325 views
New Reviewer
0 comments
stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
2.9

I joined One Nevada Credit Union in December 2017 for a fresh start after spending 12 years at BofA.

The account opening experience online was smooth, minus one glitch that was no fault of theirs. However, in the 3 months that Iโ€™ve had this account, the account opening experience was about the only thing that went smoothly.

One Nevada boasts the motto โ€˜Our One Focus Is Youโ€™, but you are only that focus so they can tack on overdraft fee after overdraft fee after overdraft fee.

When you open a new account here, be cautious regarding how their systems operate versus a standard bank. I wasnโ€™t informed of some of the key differences when opening up my account, probably purposely. With a standard bank, youโ€™re able to overdraft your account in certain situations without being charged an overdraft fee as long as you bring the account to a positive balance or at least zeroed out by the end of the current business day.

At One Nevada, they want to nickel and dime you as much as possible so the second your account goes overdrawn, they assess a fee. Years ago, the federal government stepped in to regulate overdraft fees charged by banks โ€” not credit unions.

Earlier this month, I disputed 3 transactions. In spite of my initial hesitation, I was quite impressed with Vantage and their swift and professional response to my claims. All of the claims were resolved in my favor and the money placed back in my account.

However, all 3 of those disputed transactions incurred a $35 Overdraft Fee. I was told that when the claim was resolved, if it was in my favor then I would get the overdraft fees back as well. Nobody at ONCU wants to take ownership and refund me the fees! I spoke to Julia at a branch who told me to wait a few days to see if theyโ€™d automatically credit, then Ericka at a different branch said she had to talk with her manager and sheโ€™d call me back. She never did.

Then, what finally set me off and pushed me to the breaking point was about a week ago. I used their courtesy cash option and overdrew my account (Iโ€™m okay paying this fee, I knew it would cost me money). However, there were 3 pending transactions and when those transactions posted, I was hit with a fee for each of those as well. The account was positive when the funds were taken out, so why would there be a fee?

Iโ€™m not trying to dispute overdraft fees that are assessed legitimately (I.e. courtesy cash). However, ONCU seems to assess fees for just about everything - I even had one overdraft fee because Amazon debited my account 1 CENT when the account was already negative. They allowed the charge, then hit me with another $35.

I cancelled my direct deposit going into this credit union and Iโ€™ve already gone crawling back to BofA. Right now, the account is negative and so will be closing it as soon as I have the funds to bring it to a zero balance.

In closing, Iโ€™m disappointed because this is not the way I thought my experience would go with ONCU. I had high expectations, but what I shouldโ€™ve been ready for was high disappointments.

Reason of review: Problems with payment.

Location: 7703 N El Capitan Way ste 190, Las Vegas, NV 89143, USA

Do You Have Something To Say ?
Write a review

Comments

chat-icon

Please avoid publishing any personal information and promotional content

You will be automatically registered on our site. Username and password will be sent to you via email.
Post Comment

One Nevada Credit Union Reviews

  1. 8 reviews
  2. 4 reviews
  3. 2 reviews
  4. 1 review
  5. 0 reviews
One Nevada Credit Union reviews