IFCU has been the worst bank I have ever had the unfortunate experience of dealing with. On multiple occasions, my money has been made unavailable to me and the only reason I have been given was ""maintenance"". This, combined with their horrible customer service and the nasty stomach feeling you get after speaking with each of them, has led me to seek other financial options. If you are looking for a small town, friendly bank that you can trust, do NOT use IFCU. They will hold your money for no reason, and spit in your face while they do it (metaphorically, of course, but still pretty damn close). Please avoid using them. I was stuck on the road with my family 60 miles out of town because I ran out of gas and IFCU decided to decline my transaction. We had to wait for 2 hours for another family member to reach us. We're just happy it wasn't cold on 4/29/13. Do not bank with Independent Federal Credit Union!