I have been a member of Desert Schools for over a decade now. At first it was great. The service was awesome, always plenty of tellers ready to serve members, even the NSF fees were about half that of a regular bank ($16 vs. $30+.... because sometimes things happen). Now, it's becoming a pain to bank here. If you must go in and conduct business, there's usually no more than two tellers available (it's starting to remind me of the post office). Also, their fraud prevention is EXTREMELY tight, and it makes it seem like they are more about inconveniencing members than actually preventing fraud. I discovered this on a trip to Michigan a few years ago. I went to check in at my hotel and my card came back declined. I had plenty of money in my account so I knew it had to be a bank problem. So when I got through after a rather lengthy wait on hold, the representative would not help me unless I could tell her the amounts of my last two deposits and the exact dates they were made. Now this is what I'm talking about... who would know that? Seriously? I could give a ballpark number and dates, but to be that exact when I didn't have my statement or computer to check? I offered to give her some other form of identifying information, including my SS# or my last two addresses, but no, it had to be the deposit information. So I had to hang up with her in order to use my phone on the hotel's wifi and check (and that was real fun getting the hotel manager to give me the password before I had checked in). Then I called back and was finally able to be helped. Turns out that at Desert Schools, if you are going to travel outside of your home city, you basically must get their permission to use your own debit card. You need to tell them WHERE you're going and the exact dates you'll be gone. I'm all for preventing fraud, but this just feels wrong to me, and I really did NOT appreciate standing at the hotel reservation desk for an HOUR dealing with this BS. Oh, and the kicker is that Desert Schools does NOT offer 24 hour assistance, so if you're needing to call and get their permission to use your own debit card, you had better make sure it's within their business hours, otherwise you're sh*t out of luck! As was the case tonight. I wanted to order some deeply discounted PC games from a company based in Europe, so my card was automatically declined, but there was no way for me to call this ridiculous bank and get them to allow the debit to go through. The sale ended at midnight and I have no other Visa, so Desert Schools caused me to miss out. I am NOT happy about this at all and I think it's time to switch banks. Considering there is no benefit to staying with DSFCU compared to a bank like Chase or Wells Fargo (they have 24 hour customer service lines), I am just going to make the move. Even their NSF fees have climbed to match the others ($35).