Metro Credit Union

If I could give zero stars I would. I brought a cashier’s check to Boston to close on a house. Metro will not take a cashier’s check without a four day hold. I have banked all over this country and never had a hold on a cashier’s check. That is the point of the check — no hold!

It’s unfortunate to write this because I do enjoy the waived ATM fees, clean and friendly atmosphere at the branches, but my experience with the stuff that really matters was terrible.
I have a mortgage for a house in Chelsea and wanted to refinance with Metro in June, 2015, both because of the lower rate and wanting to support the local credit union. I went into this branch and the mortgage specialist (MH) I sat down and spoke with acted like she was selling me a used car. She was dismissive of my questions and pressured me to apply quickly. She also «guaranteed me» that I’d be approved given my home appraisal when I purchased it in January, 2014.
Against my gut-​feeling after this encounter, I did apply and paid the $ 500 application fee. They sent an appraiser out to my house, who literally spent 2 minutes looking through the entire place. The report he then gave to Metro had an appraised value that was $ 30,000 LESS than the appraised value when I purchased the home 18 months before. I found this astonishing considering home values in Chelsea have only been increasing.
I proceeded to speak to a VP (DF) in this branch about the issue and provided her and the mortgage specialist with a copy of my original 2014 appraisal. I also provided a copy of a recent appraisal performed on a comparable property around the corner of my house, which I obtained through a friendly connection, which showed a substantially higher $/​sqf. Based on these documents I formally disputed the appraisal.
Well, the two of them couldn’t have cared any less. They sent my dispute to the appraiser, who predictably didn’t change his figure. I then received a letter that I hadn’t been approved for the re-​finance because the ratio of what I owed to the appraised value was too high. There was no offer from Metro to have a different appraiser look at the property considering this enormous discrepancy in appraised values and certainly no offer to refund any of my application fee.
Most disappointing, there was no personal touch you’d expect from a place that considers itself «local.» They didn’t advocate in any way for me and just wrote me off as soon as the numbers didn’t stack in their favor. I won’t be looking at Metro for any future financing.

Great place to bank. Lots of lending and savings options with great rates. Call ahead to make an appointment for a mortgage unless going to the main branch in Chelsea.

Worst bank I ever have, website, apps never ever work when you need it, shut off your card when you out of town even tho you call to tell them you going out of town a week ahead just so they dont shut it off but they do it anyway,

Best bank ever. I have never waited in line. The pay all my ATM fees back to me. You speak to a human who can think freely. The staff are always friendly. I pay zero fees. The place is consistently clean, you can get free coffee and a free money machine. Why go to a mega bank where the fees are double and the tellers can’t make any decisions.

I have been a client of Metropolitan Credit Union for decades. I had a 5 year CD issued om 10÷24÷11 which matures on 10/​22/​2016. Even with a CD that has not matured, the credit union gave my money away as abandoned property. I received two emails which I answered and called back leaving messages yet, they gave my money away.
I am one of those people who encourage Credit Unions and I was considering moving all my banking to this credit union. I can’t help but fault them for giving my money way even when I had a CD that had not reached maturity. Shame, shame, shame on you.

Okay, despite a few really nice employees that I’ve interacted with, I’m beginning to think that the «convenience» of banking with Metro Credit (near my place of work) isn’t worth the bother. Took out a loan this week (several previously), there was a problem, the branch manager (who looks and acts like a freaking, emotionless machine) wouldn’t lift a finger to help, just recited bank regulations to me. I went home, called Metro and someone else DID help me. She could have made the same call on my behalf when I was sitting across from her and saved me a return trip to the bank. You aren’t a person at Metro, you’re a number. At my former bank (which I miss) I was known and called by name and got a friendly smile when entering.
Metro has mistakenly put my direct deposit in to a savings account instead of my checking account — twice. Metro keeps «improving» its website, which means two things: the people making the improvements get a bonus or a great big hug, and the people using it get to scream. I tried three times to log into my account on what apparently is a brand, spanking new home page. Information about OPENING an account is there in great big letters, but if you already HAVE an account, the log in buttons are hidden: you have to click on a down arrow to get to them. When I do, I can’t even enter log in info because one of those irritating, spinning «color wheels» pops up to inform me that a connection can’t be made, or that something is «stalling», or that a Metro robot is peering at me through my monitor camera and doesn’t like the way my hair looks.
When things work, it’s great, but not being able to do online banking before work because of crap like this, having to physically go to Metro twice for one purpose, having to call FROM work to «fix» things or to ask where my money has gone, is getting old.

