Desert Schools Federal Credit Union

If i could give negative 5 stars, I would.
Here’s what I experienced in a year and a half with this «bank»:
— They dinged my credit score when I opened my account, not once, but twice. How, you ask? The initial «credit union» check, and then I declined to apply for their credit card, yet a week later got a «pre-​approval» in the mail, which I ignored, and when I checked my credit there was an inquiry for «applying for the card». What?!
— On attempting to cash in some savings bonds, the teller took 20 minutes (!!!) and nearly deposited it in the wrong account. It was lucky she tried to address me as «Stephanie» or else somebody else would have gotten my money. How exactly do you screw that up when you have both my debit card and drivers license there?
Stone-​age technology:
— Their website is ALWAYS down. My God. At least 3x a week.
— Their email does not work. I tried to close my accounts (and I refuse to do it in person or online, because I don’t want to listen to their spiel to get me to keep it open) and the email bounced back. Professional, eh?
— You can’t do ANYTHING over the phone, so when the website is down, either drive to a branch or you’re screwed. I was in Vegas, away from a computer, and had to call and give my login info to a friend to transfer money to my checking account. This is ridiculous.
And the piece de resistance, the re-​arranging of transactions. I log in one day, expecting to have one NSF fee from an emergency purchase, and see my account is negative nearly $ 300. WHAT?
These bastards had 1) hit me with an NSF fee when I was $ 61 positive, then 2) re-​arranged several days worth of transactions so the largest hit first, causing another NSF fee (which only happened because of the missing $ 35 from their first false NSF fee!), and then the whole thing just cascaded into oblivion.
I am so beyond pissed at Desert Schools. I refuse to deal with them anymore. These s***heads can keep calling/​mailing every day, turn me into collections, whatever, but I just walked away and am not paying for any of their bullshit charges.
I switched over to Wells Fargo (who does NOT rearrange transactions, and all pending transactions show up immediately online) and am much happier.

I was a customer with Arizona State for many years, but when they moved further north than they already were, it was just too far for me to drive to cope with a staff that seemed to have difficulty processing my lone monthly business check. So I joined Desert Schools instead.
I’m happy to say the drive is much shorter, but incompetence still prevails. My first week as a customer, I got a call informing me I need to change my password because a bank employee accidentally wiped it out. What? A month or two later I was credited with a deposit I didn’t make. A month later, the error was still not caught, so I notified Desert Schools, and was advised where the deposit was made (a branch nowhere near me), and that additional research would come with a fee. Let’s just say I stopped being nice at that point.
I did meet at one point with the assistant branch manager regarding their security measures, or lack thereof it seems. She happened to mention they had recently changed to a new computer system. If this is an improvement, their old one must have involved punch cards. It takes FOREVER to run a deposit, even a single check.
And keep your eye on your account. Their account numbers are consecutive (who does that?), so it’s easy for an error to be made, and since only a partial number is printed on your receipt, you won’t know who has your money until you verify it later.
With lower interest rates, if that’s even possible, than my previous credit union and fees for using non-​Desert Schools ATMs, I can’t say I recommend Desert Schools. But, it’s too much hassle to change everything to a new bank again.