St Dominic's Federal Credit Union

I have been with this bank for about 6 years now and my experience overall was a good one....up until a week before Christmas. The bank saw fit to impose a 100 dollar a day limit on MY account even though I had more than 100 dollars in my account. Therefore, I had money that I couldn't spend. I was being declined in public, which is disgustingly embarrassing, and now, the day after Christmas, I am STILL buying presents for people. 1 at a time, provided they are under 100 dollars.



So today I decided to call and see if I could get this lifted, as my account has well over 1000 dollars in it at this point. The person I talked to informed me it had to go before a committee to be reviewed and they would inform me by the end of the day and let me know the outcome. I just received my call and I am disappointed to say the least. I was informed that based on my credit rating (like that has ANYTHING to do with MY money in the bank) this mysterious committee (which has not been explained to me) has decided to continue to deny me access to my money.



I first became a member of this bank when I lived in Warren. I loved the idea of supporting a small, local business. I still kept the bank after I moved to North Providence and now Warwick, even though it's been HORRIBLY inconvenient for me to get there if I have a deposit or something. Their online banking is terrible, archaic to say the least. It takes days for things to show up in my account, even debits. Yet still, my loyalty lied with them, and unfortunately, I did not get the same treatment in return.



I informed the person I spoke with that I will be removing my money and closing my account as soon as possible. He simply said "Ok" and let me go. They didn't even offer to TEMPORARILY lift the ban. For a bank that has approximately 2100 customers you would think they would be a little more customer service oriented.



I have a car that needs to be fixed, and even though I have the money to cover it I have no way to pay them!



So now, I need to wait for their extremely slow system to finish processing my remaining credits, debits and checks I was forced to write thanks to the daily limit, then I need to find time to drive all the way there to remove the rest of my money and close my account. Then, I need to change EVERY SINGLE ONLINE ACCOUNT I HAVE which is about 10 as I am a small business owner who sells through many venues. Like ruining my Christmas wasn't inconvenient enough.



Merry Christmas and good riddance I guess. Words can not fully express how disappointed I am. I'm really wishing I had left about 4 years ago when I moved.