I wanted to like this credit union. I've had posit...

I wanted to like this credit union. I've had positive experiences with the tellers. I'm so frustrated by their archaic systems. I opened an account here separate from my husband's just for myself. I use this for my own spending money or surprises for him. My account is constantly bouncing around. I plan to close the account tomorrow. Everything bounces due to "insufficient funds" but then give it a day or so and it all levels back out and I see the refunds for the insufficient funds. The balances are completely inaccurate when you have pending transactions. It is beyond frustrating. I'll check my balance and see next to nothing in there then the next morning the totals come back up to what they should be. If I try to use my debit card while the balances are seemingly low (even though they're not really!) it will be denied. So many things have bounced because I have multiple pending transactions and it lowers the available funds to next to nothing until it finalizes and gives you access to your money again. It's caused so many unnecessary headaches for us. I've never had this problem with any other bank or credit union. Again, I wanted so badly to like them because the people I've encountered are friendly but they're so behind technologically. Also ATM's are archaic and depositing money/checks takes forever to hit your account if you use the ATMs.