“I'm a member and I'm stuck on Staten Island with no gas and nomoney due to MCU not crediting my account with a pension paymentfor direct deposit,” said a furious Municipal Credit Union MemberNatasha Godby. “I see many others have had the exact sameproblem. See the comments on your site. This is horrible.”

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More than 20 people identifying themselves as MCU members haveposted angry, critical comments about New York-based MunicipalCredit Union's issues with failing to credit direct deposit checksto members' accounts, no phone customer services, inoperable ATMsand problems with online banking.

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Michael Mattone, a spokesperson for the $1.8 billion MCU, saidthe power outage caused by Hurricane Sandy shut down its mainservers located at its headquarters at 22 Cortlandt St. in lowerManhattan, which still has no power, four days after the hurricanelanded in southern New Jersey with devastating effect there and onNew York City and Connecticut.

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What's more, MCU's backup servers also were rendered uselessbecause they are housed in New Jersey.

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However, Mattone said the direct deposits are being manuallyprocessed by MCU employees and will be credited to members'accounts Friday evening. Mattone could not give a specifictime.

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The direct deposit check issue affected 1,600 members, thecredit union said. MCU has about 340,000 members.

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“For those members who are in a traditional direct depositcycle, meaning their direct deposit is made at the first of themonth and the 15th of the month, the way we process the directdeposits is that we have the funds pending when we get theinformation from the respective agencies and it takes a day or twofor that direct deposit to clear,” Mattone said. “Because oursystems went down before the money was able to clear, the fundsnever showed that they were available to our members' accounts andwere still in the pending stage.”

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MCU had generators delivered to their Cortlandt Street site topower up the servers that allowed employees to access the directdeposit information and manually process the direct depositinformation to clear and post on members' accounts.

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“The latest update I received was that members should havetheir deposits by Friday evening, and we are working round theclock to get it done as fast as we possibly can,” Mattone said.

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As far as members being charged overdraft fees, late fees orinsufficient funds fees as a result of the direct depositprocessing problem, Mattone said: “Our priority right now isgetting the deposits cleared, and once we are done with this wewill have our plans in action to assist members who had feeissues.”

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Mattone said MCU's phone service, outside of recordings tellingmembers which branches are open for services, is not workingbecause of the power outage. The credit union's call center is atthe Cortlandt Street site.

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“With the limited power we have, we have dedicated our focus togetting all of those critical employees in to get our website upand running again, to clear all the payroll and direct depositchecks that haven't been cleared, and to staff the branches toserve our members,” he said.

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Mattone said MCU's websiteand ATM are working.

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“Any member who has signed up for online banking can do onlinebanking. From my understanding, the ATM problem is a case-by-casebasis,” Mattone said. “Members that had that problem one or twodays ago don't have that problem anymore.”

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