Provident Credit Union

This credit union goes overdraft fee crazy. I have had 2 major issues. One time I had plenty of money in my savings to cover the charges that needed to be overdrafted, but apparently they only allow a certain amount of electonic tranfers. I was told that I was allow a certain amount of overdrafts, but they didn’t explain that meant if I make online banking tranfers they would also count againts. They charged me like $ 350 to cover less than $ 50 that they paid for me. When the money was just sitting in my savings. The 2^nd time I opened a new checking account and apparently they didn’t set up the overdraft protection. So yet again I had more than enough money in my saving to cover and again $ 56 dollar in overdraft fees. Even Wells Fargo didn’t screw me this bad.

I recently switched credit unions and after a good amount of research landed on Provident. My previous experiences of financial institutions has always been reps convincing me to enter either promotions and/​or other account options which I have no interest whatsoever and this was the opposite experience at Provident. Carolina the branch manager help setup my checking account, was very attentive, informative, helpful and we had a great conversation about financial education. I would highly recommend Carolina as she is very knowledgable, personable, and looks out for your best interest.

Great service and quick turnaround time. Carolina was extremely attentive and professional.

this the worst customer service customer service i ever had worst than ever from one of their staff named rogelio, yesterday i went to the bank and deposited a check from chase bank for $ 75.00 and i have $ 155.00 balance in the bank, yesterday i sign up for a auto insurance by progressive my bills from progressive is $ 224.00 or $ 225 and since i deposited a check so i know im ok but today 8÷26÷15 i got e-​mail from provident bank saying i have to contact my bank immediately because someone try to withdraw money from my account and i don’t have enough fund so i call my bank «rogelio» because they ask me to and not that i want to and this rogelio anwer the phone when i call so i told him «hello rogelio i was wondering if you can help me with my account and im a member with you guys and he said to me right away «it depends if it’s an easy question! if not i have to send you to our telemarketing who can answer your question» what? really im already here talking to you and im a member and you will send me to telemarketing? can you listen to me first? i received e mail from my bank and told me to contact my bank immediately due of someone is trying to withdraw money from my account and they said i have no funds but i deposit a check yesterday. and rogelio told me «in that case you respond to that e-​mail you received and explained what happened» the email said «contact your bank immediately!!» don’t you get it rogelio!!! that is why i’m calling my bank and you answer the phone so why you have to transfer me to your telemarketing service? do you understand the word coming out from my mouth??? then i ask if i can talk to loida and he said, she is not available! this people are lazy and dont want to help their member, last year i went to european tour and i missed one of my flight to rome and i already paid the ticket but as soon as found out that i am not gonna make it to that trip to rome, i called the airlines when i was in paris i told them i want to cancel my flight so they told me they haven’t got the payment yet so they advice me to call my bank so i call my bank the provident bank and i told them to cancel my payment to the ticket i purchased in paris for rome and as soon as i got back to the us i went straight to «loida» i told her to cancel my payment for my ticket to rome from paris and i told her i already call the airlines and they told me they haven’t got the money yet so please loida can you cancel for me please ! and she loida ask me «so did you have fun in europe? i said yes! and i want to go back again this year» she said to me… so you have fun! so forget about it, it happen sometime you’ll miss the flight but the most important thing is you have fun right? so i told loida, loida that’s $ 550.00 roundtrip ticket from paris to rome or london to rome and $ 550.00 dollars is a lot of money to forget and loida told me «oh it’s ok get over it! you have fun right you just told me you have fun so don’t worry you make good money anyway it’s ok let it go! because it’s so much hassle to get your refund we have to do somuch thing it’s too much hassle it’s ok you have fun anyway… i don’t know if there is any higher than loida but i don’t think they have! and i am pretty sure if they do… they will be like loida and rogelio who doesn’t care if the member loses their money and the way that rogelio talk he must be the a relative of loida… you guys make money from the customer your member!!! with out your member you have no job!!! you are useless!!!

This branch does not do ‘partner banking’ so unless you are a member here, you’ll have to go a different credit union :(

Loida I thought was not helpful at all. I asked for a loan and she said that I needed someone in my house to co sign the loan since I just got a new better paying job?! I live with 6 room mates and they are strangers basically to me. That is the stupidest thing I have ever heard of! I was looking forward to doing business with a credit union. All Loida did with a blank look on her face was type for like ten minutes straight, didn’t talk to me and said she has an appointment with someone who just walked in and said she’d call back.
Sorry but you lost my potential business. Shitty service.

