First Commerce Credit Union

Customer service is terrible. Even the recording will hang up on you if you don’t have your pin, and then just TRY to get a live person. The online system is ALWAYS DOWN and you cannot get any information about your account. It is ridiculous. I just spent 10 minutes on the phone with a recording, which hung up on me, called back, after 5 minutes I got a real person, who could tell me nothing because ONCE AGAIN, the system is DOWN!!! TERRIBLE financial institution!!!

This Credit Union is not for it’s members.
I had an over-​draft of $ 1.78 and they charge me $ 29.99. I send an email asking for a courtesy refund. 4 days later I get an email response stating that my balance is no longer negative… Nothing in my email was asking about my balance. So, I respond asking for the refund.
They came back and stated that unless it was credit union error they could not issue a refund.
Their service in the branches are slow, their ATMs are never working, they never have supplies in their drive-​thru, and now this.
This was the last straw. GOOD-​BYE

I have been a member at First Commerce Credit Union for almost 13 years. My family was put in a situation where our lives crossed with a bank employee who ended up making threats of physical harm as well as threats to access and utilize our personal information for purposes other than intended or allowed by the financial institution.
I reported the incident to the institution and requested that I be notified if the employee had accessed/​viewed my account after the altercation had taken place and therefore could potentially have all of my personal information. I explained that I wanted this information so that I could try and mitigate any potential threat to either my family physically or financially. The institution has refused to provide me with this information, stating that I do not have a right to know who has been accessing my account. They claim that any access of my account is «proprietary» and therefore none of my business.
I didn’t ask anything unreasonable. I didn’t ask for them to admit she inappropriately accessed my account, nor tell me what «proprietary» top-​secret reason she had to view it, just a simple yes or no. Now I am in the painstaking process of changing over 13 years of history at this institution and they have a «do what you have to do» attitude about losing my long-​term membership.
I would think twice about joining this credit union who cares more about skirting around potential liability in admitting that their employees may be engaging in inappropriate behavior and hiding behind access being «proprietary» instead of answering a simple question that will allow you to take steps to protect yourself if necessary… they have an obligation to keep your information safe and when merchants’ systems have been hacked, you are notified by them, prior to there even being an issue of a breach with proactive steps that can be taken to safeguard your information; however one of their own threatens to access all of your infomation and they shut down, telling you that you don’t have a right to this information and that there is no proof of any information being utilized inappropriately (I had no proof that my specific account information was stolen in the merchant breach, but they were still willing to do whatever necessary).
Now you can see how they handle their own, internal breaches…

We give up. Having moved from an area where we absolutely loved our credit union, we were looking forward to establishing a relationship with a new credit union here in Tallahassee. Wow were we in for a surprise.
First Commerce may say they are a credit union, but actions speak louder than words. You want to hold all checks for 2 weeks??? Seriously? Keep in mind that we established a Checking, Savings and Business account with this bank, have perfect credit history and a solid banking track record more than 30 years strong. Oh but it gets better. Get ready to get hit with fees that would make a bank embarrassed to dish up. Want help over the phone? Fees. Want help correcting errors they made (and there will be many!)? Fees. Please don’t expect any of the services a regular credit union offers. Most today have inter credit union transfers which are provided for free. Not First Commerce. They don’t have the service, but then can wire funds, with a 10 day wait, for a not so small convenience fee.
The worst part however is their customer service. Now granted, we’ve only worked with the branch on Mahan Dr, but seeing they’ve remained consistently bad I can only surmise this is SOP for their bank. Seems they have been trained to say «NO» first and then eventually get around to actually listening to what you’re asking, if forced. Can you make an adjustment to my account where they charged me a monthly fee on the account I signed up for that has no fees? «No». Wait, what? Did you say no? «Sorry sir. Is there anything else?» Wait, what?
It actually took a senior manager (28 year old girl) to fix this issue, leaving me with a ticked off customer service rep who remarkably became even less helpful from that day forward.
We gave up and finally dumped this bank two months ago. It took me this long to be able to write a review made up of something other than 7 paragraphs of swear words. Funny how We’ve been with FSU Credit Union now for 2 months and haven’t had a single issue. Even the swelling on my face has gone down now that I’m not banging my head on the desk every day from dealing with First Commerce.
Do yourself a favor and go someplace else unless of course you have too much money in your accounts and you’d like a chunk of it to go toward bank fees.