Client Review on Linn Area Credit Union

Feedback:

They claim everyone is family, it's part of their slogan, but I guess I must be the black sheep. My credit score is low, I will admit that. So I cannot get a credit card or loan, that is fine and understandable. However what is not fine is the fact of having your card declined in the middle of purchasing groceries much to one's own embarrassment. What is not fine is multiple explanations of why it got declined, but the answer explained by management is my debit card has a limit of $100. Yes, this is not a typo. When I questioned this, I was told it was due to my credit score. That is right, I am being limited to spending my own money. I cannot use the mobile check deposit feature because of this either, however I can drive (which costs money) to a branch and do it there. This has to be the most ridiculous restrictions I have ever heard of. The original answer to why my card was declined is because of a 7 day hold on a 164 dollar check. I was told "we might not be able to collect on this check". The check came from a business! I opened an account here because I wanted something local. However my old bank had a debit card purchase limit of $3,000 and never put a hold on a check longer than 1 business day. These people will not treat you fairly if you have a low credit score. In fact I was told they did me a favor, because normally they would not of opened an account for me! Do yourselves a favor and bank elsewhere.