1st Bergen Federal Credit Union Main St, Hackensack, New Jersey

1st Bergen Federal Credit Union Reviews

4.1 stars based on 13 reviews

Featured Comments:

• B

  Boss Mon L.A

  5.0

  Awesome bank. Great employees and great customer service. Best local bank in New Jersey. They have a variety of helpful programs and services for the community which is awesome. #5tar ⭐⭐⭐⭐⭐ 👍👍💰

• I

  Isabel Almonte

  1.0

  You responded to my first post but it looks like I cannot respond back. That’s not the issue. Don’t tell me that other banks do this. With Chase for example, if the account goes into the negative, I have until 11PM that day to bring the account back up into the positive before they charge me the No Sufficient Fees. What your bank is doing is gross. If I get direct deposit today let’s say at 4AM it clears, but an automatic payment comes in at 3AM or 12AM, you proceed to charge that fee. It’s just a few hours difference within the same day. I cannot control at what time I get deposited and at what time another business decides to withdraw; the point should be that IF during the same day I make the funds available, that same day, then why are you charging me. Why don’t you decline the transaction then? If the funds aren’t there, and you won’t proceed to pay the item, then decline it! Instead of declining the transaction, you prefer to let it hit the account just to charge that fee and it’s really gross. I’m switching my direct to a different credit Union that doesn’t do this mess or back to Chase it is because honestly it’s disgusting.

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  Response from the owner

  Hello Isabel, In accordance with The Truth in Savings Act, 1st Bergen provides every member a fee schedule — outlining and explaining all fees — when they open an account. It’s important that our members review the fee schedule and their account agreement carefully so that they understand any potential charges they could face. The fee schedule can also be found on our website at this link: https://1stbergen.com/fee-schedule/ We would like to work with you on this issue and ask that you please contact our branch manager at 201-968-0202 to discuss this matter further.

• Y

  Ysabel Almonte

  1.0

  The customer service is great. HOWEVER the institution are thieves. So get this, let’s say your account hits the negative, they manually return that item, meaning they won’t pay it. AND then then proceed to charge you a $25 fee. I would understand the $25 fee if they paid the item and my account stayed in the negative. But to proceed to charge that $25 even though they never went ahead to actually pay that item is just disgusting. Avoid this bank at all costs.

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  Response from the owner

  Hello Isabel, We are sorry to hear that you are frustrated with our Nonsufficient Fund Fees. It is common practice for banks and credit unions to charge a fee when an account has insufficient funds to cover a transaction, even when overdraft protection is not available. In accordance with The Truth in Savings Act, 1st Bergen provides every member a fee schedule — outlining and explaining all fees — when they open an account. It’s important that our members review the fee schedule and their account agreement carefully so that they understand any potential charges they could face. The fee schedule can also be found on our website at this link: https://1stbergen.com/fee-schedule/ Please contact our branch manager at 201-968-0202 to discuss this matter further.

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