Advancial Credit Union

★★★☆☆
  • 1845 Woodall Rogers Freeway, Suite 1300

    Dallas, TX 75201

    Map & Directions
  • 214-201-1600

About Advancial Credit Union

Categories
  • Finance
  • Banks

Finance

Finance
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Run from this credit union. They use some type of algorithm to cause overdraft fees to occur even when you have fund available in your account. They stack your credit/ debit purchases and hold them until the balance is negative at which point they run all charge through and give you an overdraft on every single one. They are absolute thieves.They essentially make your debit/ credit transactions fall through in a manner that maximizes the fees they can charge.

1
★☆☆☆☆

Run from this credit union. They use some type of algorithm to cause overdraft fees to occur even when you have fund available in your account. They stack your credit/ debit purchases and hold them until the balance is negative at which point they run all charge through and give you an overdraft on every single one. They are absolute thieves.They essentially make your debit/ credit transactions fall through in a manner that maximizes the fees they can charge.

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I've been banking with Advancial for over 15 years. I was first drawn to Advancial by its amazing rates. They pay much higher returns on deposits than anything in the marketplace. I have come to really appreciate the personal service approach of this institution and have been pleasantly surprised at the dedication the institution has to new technology. I have been using the Advancial app and now use it exclusively for my banking. It is so feature rich and way ahead of the apps I have for B of A and Chase. I have shifted all my banking to Advancial and can't say enough good things about this credit union.

5
★★★★★

I've been banking with Advancial for over 15 years. I was first drawn to Advancial by its amazing rates. They pay much higher returns on deposits than anything in the marketplace. I have come to really appreciate the personal service approach of this institution and have been pleasantly surprised at the dedication the institution has to new technology. I have been using the Advancial app and now use it exclusively for my banking. It is so feature rich and way ahead of the apps I have for B of A and Chase. I have shifted all my banking to Advancial and can't say enough good things about this credit union.

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I got an auto loan through Advancial last year, and due to losing my job it had to be voluntarily repossessed. Since then, this credit union has strung me along for several months with requests to have things like the insurance they charged during the repo process refunded. Then, charged me interest for the entire time of waiting for them to take action.

Now, I can't ever call without ending at a voicemail. IF I am lucky enough to speak to a human, they will shortly look up my account and forward me to a voicemail which I am convinced never gets checked.

I don't recommend you ever do business with this credit union.

Edit: Over a year later from this original review, and I STILL have not been able to resolve my account. As of today, the bank has admittedly refused sending me statements for this account. They expect that I pay them blindly while I cannot see my balance, or interest due. I can only imagine what I must owe at this point.

I cannot stress enough, STAY AWAY FROM THIS CREDIT UNION. THEY ARE CRIMINALS.

1
★☆☆☆☆

I got an auto loan through Advancial last year, and due to losing my job it had to be voluntarily repossessed. Since then, this credit union has strung me along for several months with requests to have things like the insurance they charged during the repo process refunded. Then, charged me interest for the entire time of waiting for them to take action.

Now, I can't ever call without ending at a voicemail. IF I am lucky enough to speak to a human, they will shortly look up my account and forward me to a voicemail which I am convinced never gets checked.

I don't recommend you ever do business with this credit union.

Edit: Over a year later from this original review, and I STILL have not been able to resolve my account. As of today, the bank has admittedly refused sending me statements for this account. They expect that I pay them blindly while I cannot see my balance, or interest due. I can only imagine what I must owe at this point.

I cannot stress enough, STAY AWAY FROM THIS CREDIT UNION. THEY ARE CRIMINALS.

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1 out of 1 people found this review helpful.

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I have a car loan with them. I live in Colorado, and they're in Texas. My payments are 269.75 and I sent a payment of 269.71 in error. I have a 30 day late on my credit report because of a payment that was four cents short.

I called "customer service" and they aren't helping one bit. Also, my statements always arrive after the payment is due. That was causing late fees in the beginning. I have to send my payment in without looking at the statement. Not a good financial institution at all!

1
★☆☆☆☆

I have a car loan with them. I live in Colorado, and they're in Texas. My payments are 269.75 and I sent a payment of 269.71 in error. I have a 30 day late on my credit report because of a payment that was four cents short.

I called "customer service" and they aren't helping one bit. Also, my statements always arrive after the payment is due. That was causing late fees in the beginning. I have to send my payment in without looking at the statement. Not a good financial institution at all!

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1 out of 1 people found this review helpful.

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I had accounts at Advancial Credit Union for over 10 years, and have always been very pleased. My last three (3) automobile have been financed or refinanced through Advancial with very competetive rates and terms. I would recommend them to anyone who is looking for a solid credit union that treats you as would a good home town bank.

Posted 04/14/08 | Report Abuse

5
★★★★★

I had accounts at Advancial Credit Union for over 10 years, and have always been very pleased. My last three (3) automobile have been financed or refinanced through Advancial with very competetive rates and terms. I would recommend them to anyone who is looking for a solid credit union that treats you as would a good home town bank.

Posted 04/14/08 | Report Abuse

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0 out of 1 people found this review helpful.

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Our family has had accounts at Advancial Credit Union for over five years, and we've been very pleased. They never have a long line like I've encountered at some local banks. I would recommend them to other people.

4
★★★★☆

Our family has had accounts at Advancial Credit Union for over five years, and we've been very pleased. They never have a long line like I've encountered at some local banks. I would recommend them to other people.

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I've used Advancial for the last 10 years (they have a branch in Richardson that has the feel of a small town bank). I've financed cars, had signature loans and really enjoy their free ATM services. The staff is friendly, though I miss some former employees, and everyone seems courteous and knowledgeable.

5
★★★★★

I've used Advancial for the last 10 years (they have a branch in Richardson that has the feel of a small town bank). I've financed cars, had signature loans and really enjoy their free ATM services. The staff is friendly, though I miss some former employees, and everyone seems courteous and knowledgeable.

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1 out of 2 people found this review helpful.

 

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