I’ve been a longtime member but am fed up. I’m closing my accounts.I always loved this credit union and recommended it to others. The best thing about it was their customer service. I could always get someone on the phone within 2 minutes and they were helpful and service-oriented.
ATM visits were free, and there were multiple ways to deposit checks: mail or phone. Whatever way you used, the funds were available immediately. The online system was old, but totally worked.All that has changed in the last year. Now you can only deposit checks by phone; if they can’t read the photo of your check, you’re out of luck.
Worse, the funds are no longer available immediately. The entire online system was redesigned and it’s been impossible to access since. I had to set up all my accounts again, my husband was locked out of our joint account for months, and our recurring transfers from other banks were all cancelled.
This all resulted in some very challenging bill-paying for a couple months, and two returned checks.The worst part is that the customer service, which used to be incredible,has gone down the tubes. Now no matter what time of day you call you have to wait for 15-20 minutes because “we are experiencing high call volumes.”
Messages sent to their online help center are never acknowledged or replied to. And the agents are no longer service-oriented. I just called to alert them to the fact that they’d charged me an overdraft fee twice for the same returned check and the agent told me smugly: “that’s part of banking.”
She offered to refund it as a “one time courtesy, but know that if this ever happens again we will not be refunding it.”I’ve been a customer for the better part of a decade and usually keep my accounts in 4 digits.
The only reason I had a returned check was because a) deposits are no longer available immediately and b) I can no longer link my accounts or do automatic transfers. So my math was off by a few dollars on paying my PG&E bill this month, and my bank charged me *twice* for the overdraft fee. And next time that happens, I’ll be out of luck? Yeah, there won’t be a next time. Bye.