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December 2023 by Noreaster Overland
Been here for 15 years, at the time it was a great move from traditional banks. But the past 3 years or so I have noticed a decline in the system. Not saying their shady but in speaking with people in the industry I think we are going to move.
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August 2023 by Andrea S.
Choose this institution if your banking needs fit neatly into their limited hours of operation and are simple enough for one phone call. Or if you never spend more than $500/day, and never need more than $300 cash withdrawal/day. Otherwise, keep looking. Complicated or urgent needs outside of business hours just have to wait until the next business day at 8:30am. Twice this year, their fraud division contacted me about fraudulent charges to my debit card. This is good. In both cases they immediately shut off the card. Hey, wait a minute... it can take weeks to get a new card via USPS (which they will ONLY mail to your home address), or you can drive to a branch for more immediate needs. Convenient, yes? No! I had a nightmare experience in the second instance. Align left me stranded 100 miles from home, on the first night of a vacation to attend a three‐day music festival starting the next day. It was late at night, I had no cash, no debit card, no checks, and no credit card. Not only could I not pay for my lodging that night, I did not have $20 in cash (only--no Venmo, PayPal, or Zelle) required to get to the actual festival I was there for and had already paid for. Long story, but I ended up missing the entire first day of the fest, driving round trip back home for my check book and a credit card. It was humiliating to be denied cash from my cc at a bank (not mine; and of course no ACU branches near where I was in RI), as I was told I could, and then breaking down in tears right there at the teller window. I ended up writing a check to a person behind me in the teller line, who immediately deposited the check, and withdrew that amount in cash and then gave it to me. Problem solved by a kind stranger, nearly 24 hours later, after being snubbed by my bank who refused to either wire me emergency cash, or to send me a new debit card to where I was (would only send to my home address--not even overnight, but the usual 7-10 business days). Emergency or no emergency, rules are rules! This was a very expensive, traumatic, potentially dangerous experience for which it seems I have no recourse, which I will endeavor to change. I have been an Align member for over 30 years. I have had checking and savings there forever, a home mortgage, a HELOC, and even an inherited trust account. And they do nothing to help me in this case? Luckily I was within driving distance from home! A friend chides me for banking at what he calls my "hobo bank" instead of a real bank that's available to me 24/7 and presumably could have helped me in this instance instead of contributing to the calamity it turned out to be. I'm a senior citizen and identify with the pronouns she/her/hers, traveling alone. As such, I'm vulnerable in ways both obvious and not, and have no one to turn to for help in times like this. Luckily the host of my lodging treated me extremely well, and I enjoyed the last two days of the fest. I didn't expect ACU to treat me like a special snowflake, but to at least TRY to help me. Those I spoke with did not even seem to care, nevermind to help brainstorm a solution or to escalate the issue as it was a dire, urgent matter. Next, I expect to settle all matters with ACU and transfer all my accounts to a bank this time.
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May 2023 by Thomas R.
I got a quick response from Jessica the branch manager at Hale St.She says I need to be named next of kin by the court.I don't think I am being unreasonable by asking Align to accept my marriage license the death certificate and my name as a signer on the mortgage and equity loan and the fact that both have been paid.The amount in dispute is less than the funeral expense.
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March 2023 by Tatiana Gonzalez Reynoso
Do not work for this company . They want you if your on Lunch break not to call anyone if do you have to go outside in the COLD even if it’s winter time . The people who work their are very bipolar and change moods very quickly . If you ask for the reasons for anything they believe your being rude . The company is very prejudice if you are from a different country they will treat you unfairly . If state any opinion that is not fair they will quickly give a quick rude remark . Overall was a very bad experience and I do not recommend going or working there . The people who work there as well leave quickly most people do not last long.
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February 2023 by William D.
We have been customers with Align Credit Union that merged with NE Telephone credit union for over 50 years and their service has always been #1. Recently I was working with Phanna and she continued to provide the exceptional service I have come to expect from Align. Thank you
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November 2022 by Ken P.
My wife and I have been with Align for about four plus years now. Align Credit Union is very much a mixed bag. My local branch in Amesbury is as helpful, competent and friendly as any bank I've ever used. (I'm 65). They're wonderful to deal with. Hanna the branch manager is simply incredible and so are Pam and Jen. However, interactions with the main office and especially the mortgage department historically has felt like I was dealing with a totally different credit union. I've had colonoscopies that were more pleasant. On more than one occasion I've had to go to the Amesbury branch frustrated out of my mind, to rectify issues that were supposed to be handled at the main office. If you're applying for a mortgage or home equity line, for the love of God, stay on top of them or your clothes could go out of style waiting for them. It's truly unfortunate that the incredible customer service experience that exists at the Amesbury branch doesn't permeate to the main office.
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April 2022 by Maura M.
They purchased the credit union I banked at, which used to be great. Experience with Align is no better than you would expect from one of the monolithic banks, which is slow, and bureaucratic. Needed to update my address and have them resend my debit card (which had expired) and the nonsense with them began immediately with multiple calls, inability to login in to an inactive account. total lack of understanding that this a joint account so if the address is updated for my husband then the exact same account should have the same address for me since there is only one account - and they were absolutely zero help. Will be looking for a new bank - it's too bad.
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April 2022 by pitdogfamily
My bank for over 10 years.Love it
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November 2021 by lynn kelly
If you want a genuine person to deal with, make sure to see Soleil (I’m sure I’m spelling her name wrong) . She will treat you with class and respect with a smile the moment you walk in. She will go places in life. Align is fortunate to have her as an employee
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November 2021 by John S.
