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  • If i could give negative 5 stars, I would. Here's what I experienced in a year and a half with this "bank": - They dinged my credit score when I opened my account, not once, but twice. How, you ask? The initial "credit union" check, and then I declined to apply for their credit card, yet a week later got a "pre-approval" in the mail, which I ignored, and when I checked my credit there was an inquiry for "applying for the card". What?! - On attempting to cash in some savings bonds, the teller took 20 minutes (!!!) and nearly deposited it in the wrong account. It was lucky she tried to address me as "Stephanie" or else somebody else would have gotten my money. How exactly do you screw that up when you have both my debit card and drivers license there? Stone-age technology: - Their website is ALWAYS down. My God. At least 3x a week. - Their email does not work. I tried to close my accounts (and I refuse to do it in person or online, because I don't want to listen to their spiel to get me to keep it open) and the email bounced back. Professional, eh? - You can't do ANYTHING over the phone, so when the website is down, either drive to a branch or you're screwed. I was in Vegas, away from a computer, and had to call and give my login info to a friend to transfer money to my checking account. This is ridiculous. And the piece de resistance, the re-arranging of transactions. I log in one day, expecting to have one NSF fee from an emergency purchase, and see my account is negative nearly $300. WHAT? These bastards had 1) hit me with an NSF fee when I was $61 positive, then 2) re-arranged several days worth of transactions so the largest hit first, causing another NSF fee (which only happened because of the missing $35 from their first false NSF fee!), and then the whole thing just cascaded into oblivion. I am so beyond pissed at Desert Schools. I refuse to deal with them anymore. These s***heads can keep calling/mailing every day, turn me into collections, whatever, but I just walked away and am not paying for any of their bullshit charges. I switched over to Wells Fargo (who does NOT rearrange transactions, and all pending transactions show up immediately online) and am much happier.
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