed somehow. Organized bill payer who’s DONE!!!

I don't know where to start honestly hubby and I wanted to get a new car but we wanted to get it through our bank off course we went to patriot it was the closest one hubby credit is 765 with 14 years off good payment he never missed payment on his credit card and my credit is 710 and I have 2 missed payments but did pay my Debts off we both working and we don't have no loan except for a mortgage we went and tried to see if we could get a loan for 15k I applied myself at first I automatically get declined because I have 2 miss payment now we tried together My husband and I for the loan we both got declined but because they already had a hard inquiries on both of us we went for a car loan Wich they keep the title for collateral. So with patriot Bank they don't need good credit I don't know how they approve people but it's definitely not with good credit . I can't wait to work and pay this car off and close my account with them .

If you call in, hope you get Shawna Sipes, she is incredibly great and professional! Could not have asked for a better experience! However, you should know my call in was about how to close my account. I've read many of the 1 star reviews about loans and things with this bank and I believe you should take that into consideration with this bank. I paid off a home equity loan with this bank years ago then couldn't get a loan for a used $20,000 car through them. Thank God I went somewhere else and got a better interest rate, which I've now been able to pay off the car and get a new title without problem.

If I could give 0 stars I would! My account got hacked and ALL of my money was removed. The lady in the office even told me it’s a scam. So, I called capital one (since $1000 also went to the scammer from there and capital one refunded me within 2 days). Patriot though refused to give me any immediate refund. But, the manager Nikki on Norland told me she would personally handle it. So, I left the one of accounts alone. Lo and behold they didn’t do anything!!! The purchases (scammed) are insured by Mastercard or visa (that’s why that label is on our bank cards)- the bank just has to do paperwork on their end. Please understand that I lost almost $14,000 to a scammer and the manager of the branch has done nothing except close my account. I will never get another credit union account again. And now my chemo doesn’t get paid and patriot doesn’t care one tiny bit and refuses to help me. If they will do this to me than they will certainly not help you