Duke Credit Union — Attraction in Durham

All should know they cleanse these reviews regularly. I have left several appropriately critical reviews of Duke Credit Union in recent years and all have disappeared along with a long list of other highly critical reviews of this needlessly vexing place of business.

Duke FCU simply is not an adequate place to do even normal personal banking, certainly not business banking. I cannot recount the number of serious, untimely, and very costly errors they have committed with my account. They have placed my deposits into other customers' accounts. They have charged checks from other customers' accounts against my account. They regularly hold checks for 5 or more days, even when they are from major banks and you have received these checks for many years without problem.

They have enormous security problems and you will be the one who is inconvenience for their incompetence. My account has been hacked 3 times. Each time, they forced me to drive to their home office (very inconveniently located) to submit forms. Then, they take their good ol' time reviewing the charges, taking up to two weeks to rehabilitate your account.

Use wire service or ACH? Good luck. Sometimes you will get it when its supposed to post, sometimes not. They are rarely happy when they screw up, either. Their first reflex is to blame YOU. They have lots of practice with this drill. Their hours are not good and they will be gone when you need them most. They take long holidays, so make sure your money is in the bank a good week ahead of their closing date. But that is no guarantee. There are states where you might not be able to use your card. They may shut you off after you spent $200, even if you have thousands in the account. Then, you're screwed. They have NO CUSTOMER SERVICE for emergencies, after hours, and so on. This wouldn't be a problem with a normal bank, but it sure is with DUKE FCU. You should look to have a major, after-hour problem with them at least every other month. Be prepared for desperate emergencies at airports, out of town gas stations, and buying that last minute gift for the kids. These are the events you will most remember as a Duke customer.

Oh, I almost forgot one chronic source of abuse you will DESPISE as a customer: Their web site. It's chock full of features from the early 1990's (a review scrubbed earlier this year from Google was appropriately colorful and technical with details). You have to submit MS Access-like queries for everything. Want your current account info? You have some parameters to choose and to get right or you will get bunged out. And there is no "home" button to get you back to the main page. I always wonder how things stay the same there for so many years. I was a Duke employee and just everything and everybody has this as my account info. I am migrating out slowly, but even starting there is something I regret. I put no peculiar strains on a bank. If anything, I have fewer services there than I suspect most would. So, know what you are likely getting in to. I wouldn't do it again and I am so badly inconvenienced by them I could easily write a review like this...

So apparently after speaking to a representative recently I found that when you freeze your card, unlike another non-creditunion financial institution, your credit card cannot be used for 24 hours when you talk to them they say they have to put the funds or something back into the credit card account or something like that I'm not sure but all I know is it is the most arduous task to freeze your card and protect your funds like you would at a non-creditunion financial institution that I deal with there I can freeze and unfreeze my card any number of times during the day as far as I know and can unfreeze it and instantly start using it again I don't have to wait 24 hours and. They probably know who I am by this post so fix the problem for me to stay on board with your institution I like it it's a sad thing to find...

They lied to me when I opened my account in person. They told me as long as I deposited $100 and kept my balance above $100, they wouldn’t charge me fees. They charged me over $100 in fees over the past several months.

When I found out and called them, they told me that there was nothing they could do because the minimum balance needed to avoid fees is $2500. Their own website says it’s $100.

Don’t trust them with your money. Read the other reviews and consider using any of the other credit unions in the area. If the other option doesn’t steal from you or fraudulently open accounts in your name, then it’s a better choice than Duke...