We don’t often frequent this bank but occasionally we stop here with family that live in Chelsea. Today we popped in to change some coins for cash, and er enjoyed our visit. The staff here was very polite, they got customers in quickly and in the end we got rid of our coin collection.
Overall, not a bad bank, but we also only visit this branch from time to time.

30 Seconds from going elsewhere. Although I think the service is fantastic at Melrose, to have the computer banking problems they are having in this day and age is just too scary. It has been ongoing for a month. I can’t afford for them to keep screwing up like this.

In light of their recent idiotic decision to «upgrade» their online banking portal and smartphone apps, I’m drastically downgrading my previous review.
The thing that kills me is that their online banking and Android app used to be perfectly fine! Now I can’t receive e-​bills for my credit cards through online bill pay, and their Android app is basically useless.
I’ve given them honest and early feedback about the problems with the new systems, and have received only platitudes in return. I’m going to move my accounts as soon as I can. You fail, Metro. I left you your first positive review here on Unilocal,and four years later felt motivated enough to retract it.

Fraudulently (twice) resuscitated a home equity loan that was beyond statute of limitations. Do not do business with them

terrible,

Their branches are still pretty good and customer service is above average.
In fact, BEFORE they went high tech, was the perfect place to bank. Within the last 5 years, however, things have gone downhill, with a steep slide in the last year. Why? Because they forgot about their customers and threw out their in house online banking (which was excellent) and replaced it with Intuit.
Need I say more? Who knows LESS about taking care of customers than anyone? Intuit. Their online banking offering is a disaster. Constant online marketing messages that CANNOT be opted out of. Getting requests nearly every day to «verify your identity.» And the list goes on.
Sadly, I’ve moved all my banking transactions elsewhere and as soon as I can verify that all the automatic debits are working fine, I will close everything out.

Never ever use metro. 2 car loans @ the sam
e time and they constantly took 2 payments on 1 loan then reported the other late. When u do get through 2 someone who doesnt have broken english they are rude. Bunch of incompetent morons. Stay away if u get finance offer from them dont do it. Kiss good bye to ur credit and be ready for insults in the process. It took them 3 attempts to get an $ 800 pay right. Adiós, chau beware

I went to the office in Melrose and the person who I dealt with (Bob) truly exceeded the standard for customer service. The office was clean, and the people there were all helpful and polite. This organization gets a perfect A plus in my book. I highly recommend.

DO NOT GO TO THE LYNN, MA LOCATION FOR A CAR LOAN!
BTW the LYNN location gets a rating of ONE STAR.
Go to the chelsea location since everything has to be processed and confirmed by them anyways. In addition, they are quicker, efficient, and friendlier.
Put it this way, after spending three hours sitting with a branch supervisor to complete a loan, she gives me a 35K check that is NOT signed. The car dealership caught the «oversight» by the bank and I had to go all the way back to the branch the next day to get a signature. The lynn location, despite it being their fault that I had to return to the branch for a signature could not help me and I had to go to the chelsea location. The chelsea location was efficient and friendly!

I was a long term customer until they froze my account. Why? because i moved. They charge me $ 500 to close the account that they froze. And another $ 25 to send a fax to my new bank. Don’t be fooled by their small bank persona, they are no different than the big banks. Full of greed

Love Metro…
This has been my Family’s Bank for as long as I can remember! Love that they have been opening up more Branches in Boston lately… Makes it super convenient…
Love what they offer & the benefits I receive!

I have thoroughly enjoyed my experience with Metro credit union. My favorite feature is the Finance Works option that lets you link all accounts (credit cards, student loans, utility bills) to one place so that you can really see where your money is going. Also, they pay you back ANY fee charged at ANY ATM in the WORLD! The only draw back is that if you don’t live in Chelsey, you have to deposit your checks in another ATM and wait 4 days for it to clear. Otherwise, I am finally in love. Who knew you could be this happy with a finance institution?