I was scheduled for laser eye surgery the next morning at 7 am and needed to have my debit card daily limit increased from 2500 to 4100. I explained to the woman that worked for member services this and that I needed the increase to be extended past midnight as my surgery was at 7 am. She assured me this would happened but it did not. When they ran my debit card the next morning for 4100 it only would go through for 2500. Luckily I had another credit card on me but talk about embarrassing and a wasted 30 min phone call to assure me it would go through fine. 😡

I will just go ahead and echo the complaints that others have posted here as of late. I contacted FMACU in May about my car payment. My finances changed and I inquired about lowing payments and paying over a longer period of time. I have never had a pleasant experience with anyone on the phone from this organization and I have had MANY phone calls because this issue never seems to get resolved. Every single person I’ve talked to has been short with me and acts like I’m wasting their time. Banking and loans are complicated for laypersons but FMACU doesn’t seem to care that not everyone knows what their doing when if comes to finances. Totally unwilling to help. 4 months later nothing has changed.

I can not believe how many times Ive been told I would be reimbursed for a Fee I was charged while the banking system was having technical difficulties. No fault of my own this is souly the banks responsibility and after speaking with multiple employees not to mention the REGIONAL Manager who called me to resolve another negative review on the same matter. She was very respectful and professional over the phone and reassured me the issue would be resolved and I would be reimbursed within the 2-3 business days that was a week ago. I returned to the bethalto branch yesterday for another reason and once again brought up this Fee I was charged and yet again I was told I would be reimbursed and the money would post to my account today. Well whens that happen 1st mid america? This is very frustrating especially after being told multiple times this was no fault of my own and I would be promptly refunded.

Switched from Regions, and so happy I did. The customer service is miles better. You talk to local people (usually I get the same rep!) and don’t get switched around between random people for an hour every time you call. Additionally, they have so many locations locally and the interest rates on checking and savings accounts is so much better.

Don’t seem to want to return calls to customers or let alone answer the phone

Went today to go inside to simply get some checkbook registers. I was greeted outside by a young lady who asked if I had an appointment. Told her what I needed and that I would be in and out. She told me that they preferred you use the drive through. Why? I was wearing a mask! Had to get back in my car and wait in line. Would it have killed her to simply go in and get the registers for me?! What else did she have to do?! Every since it changed from Olin Credit Union, customer service has gone down the tubes!!

I had started my accounts here when it was Olin but overall its been a pretty lackluster experience. They do not provide any extra benefits over other credit unions or banks. I shifted to another bank that has a better mobile and web experience as well as more locations to better suit my banking needs.

Terrible Bank, they make it difficult just to deposit money into your account.

This company started out great and then they slowly started going down hill. Everybody got changed that my niece was dealing with and now the new person can almost never say her name, is rarely polite. She gets the amounts paid into the account when trying to discuss the account that she was trying to get caught up. She told them on Friday that she would have the amount needed to catch the account up in the bank by Monday. On Monday morning between 9:30 and 10 am central time the representative for her account called asking why they didnt show the money in the account yet. This is a really bad way to do business. This is the first company she has ever done business with that proceeds to call her first thing in the morning the day she told them the money would be in the bank. Normally they give you till the end of business and either call an hour before they close or first thing the next morning. She will never get a loan through them again.

I have banked with 1st Mid America since I was a child, and my mother banked there. I loved banking there, until I got a credit card through them. I should have known better than to get a credit card through a small credit union. Any time I have had to file fraud on a purchase I get the run around, or am given a bs answer as to why they cannot refund my money (oh you never reached out to the seller, even though I had given them handfuls of paperwork and emails showing attempts to contact). Ive had my credit card hacked and the only reason the transactions were caught was because the card maxed out. Transactions not even in this country (why would I be in a hospital in Singapore?). Every time I sit with a banker they make up the banking rules as they go and lie to my face. I am so sick of a teller telling me they will do something, then not do it. While filing credit card fraud I was transferred to so many different departments, who all told me they closed the card for me. I was able to go out and swipe the card and it WAS APPROVED. Closed? nope. The people working in the different call centers are IDIOTS.

More like a bank than a credit union by definition.Have been a member since August 1977 when it was the Olin Credit Union.Its been in a slow but steady decline since Olins departure decades ago. Big turnover as to help has the work stations regularly manned by tellers whove obviously been poorly trained having to run to the den motheron shift for relatively simple instructions,directions, & clarifications. Once regarded as a Preferred Member; a decades long member w/a regular savings balance of over $50,000, theyve recently decided to charge $4.00 for a simple cashiers check , an amenity that was long gratis for maintaining such a balance level. Ill soon be shopping for a new bank.

