Alta Vista Credit Union

The folks at Alta Vista are friendly enough (especially their tellers), but their policies leave much to be desired. Be sure to read their online banking agreement. If you have bills set to pay and don’t have enough in your account to pay them, they will «courtesy pay» them to the tune of $ 29 each even if they overdraw your account. So you have to watch it like a hawk or else any further debit purchases will also rack up the $ 29 charge.
Yes, I watched my account but had another bank mistakenly draw an ACH on my Alta Vista account the same day I had 5 bill pays scheduled. $ 29×5 = $ 145, even though it was the other bank’s clerical error. I had plenty of written evidence, and the manager, whom I did not get a chance to speak to since the receptionist was the one delivering my issue, only decided to credit my account for half. Yes, they wanted to make $ 72.50 off me because they could.
Additionally, this problem froze my access to bill pay so I was now late on several other bills that were supposed to process the following day. So that was the day I decided to close my account and go to Chase, whose mobile deposits show up immediately (Alta Vista took 1 – 2 days), and whose bill pay sends an alert when your account does not have the funds to pay an online bill… no «courtesy pay» (read: profit opportunity) here.