Carolina Trust Federal Credit Union

Reviews

• LM

  leeann McDonald

  Aug 5, 2026
  5.0
  Always taken care of when I do my banking in a friendly manner
• BM

  Bryan M

  Jun 26, 2026
  1.0
  My first experience with Carolina Trust Federal Credit Union was extremely disappointing and frankly unacceptable. I bank with another co-op credit union, which allows members to complete certain transactions at participating co-op credit unions while traveling. My home branch identified Carolina Trust FCU as a local co-op option, so I visited expecting basic professional service. Instead, the experience was poor from the start. At this branch, customers apparently have to wait outside until staff unlock the door for each person entering. Once inside, the service only got worse. The tellers came across as irritated, dismissive, and clearly uninterested in helping. The attitude and customer interaction were disrespectful and unprofessional. When I asked about completing a Visa debit withdrawal, the teller simply pointed me to a QR code and told me to scan it and figure it out. That is not customer service. That is not member service. It is especially unacceptable for a credit union participating in a co-op network, where visiting members may reasonably need guidance on available transactions and branch procedures. Based on this experience, Carolina Trust FCU does not appear prepared or willing to serve co-op credit union members with basic professionalism. The staff interaction, attitude, and lack of assistance were unacceptable. I would not recommend this branch to anyone relying on co-op credit union services.
• LC

  LaTashia Clark

  May 19, 2026
  5.0
  Been with this company for almost 20 years. Great service, great loan plans, and they understand life situation and are willing to help anyway they can. Love them.❤️💯🤑
• BD

  Bill Doyne

  May 1, 2026
  4.0
  The employees are always friendly and helpful. I've finally learned to use the 🏧 to make deposits. But it's not the same as dealing with people. I'm old school.
• KS

  Keith Stewart-Sweat

  Mar 5, 2026
  1.0
  FOR ANYONE READING THIS REVIEW, READ MY WIFE'S REVIEW FIRST AND SEE CAROLINA TRUST'S RESPONSE! My wife and I opened checking and savings accounts on February 20th. On February 22nd, I logged into my external accounts—any company that auto-drafts monthly—to change the payment method to the new accounts. On February 23rd, Kathy called my wife regarding my login activity. There was no verification process to confirm she was actually speaking to my wife. Red flag. My wife told Kathy she wasn’t sure exactly what I had done. Kathy then called me. Again, no verification. I gave a high-level explanation of my activity. She mentioned a VPN being used. I explained that I have a bachelor’s degree in Computer Science with a minor in Cyber Security, and that APIs used by companies like Plaid and Trustly can sometimes appear as VPN traffic. Kathy said she didn’t understand what I was referring to (which is understandable) but would pass it along to their “compliance department.” My login was temporarily locked. On Wednesday, February 25th, Kathy called again. My login had been blocked once more. She stated there had been a login at 5 a.m. that morning from a laptop in Chicago using my credentials and multi-factor authentication. In their response they claimed they “offered multi-factor authentication and additional security options,” which is inaccurate. With my educational background, MFA is something I immediately enable on everything I use. During that call Kathy said, “Mr. Stewart-Sweat, our compliance department has to figure out what YOU are doing.” I again explained in detail what I had done. Kathy responded that she still didn’t understand but would pass it along and get back to me. In their response to my wife they said, “Our intention was never to blame your husband.” That statement is false, because throughout this process that is exactly how the situation was presented. From Wednesday, February 25th to Monday, March 2nd I heard nothing. I wasn’t concerned since we hadn’t even received our debit cards yet and the auto-draft updates were already done. On March 2nd I received a call from Stacey at the Little River branch. She said, “Mr. Stewart-Sweat, I have some bad news. Your login has been permanently banned.” I asked if that meant the specific login. She said no—it meant I was permanently banned from using the app or website at all. When I got home, my wife was waiting on a call back from Kathy. My wife began the conversation respectfully, but Kathy repeatedly interrupted her when she tried to speak. Again, the claim that they were not blaming me is inaccurate. That is exactly what happened throughout the process. To end the conversation, my wife said we were on our way to close the accounts. Kathy replied that it was our right to do so. We drove over and closed the account. While my wife waited in line, I stepped outside and called Anderson Brothers Bank. No appointment needed. I also left Kathy a message requesting the information their “compliance department” supposedly had. I never received a return call. Once home, I repeated the same process linking external accounts with the new bank. Guess what? No phone calls the next day. ABB also told us that if login credentials were ever compromised, they would simply wipe the login and create a new one. Exactly. Finally, regarding the “compliance department.” In our line of work (my wife also has a bachelor’s degree in Computer Science and works as a Network Engineer), we’ve worked with schools, state agencies, and Fortune 500 companies. When organizations refer to “our compliance department,” it often means a third-party outsourced service that they do not want customers interacting with directly. That is speculation, but the lack of transparency raises additional concerns. The lack of identity verification, blaming the customer, permanently banning access to online banking instead of resolving the issue, and the overall communication throughout this process, are what we dealt with in 10 days of banking with them. I cant imagine what other problems they have.

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