Anyone looking for a bank who will help you find a great low rate for a CAR LOAN? I would highly recommend Provident Credit Union. Loida, the loan officer who processed my loan was knowledgeable and efficient. She went above and beyond to get things done in a timely manner. I am very happy with the service and would recommend Loida and the bank to anyone.

I am ONLY giving 3 stars because Loida was an AMAZING HELP, especially for last minute. However, these 3 stars DO NOT apply to Carolina Lopez. I’m sorry, but she’s not great when it comes to auto loans. Or COMMUNICATION. She was not very specific especially with a first timer. My boyfriend and I asked every question that we can think of and she answered every question very briefly. She would tell us to come on in whenever with our purchase order from the dealer, we told her the day we would be arriving. She never told us it was her day off. And to make matters worst, she wasn’t specific with the purchase order we brought in, that it caused me with sooo much headache and stressed. LUCKILY!!! THANK GOD FOR LOIDA! She pulled through (: She is my boyfriend’s original agent, and she helped his entire family. She’s really good, she’s very specific with EVERYTHING. And she DOES NOT beat around the bush. So thank you very much Loida. She knew how upset I was with Carolina. If my boyfriend and I held on to Carolina, who knows when and how I’d purchase my car with that women. So maybe it was a blessing in disguise.

This is an awesome branch. The staff here is friendly and knowledgable.
I needed an auto refin and it was handled super fast. In fact it was funded in one day and their rates were very competitive. The branch manager Carolina was very nice and she kept me in the loop throughout the process. She was super responsive when I emailed her with questions.
I will definitely go back to them for any lending needs.

It’s hard to sit here and rate a financial institution because really all they want is your money, right? But I love this credit union, I’ve been a customer here for 10+ years and I wouldn’t think of going anywhere else. They’ve helped me through 2 car refinances, a debt consolidation, and personal loan. Whenever I come into the branch someone always greets me by name which I think is awesome being that I don’t get in there too often. One of the reasons I thought I should Unilocal PCU is because the fraud dept. has caught fraudulent charges on my card TWICE both times after the first transaction, the quick action on their part has saved me what I know would have been a lot of time and energy. And the reason I’m Unilocaling this specific branch is because of Carolina, she’s the branch manager and has recently been extremely helpful and patient with me regarding one of my accounts. Overall the Daly City branch is my favorite and I’m going to stick with them for a long time…

I love my credit union. A year ago, I decided to leave my corporate bank because I was frustrated by its sketchy business practices, involvement in the 2008 housing crisis (*cough* BofA), and terrible customer service. Then, at a local festival, I saw that Provident Credit Union had a booth, and I decided to sign up right there. They had a good promotion going on and good, friendly service.
I’ve actually never stepped foot inside a local branch, but I’ve never had to. I do all of my banking almost entirely online or on my phone, including depositing checks through the smartphone app. If I need to deposit or withdraw cash, I can go to any of the co-​op credit union ATMs for free, which are more abundant than any one corporate bank (Since I’m a student and going back-​and-​forth between cities, this was very important to me). When I needed to talk to a person over the phone, Provident followed up promptly with my questions. Also, every month, I get a hefty dividend that big banks would never offer.

I’ve been with provident for 5 months now they’re the best credit union in my opinion. I opened a checking and savings and it took less than 30 minutes and they have me the card on the spot which I think is a bonus. I opened it with Jason he was really good and fast but still knows what he’s doing. I love provident credit union.

I’m closing my account today. And dreading doing so because their customer service is so far below sub-​par. I’m going back to Chase. Yes, it’s a big bank, but I never had any of the issues with them that I’ve had in the year and a half I’ve had Provident.

I have been with Provident for 18 years. I was trying to get a home equity loan with another bank, two weeks later, I still hadn’t heard anything (Union Bank — Tina Phan). I called Provident. I received a car loan in two days — Dean Revelo. I also refinanced my home within 72 hours the paper work was on its way to the title company — Carolina Lopez.
After hearing so many nightmares from friends who had tried the same process with other banks, I swear the loan process through provident was painless. They called me, they worked with me and gave me the best possible rates. I am so happy with them. I was actually treated like someone they cared about oppose to just another customer.
I really don’t know about the other comments on here. I have never been dissatisfied with Provident’s customer service or banking procedures. I have always been treated with respect and was always helped out. When someone got a hold of my CC #, they contacted me and it was painless and stress-​free.
Thanks Provident.

