August 2021 by Christian B.
My honest review of Polish national credit union, satisfied but not impressed, happy but not overjoyed, which is why I am changing my direct deposit majority back to Capital One. Polish national credit union - The app sucks, seriously, it is in the dark ages with too many unnecessary buttons making navigation and functions far too complicated and challenging, and not enough of the new functions you should be getting from a mobile banking app, like facial recognition to sign in for example - every time you sign into the app you are required to input your password followed by the answers to both of your security questions, i find this to be incredibly irritating - not to mention how ugly it looks, the layout of the app is less than pleasing to the eye. But what did ir for myself and my husband is that after only about three weeks of banking with Polish national credit union, last night, while reviewing finances before bed, my husband and I were stunned to see that our account was overdrawn by more than $100 because of transactions that had apparently not been processed even remotely close to their date, transactions from a week ago processed late causing ridiculous additional charges and fees, and we received no notification be it by text message or a phone call, or notification from the app itself, which resulted in a $40 overdraft charge to our account. In three years of banking with capital one this had never happened to us, and can positively say that frankly, we didn't have a bad experience working with Capital One, just figured we'd jump on the Credit Union wagon, - and would have called us immediately, day or night, and they certainly would not have charged us a overdraft fee - they have no fees, something people claim about Credit Unions but apparently is a lot of bs. Basically, for all the raving that credit unions get, Polish national credit Union falls quite short of the mark that we expected from them. Not again. We will be returning to Capital One for our majority banking.
