South Florida Educational Federal Credit Union

Muster up the patience because you’ll be standing in line for eons! It’s a credit union, folks, so the benefits, rates and perks are sweet. but the wait times and lengthy protocol make you think twice. The tellers are simply not as efficient in processing client requests as they are in larger private banks or perhaps they are just understaffed. Either way, I have endured half an hour teller line just to withdraw money (because their daily atm amount is only $ 200). The drive through is only mildly faster; at least you are in the comfort of your own car while you wait, but again lots of paperwork at a sluggish pace make the overall banking endeavor much more arduous. If you are accustomed to banking with the big boys (Citi, Bank of America, etc), load up on patience, especially when it comes to finding a branch near you. I live in Doral and my closest branch is in the traffic jungles of Kendall.
My suggestion is to open a nice little savings account with these folks so you get all the great benefits of a credit unión (cheap movie tickets, low rates on loans, etc), but keep your day to day checking account at a more accessible bank.

Credit unions are the best!