Slightly better than a typical bank, just DO NOT opt for any account extras. Like the overdraft protection, which actually enables them to let your overdraft your account in exchange for a $35 fee per overcharge. Nice protection.

I was charged 1400.00, for insurance on my car covering a time that was already history. For only for 3 months, and this insurance doesnt cover property and bodily damage .I am widowed. I’m not in good health but I do the right thing. My debit card from another bank expired and my car insurance was using that expired card to auto deduct payments. I didnt know this had occurred because I moved to Kentucky the same month. When I tried to rectify it, they told me I could no longer receive coverage from them because I moved to KY. I was much more concerned about getting my medical information transferred. Diabetes can be life or death without insulin. I honestly didnt understand the ramifications. At the beginning of October, I found out the insurance was astronomical because it had lapsed on my car. Wonderful! People who can barely afford insurance get the penalty of paying more if they can’t afford it in the first place. I live on a fixed income. It took me by surprise and I was unprepared for the high prices. I also did not realize that not only would I have to pay an arm and leg for insurance when I got it – but that 1st MidAmerica, had every intention of charging me for the months I did not have coverage. Originally they charged me 3603.00 I failed to memorize the fine print of my car loan contract, apparently.I had an inspection done when I got my insurance renewed. It’s documented. MidAmerica did refund 3 months but not for the 3 months that were not covered. How generous. There is no law that says a car owner must go back and backdate insurance for a car that has not been insured. The law only states that the cars must be insured. If the car is not insured, a fine is assessed to the owner – and while part of paying the fine is also getting insurance, there is NO REQUIREMENT to backdate the insurance to cover the uninsured period.MidAmerica supercharged me for a period of history and there is no law stating that they must do so.I looked up the definition of usury. While this is not the exact same situation where there is an illegal action or practice of lending money at unreasonably high rates of interest, what did happen here was that MidAmerica used an unreasonable high rate of insurance to add to my already high rate interest loan. I know moral and ethics is on my side. I checked for precedence on this. Mortgage lenders did the same thing to owners in the past. When the owners failed to produce insurance, the banks charged such a heinous amount – that it wound up in court and the courts ruled in favor of the owners. The owners got back the overages charged to them. The courts ruled: “loan provider cannot charge more than what it necessary to insure the house.” No one is going to believe 1400.00 for 3 months of insurance is necessary. My driving record alone justifies a lower amount.There is something unclear to me about why a credit union would purposely go and pick up the most expensive insurance to use against their members. At least until I looked at my interest rate. Then it all became very clear. I really don’t understand amortization, and interest compounded daily. What I do know is that 10+% is rather high for an auto loan. Add the overcharged insurance rate…I recognize that my ignorance about insurance on my car is no excuse for the period I went without insurance, nor is not having the money. I am a member who has paid 2 years on time, and any credit problems on file are due to a death in the family not irresponsible spending and credit cards.If they are going to charge 1400.00 for every 3 months of insurance coverage, I think that kind of money should be clearly stated IN ADVANCE – no surprise parties.

I have been working with Jeff and Jenny at 1st Mid America Credit Union for over a decade. These are great people and I count on them and they go above and beyond to support our needs. I cant say enough great things about this team and these people. They arent just bankers, they are my friends and partners in what we are up to in transforming neighborhoods and creating community.

I had many problems with them since they renamed the Credit Union, especially during my military service. The worst part was their VA Home Loan Program Manager, I left several messages to save my home. There was never a return call and no appointments were scheduled. I moved to a World-Wide Credit Union and always get great service! I will only walk into this Credit Union when my mother requests for assistance.

This place is very unprofessional, I keep receiving First Class Mail at my home that I have been for 10 yrs. for someone who does not live here. I have called 2 months in a row to help them not WASTE money on postage and get the mail to the correct address. I spoke to Paula today in the call center who basically gave me, just put it back in the box and call the post office to stop it. She explained they BUY peoples name from an outside source from a list and they could NOT possibly check every source for one persons name. I explained that is NOT my job, but her job to stop the extra mail from coming to me and get it correct to that person that might want their mail. She was very rude and lazy! If they cant get this right, not sure what they can do... what a joke!!!!!!!

Missed a skip a pay opportunity and there were NO exceptions. I get tons of mail from 1st Mid America regarding life ins I dont want and Ive indicated this on several forms. Thinking skip a pay form got mixed up in all of the unwanted correspondence. Could really use a month of no car payment but they wont budge because I have automatic payment which is supposed to be a good thing. Local credit union in Springfield, IL works with customers much better. Annoyed!

Do not do business with them. Was given a wrong pay off and of course it’s my fault (not sure how) rude, threatening will never ever do business with them again.

Very poor customer service and non existent customer loyalty.

More of a bank and not a credit union

Its a bank, not much to say