Beginnings Credit Union - Port Watson Branch - Cortland Jessica Duffy: App doesnt ever work, no matter uninstall, reinstall, update. Website is down more than half the time when I need to access my account information. No automated way to handle my account. Nobody answers the phone outside of business hours. Their debit cards dont work, and then they charge YOU $10 to replace them, and make you wait for 45+ minutes. Try SoFi banking instead.