Picatinny Federal Credit Union

Having come from a long history of banking (credit union specifically) background/​employment I urged my husband to open an account here at this local credit union. The ads on TV talk about friendly service and doing what you need/​helping out all that nonesense. We have yet to feel like this credit union is any better or even up to par with the big banks. My husband moved from PA and has his payroll deposited there. We’ve been trying to switch it over to PIca CU, but that requires a blank/​voided check — Oh wait we didn’t get any — no offer to order them not even any starter checks. So we deal with writing checks off the PA account and depositing them to the CU account as well as using funds from his Army direct deposit which IS going to the CU once a month (Guard).
I’m not a fan of paying fees) so we write checks from the PA account, deposit them to the CU account and use those funds. We don’t have massive amounts of services with the CU, but we don’t need a bunch of loans — just the banking services, which we fully utilize. Each time we deposit a check our balance is different. ANY time we deposit a check — no matter where it’s written from or for how much, there is a 2 BUSINESS day hold. There has yet to be an exception, even when we request the funds to be released the following business day. (See Regulation CC on banking). I have not been able to get a direct answer on this yet other than «you don’t have the funds in your account to match the check». So if you don’t have the money already in your account, any personal, local check deposited will be placed on hold for 2 business days.