Firstmark Credit Union

I want access to my full transaction history. Transaction history is cut off every time you change 3rd party online banking providers. This is true for the app and all other electronic means of accessing my account. You don’t send cleared check copies or return cancelled checks anymore, but I still need to refer back to details of posted drafts, as well as all other types of transactions from time to time. **All** other financial institutions I have dealt with, past and present (all the way back to CheckFree in the 1990s before banks had online access), have made my electronic data freely accessible for a minimum of 10 years. That is also a problem for accessing check images of all checks we have written that are cashed at any Firstmark location, as well as at certain merchants (e.g., H-E-B). Those images are **never** available online or in any other digital format (some kind of OCR that lists payee and date check was written as well as the date posted, draft number, and transaction amount. I don’t get hardcopy cancelled checks either. Sometimes my check stubs don’t agree with your posted data…then what? Does the FTC really allow that? I also want to add notes to any posted transaction as I can with my other CU app and online access. I also want to end world hunger, but I doubt any of my wants will come to any satisfactory conclusion.

Many things have changed since when it was a teacher’s credit union, it is slowly becoming more like a bank than a credit union... new policies that can be found in Wells Fargo and Bank of America are slowly being added to Firstmark Credit Union. The app has several quirks and too many tabs that do not explain what is and what it is not, and if used it is a penalty for using it. Automated when texting to the bank instead of a response many times is discouraging when needing help immediately with your union account.

I’ve had the WORST experience with Firstmark CU online website and mobile app. Since I only use FCU for my auto loan, I only have the minimum $5 in an account. However, the only way to make an online auto loan payment is to deposit money in that $5 account. My issues.... there is no auto loan “make payment” online feature. Nor is there an online/mobile app feature to easily deposit money. Phone Customer Support explained my options to make payment were to come in to bank, post office mail payment (who does those two anymore), call in and “talk” to support to make a payment or set up external account to deposit money in account. It boggles my mind on how archaic their online features are. For me convenience is a must and for that reason, I am considering refinancing my auto loan with my credit union. I will be 50 this year. I’m in the older age group. So when I say (no offense) you have to be an older mature person to enjoy this Credit Union, I mean older person who probably still uses a flip phone or home phone still. For now, I’m in the middle of setting up an external account. So far it’s been a normal “3 business day” process to verify accounts. I’m hoping this will help my online payment process. Stay tuned..... I’ll give my rating on how long the process takes to deposit from my day-to-day bank to this CU. Should there be other suggestions that will make my online auto pay convenient, DO TELL.