North Coast Credit Union, Bellingham, WA

The staff is nice enough. However, if you overdraft by even $0.30 you're immediately charged the $25 overdraft fee. You're not even given until end of business day to get the money into your account to prevent the overdraft. Even Chase Bank, which is notoriously atrocious gives you until the end of the day to deposit money when you have a pending overdraft. Seems extremely rigid (especially for a credit union) not to mention in a day and age where everyone is doing the financial truffle shuffle and just trying to survive. All in all, I don't really recommend unless you know your in a financial standing that there's no chance of an accidental overdraft.

Just another bank that will steal your money via "overdraft protection". Can't even directly call the bank. Edit: I should add that when I originally set up the account I was verbally promised that the account would indeed deny the transaction if there were insufficient funds. Unfortunately they either independently decided that it'd be better if the account wasn't set up that way, or maybe they just forgot. Either way, I was charged significantly more than I would've been charged if the account were set up as requested. I was not offered a refund on the difference via phone, maybe in person will be different. Additionally, consider email notifications if an overdraft/insufficient funds situation occurs so the account holder is immediately aware and then can remedy the situation or at least not incur multiple charges. It's 2020, you can do better.

Very friendly and helpful staff

Nice and fast, efficient, friendly service ...

Just another bank that will steal your money via "overdraft protection". Can't even directly call the bank. Edit: I should add that when I originally set up the account I was verbally promised that the account would indeed deny the transaction if there were insufficient funds. Unfortunately they either independently decided that it'd be better if the account wasn't set up that way, or maybe they just forgot. Either way, I was charged significantly more than I would've been charged if the account were set up as requested. I was not offered a refund on the difference via phone, maybe in person will be different. Additionally, consider email notifications if an overdraft/insufficient funds situation occurs so the account holder is immediately aware and then can remedy the situation or at least not incur multiple charges. It's 2020, you can do better.

The staff is nice enough. However, if you overdraft by even $0.30 you're immediately charged the $25 overdraft fee. You're not even given until end of business day to get the money into your account to prevent the overdraft. Even Chase Bank, which is notoriously atrocious gives you until the end of the day to deposit money when you have a pending overdraft. Seems extremely rigid (especially for a credit union) not to mention in a day and age where everyone is doing the financial truffle shuffle and just trying to survive. All in all, I don't really recommend unless you know your in a financial standing that there's no chance of an accidental overdraft.