Horrible bank, disorganized takes forever for withdrawals to post. they want emails from other banks for loan payoffs?? What? call the bank and get the payoff yourself. Working in the stone age.
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November 2021 by Jeff B.
They just don't care. Been with them for 24 years and I'm now ready to bring that to an end. Not sure if they got too big or what but their service has gone from tolerable to just poor. Too many other options out there to have to deal with people who legit don't care. I just felt the need to add to this review. Quick little description of the scenario. The other night around 6p I see there was a charge to my debit card from a local restaurant. Needless to say I was home and not at that establishment so I called the fraud line and the person on the other end then proceeds to tell me she will shut down my card and for me to call the branch in the am to open claim. She tells me she isn't sure why but states the charge was from three months ago. Either way I call, as advised, the next morning and speak to someone that really didn't seem to have a clue of a customers actual rights and proceeds to tell me my card was never shut off. Confirms the charge was from 3 months ago for $50 initially, then $20 tacked on and that to her it was somehow ok that this posted to my account 3 months after the fact. I asked to open a claim. I went back in my text with wife for the day they mention. I was at least able to confirm that I was 100% sure that I did do pick up from that location on that day. I was also 100% sure I did not leave a $20 tip for takeout. She then tells me "oh I'm sorry, we cant open a fraud claim, you need to call the restaurant". I say that's pretty crazy. I was just charged less than 24 hours earlier, and am telling my bank of 24+ years I DID NOT AUTHORIZE THIS AMOUNT and they tell me too bad. Keeping in mind I HAVE NEVER OPENED A CLAIM with them EVER! Anyways, I'm a half hour deep into this, getting frustrated beyond belief and figure, you know what, I'm done. I have accounts with other banks , I'll just end this call, talk with the CEO (wife) and pull my account. JUST NOT WORTH IT. Anyways, before I hang up , I confirm ok , so your refusing to open a claim and your telling me my card is still active. "YES" . Ok ty. Guess what happened the next day when I went to use my card?? YEP it was shut off . So whomever this fellow is that replied to this review , he obviously doesn't care either . I did have to call them again and I did get someone else and they did confirm my card was shut off from my original call. She then offers to help. I say oh, I didn't think you could help. Last person actually refused to help. She apologizes, says she can open a claim. I said I know that, but for the $20 that I was disputing and the now hour I've invested into this I just don't want to talk to Align anymore. I confirm card was being sent out. She says yes and apologizes again. Great. I get my card a week later and see they charged me $10 . LOL , Seriously I cant make this up . 24 years. never opened a claim, refused help, am lied to, go without a card for a week and then I get charged $10 Yep. As I said. There are many banks that will love to help you . I have accounts at Northmark Bank and NESC credit union and the difference in service is not even comparable. I can't believe I just took even more time to write this. I never write reviews but I just feel like I had to say something. If I could give no stars I would
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October 2021 by Kerri D.
Customer service by phone is awful! I don't have my account number with me and they said the only way they can look up my account for me is by visiting a branch. Really?! My SS #, address, DOB won't do it?! Ridiculous.
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January 2021 by Danielle D.
Your lobbies have been closed a good part of the year. I belong to multiple banks and they have been open and have allowed for in person banking despite the pandemic. I inquired about opening a new account and I was given the option of doing this through the drive through, however, that just does not sit well with me. I will not be opening up a new account there. This credit union has been less than convenient, as the window is only open for a few hours during the day and unfortunately people cannot get there, as some are still working . The drive through window is a long wait and even if I chose to go to the drive up during my lunch hour I would never make it because of the wait time. A lot has happened this year but the credit union has not made changes on their end to make banking there more convenient and accessible. Again, I will not be opening up a new account and will more than likely close my existing account.
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December 2020 by Nicole S.
Don't bother applying for a mortgage there.... I was able to get preapproved and decided to proceed with them. After trying to reach out to them so with so many times through emails and many voicemails, I decided to just go with JDCU who has been very helpful and quick to respond to all my inquiries. Don't bother going there. Not worth it. Also after speaking with one of the staff, they're very short staffed on the mortgage/loan team. But still, should not be an excuse to neglect any applicants or not respond to their emails and voicemails. Just do yourself a favor and go to JDCU.
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December 2020 by Shannon O.
If I could leave ZERO stars I would. Align has been nothing other than a HORRIBLE NIGHTMARE to work with since MAY of 2020 and we just cut ties TODAY. 7 MONTHS LATER. My husband and I applied for a cash-out on our home. We submitted all of the required paperwork mid-May, and went WEEKS with little communication, figured it was COVID, we should give them the space and time they need. This was until we got an automated message back mid-September that out loan officer was out of the office and to contact the manager, which we did, and received radio silence. It should have been our first red flag that told us to run, but we stuck it out. We waited weeks, we called for weeks and nothing. Absolutely nothing. I spoke candidly with the secretary, and they informed us that our loan officer was no longer working with Align. We waited weeks for a reply from an officer who was no longer employed and the manager just blew us off! Radio silence! That is until one day our the new loan officer contacts us and told us he would be working with us. Great! Finally someone! But not to mention he called my husband by the wrong name multiple times and frequently got our details incorrect. He told us all of our materials expired and they had to re-run our credit. Absolutely unbelievable. This back and forth went on for weeks, they even tried to get us to cover the cost for our appraisal being expired! WHEN THEY WERE THE ONES DELAYING AND CAUSED IT TO EXPIRE. Absolutely unbelievable. They were nothing but a headache from the beginning. Buyer beware. We will be closing all of our accounts and will NEVER speak their name unless it is with a caution, ever again.
