Been banking with SSSCU for almost 20 years and have seen a MAJOR deterioration. They change their rules on a daily basis and depends on who you talk to at the call center (which is the absolute worst). Very disrespectful to their customers. Tellers are rude, you can't get near the branch manager by phone or in person. I wrote a formal letter with concerns regarding their excessive fees and horrible customer service - never got a response. Bill Pay is a nightmare - easy system to use but they will manipulate your account to incur as much fees as possible. POOR! POOR! POOR! There was a time this bank cared about you as a person - NOT ANY MORE!  They closed many branches and shortened their hours to make it extremely inaccessible to their customers. Mark my word - they will be out of business soon!  I am in the process of changing banks - moving all my direct deposits.  All banks have their issues but this one you may want to avoid.