I can't speak to that, but obviously would not disagree that you've had bad dealings with them. I only have my auto loan serviced through them, but thus far, they've been great for me. I do my regular banking with my old bank I've been with for decades.Well I wouldn't go so far as to say TFCU, I hate them. Last year I stopped in Ardmore and got a $5 burger, card denied! I called them and was told it was because I was out of town! And about 20 other things I want go into. Well maybe one, made a deposit a while back in drive thru and girl got snappy with me and told me I had to take my sunglasses off for her to make the DEPOSIT!