paul wheaton wrote:
When I moved away from missoula, I switched banks. I am now hooked on the US bank bill pay stuff. How does the bill pay stuff look at MFCU?
Here's the main difference: You are not a customer at MFCU, you are a member
. In other words, you join a cooperative of other people from Missoula, Ravalli and Lake Counties who have joined together to provide financial services to one another. In many service related ways, it seems like a bank. On-line bill-pay--you bet, along with on-line statements and a host of other paperless ways of doing things. Checking accounts are called "Share drafts" but it is essentially the same thing. Savings accounts are called "share accounts," but they pay interest. Need a safety deposit box? They have those, too. Savings insured by the federal government's credit union overseers just like bank deposits. MFCU has credit and debit cards (their debit card is part of the nationwide Co-op Network which means when you travel, there is no fee at Co-op Network ATMs. Last year when I was in Chicago, there were 14 Co-op Network ATM's within three blocks of my hotel! Before you travel, look up where the ATM's are and take a map with you!). There are mortgages, auto/RV/boat loans, commercial loans, and other financial services. I can't say that members NEVER have problems, but MFCU staff will always go the extra mile to try to fix what isn't right.
This sort of is a commercial because I was on the MFCU Board for ten years and I'm on the MFCU Supervisory Committee currently.