r/creditunions

Hi Friends,

I hope you're all doing well.

I wanted to reach out regarding a recent experience I had while trying to link my credit union with Plaid for an ACH/Debit purchase. After linking my account successfully, I selected my checking account. However, after a few days, I noticed the payment bounced as it pulled from my member savings account instead.

I double-checked the merchant website, and it’s still showing my member savings account number. So, I went through the process again to link it to my primary checking account, yet the same issue persists.

This is my first time navigating the linking process with a credit union and Plaid, and I’ve always had smooth experiences with banks in the past. Although I plan to try manual verification through micro-deposits instead of linking electronically, I’m concerned about what might have gone wrong.

Thankfully, it was a small amount, and my credit union was kind enough to reverse the fee, but now I need to address the situation with the merchant.

Has anyone else experienced a similar issue? Any advice would be appreciated.

Thanks!

Hi guys, so I have been using TD and i recently got triangle’s reward and their Mastercard. I’m still new to understanding how all these banks work but anyhow TD has been the worst account I ever had in life. I want to get a no fee account. I don’t earn a lot, i withdraw cash sometimes and make less than 10 or almost 10 transactions per month.
I have heard a lot about Simplii and tangerine but I’m still not so sure how they work.

I used to work for a credit union on the east side of the U.S. that was state chartered and their Bylaws stated that eligibility, i.e. field of membership, applied to anyone who lives, works, worships or attends school in that state. But there was no definition of what actually qualifies as 'worship'. So, if I live one state over and I step over the border, raise my arms and shout, "Hail Lucifer!" then quickly step back across the border, can I now claim that I worship in the other state and therefore qualify for membership? Yeah, I'm giving an extreme example, but if worship isn't defined, then what does it really mean? Worship what? Worship when? Worship for how long? Do I need to do it more than once? Can I claim that I am constantly worshiping the Flying Spaghetti Monster in my heart and therefore qualify for membership? To my knowledge credit unions with this sort of language don't actually confirm the details of your worship, so isn't it all pretty meaningless and absolutely anyone can qualify for membership? I know the banks would be apoplectic if it credit unions abandoned being limited to their FOM, but aren't fields of membership pretty much meaningless these days anyway? Even when I was in the game I know some CUs were setting up charitable foundations and slipping it into their FOM that members of the foundation can qualify for membership in the CU. One might even say that the charitable foundation was created specifically so they could do this, essentially making anyone on the planet able to fit their FOM.

Any insight would be greatly appreciated.

Ok help. I got a check from Fidelity and I mobile deposited it into my bank. The funds showed up on my account and then were immediately taken out. I was charged a fee for essentially a bounced check I guess? I called the bank and the said there was an error code "Return to Maker" and said I needed to call Fidelity. So I called Fidelity and they said it shows the funds cleared and I need to call the bank. I've been going back and forth with each of them since October of 2025 (now august 2026). I think I get somewhere, but they have to do an investigation and it could take 3-4 weeks so I wait. And then I hear nothing. I've even three way called the bank and Fidelity so they could speak to each other ( neither institution can call each other apparently). They spoke to one another, the bank manager wrote on their letterhead (which Fidelity requested) ​that there are no funds in my bank account. The bank even sent screenshots of my bank account to them to prove that the funds did in fact NOT clear. I've called HR at my former job. I've done everything I can possibly think of and here we are months later with literally just a "bummer, it's their fault" response from both institutions. Now what? Is there someone I can call to have the bank or Fidelity investigated? I'm for sure closing my bank account, but I don't want to do that until I have done everything I possibly can to get MY retirement money back. What do I do? Please help me, good people of reddit

**It's a credit union not bank, sorry!