I love provident and have been a member since the 80’s. I would have given 5 stars but I’ve had problems several times with this particular branch in the past and I hold a grudge.
Provident has really come through for me several times, since city living seems to not be complete without shady thieves. Today they came thru again, helping me when I got caught in the Tip scam. They closed my card and had me out the door with a new card in hand in 15 minutes. Keep it up Daly City branch and you may get 5 stars from me yet.

This was my first time banking with a credit union and the perks of a credit union are great.
When we first switched over a year and a half ago, service was mediocre but bearable. But now, it seems as if things have gotten worse. when the assistant branch MANAGER doesn’t have any customer service skills, know how to do something as simple as issue you a new debit card, or even know their own phone number, then something is wrong.
Needless to say, we’ll be taking our business to another credit union soon.

Now I understand why this branch has such a low star rating. Provident in general is a good credit union. I don’t normally need to come in for anything and when I call I always am treated very well.
I went in the other day to replace my damaged debit card. I was greeted. well, I wasn’t really greeted at all but rather told to approach the next window and was basically asked what I wanted by the young woman behind the counter. I told her I needed a new card and she informed me I had to pay $ 10 for a new card unless it was lost. This makes absolutely no sense to me. The charge reminds me of why I left Wells Fargo. Why should I pay to spend my own money! After begrudgingly agreeing to the fee (what else was I to do at this point) I realized I should have walked out into the parking lot and simply «lost» my card. Very very lame.

HORRIBLE CUSTOMER SERVICE: DO NOT BANK HERE
1. 2011: We have had a Provident Account since 1999. We had 4 car loans with them in the past and one during that process. We sat with the branch manager to apply for another car loan. To make a long story short. We told her $ 14,000 she applied for $ 50,000. She was trying to sell us EVERYTHING in the book home refinance, checking accounts, credit cards, line of credit. It was invasive and uncalled for. They denied us because Experian was coming back with a 0 credit score. That is impossible. There was obviously some kind of issue. We called Experian and got the issue straightened out (750 credit score). Tried to speak with the branch manager and assistant to get our loan reconsidered and they refused. We had such a hard time speaking with anyone, their attitude, lack of compassion, refusale to help was just horrible. I vowed NEVER to work with them again.
I filed a compalint with the BBB and Provident NEVER responded. I took the customer service survey they sent and explained the horrible experience. No response.
2. 2012: The day after I had paid off our last vehicle loan (2007 – 2012) our vehicle was in a horrible accident and was totaled. LET ME BE CLEAR, WE PAID OFF THE VEHICLE. My insurance company needed the title. It had not come in the mail yet, so they asked me to get a letter for lien relase from the bank. Provident refused to give me a letter even though I had paid off the vehicle. I was told my insurance needed to fax them a letter requesting it. So they did, one week later Provident still refused to issue the letter after asking my insruance company to submit two other letters regarding the totaled vehicle. I PAID OFF THE VEHICLE, what is their problem.
****This particular incident has to do with Provident Vehicle Loans and not the DC Branch********
I would file another complaint but like my other complaint, it won’t receive a response. Please save yourself the trouble and go to a different credit union.

If looking for quick transfer of funds from CU to CU then AVOID Proivdent.
You will have a better time getting your task done at patelco or san mateo.
Even if its just a cash transfer, especially patelco. If you are not a member there they will tell you to look elsewhere (ie westlake), not to mention their limited locations anyway.
Patelco and SMCU are more easily accessible for anyone in the bay area anyway.

Pros:
— As long as you go there before 4pm, there is no longggggg line.
— They also have a great auto loan interest rate (mine is 3.375% — depending on your credit).
— lots of parking
— reimburse you for ATM usage if you didn’t use a Provident one (check the rules)
— high dividend return at the end of each month on your checking account
— no charge on Cashier checks like BoA does
— they will print you a few checks if you don’t want to purchase a whole check book.
Cons:
— no taking pics of your check to deposit it like Chase does for their customers (apparently there are requirements to be able to do this with Provident via iPhone only – I’ll check if I meet them later on)