I wasn't expecting much due to the reviews. I had researched and this is financially a good credit union from what I read. I went to the location on Flamingo and Ft. Apache that was a little hard to find. But the customer service was the best I have ever had at any bank. Krystin was awesome and explained everything to me for a new account. Showed me how to use online stuff. We made sure the card worked by showing me the ATM. A great experience. Seems like they care a lot to me.