San Diego County Credit Union

I’ve been a member with SDCCU for quite a while, I’m a pretty low maintenance member I basically just use the services to have a checking/​savings account.
However recently I had a check that got damaged and needed help getting it deposited, so I went in. Jesse was very helpful in trying to get it to work, he definitely went the extra mile and it showed. It’s nice to have patient people like him in customer service, I never felt like an inconvenience (even though it was a tumultuous task) and for that I give SDCCU five stars.

Okay, was a 2 star review. Now, let’s just say I’m really regretting my decision to go with this institution. In retrospect, I wish i just left my previous banking stuff and autoloan, and credit cards the way they were before I had the bad idea of coming here.
SDCCU: GET YOUR THINGS TOGETHER.
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I have been a member for about 3 months. I originally came to refinance my car for a low interest rate and then they also had a Visa card for no interest for the next year and then lower than my other cards, so I transferred balances. But it seems like there are stupid little problems with everything:
Car loan: Payment date started 2 weeks before I agreed to it. I was told EVERYTHING was handled, now I get a threatening letter (final notice, and by the way, the ONLY notice) that I have to change the lien holder on my auto insurance or else they will charge me around $ 1,500 more and give me coverage?
Visa: It’s been 3 months. So, where’s the card?
Regular banking: Almost always a long line.
Parking: Yeah, good luck with that.
Overall, when all is said and done, I’m not saving all that much ad with these stupid little hassles, I really wish I just didn’t go here. Now I’m kind of stuck here until all these things are paid off.

San Diego County Credit Union is the worst credit union. They might as well be a regular bank for all the fees they charge. You know they’re bad when you go in to talk to them about a home loan and their employee tells you to go somewhere else for a better rate. Recently, they charged us a fee for a bounced check when they entered the wrong routing number on a check we tried to cash. Usually credit unions are great. SDCCU is the exception to the rule. If you’re looking for a credit union, go elsewhere.

I’ve had way too many security issues with the bank. I went to this location a 2 months ago and asked for their printed checks. When I got home, I discovered they gave me someone elses. I went back to the bank to find out what happened to mine, and they said it was possible that they gave them out to someone else. I’m sorry but thats ridiculous, how does a bank make that kind of mistake??? Their only way of checking was to call the person who’s checks i had to see if they had mine.
about a month after that happened, for the first time ever, my debit card info was stolen. i can understand that this may not be their fault, since my debit card information was not on the checks, but seeing that I’ve never had this happen to me before using this bank, i can only wonder whether or not they shred information.
I went in to the branch to get more information about getting notifications about transactions out of my city or state, or about getting notifications about unusual spending and they told me they don’t do that. The receptionist told me that the only thing they do is decline transactions if they are outside of the state— which has never happened the 100+ times I’ve traveled.
on top of this, when i tried to get in touch with someone when i found out that someone had stolen my information, their hotline/​chat was closed! you can’t speak to anyone outside of regular business hours (9 – 5).
I really liked this bank at first, but they have been extremely disappointing. I’m not really hard to please, just keep my money safe, its that simple. Im switching to a bigger bank with a 24 hour hotline.

San Diego County Credit Union just stole $ 480 from me!
Used the ATM this morning before the bank was open and received a «Transaction timed out» error message after a cash withdrawal request. Inserted my card again and checked my balance… only to find it down $ 480! I was just a little bit distressed but figured I would call the issuing institution then return later.
I was told to speak to someone at SDCCU by my institution and given the transaction number and authorization number. The front desk woman was very polite and nice. The security guard was a dick, but I ignored his rude snappiness about my sunglasses… that were already in my hand and not anywhere near my face…
Another woman came over, Roseanne. I should have known I was about to descend into Dante’s Inferno when the slug monster with cat eye glasses from Monsters Inc came over thinly disguised as a SDCCU employee. Roseanne only had one question in response to my desire to go over what must have just been a simple error «ARE YOU A SDCCU MEMBER?»
Me: I have the transaction number and authorization number right here…
Roseanne: «ARE YOU A MEMBER?»
Me: «May I just see the transaction record?»
«ARE YOU???»
You get the idea. No, I am not a member and I will never ever be a member at this tiny parking lot, understaffed den of thieves. North Island CU has long lines but at least they have supervisors who resolve issues, ample parking and friendly staff. Unfortunately, only Roseanne and the security guard were bristly tarts but that’s ²⁄₃ of the staff I interacted with. My apologies for stepping on your lawn SDCCU! I will not become a member or ever use your glitchy ATM! Also urging all family and friends to never use SDCCU for anything! $ 480 stolen and absolutely no record, help or dispute resolution provided!
Cheers!

By far the worst credit union I have been a member of. I moved out of state and the process I have gone through to get a new ATM card or access and transfer any of the money I have in my SDCCU account has been ridiculous. Everything has to be done by mail because the information they have on the account to verify that I am who I say I am is wrong even though I personally updated it before I moved. If you need anything done on you account you either message them on their website and hope for a response or call and spend over 30min on hold waiting to talk to a representative. The first chance I get to visit San Diego I’m closing my account.

I’ve been with the credit union since I got my first job as a teenager. I like this location because it’s rarely busy inside. I’ve never had bad service here. In fact even the security guards are friendly, they greet you and open the door for you. Most of the time I bank online, but occasionally I have to come to the branch and everyone is helpful and friendly. The only downside to this location is all the «20 minute parking» can often be taken by people dining at Sammy’s or Banbu.

this bank is the best they get you in and out. never any long lines. and the best thing is they remember me by name… staff is super friendly

Susan the teller is great she helped me even when I didn’t need an auto loan. The lines weren’t long at all which is always great. I was in and out in about 5 minutes because Susan was on top of things and there is a security guard that will open the door for you. The location may not be that great but parking is not bad at all. So to me this branch is a-​ok with me.

Whenever I come in, I seem to be «lucky» and get the same teller. And she acts friendly with everyone except me. And she is helping me she is looking at me and not in a nice way. And acts like a snob whenever she helps me.
I’ll go back to El Cajon branch where their customer service is better.

I have generally had good service from San Diego Country Credit Union over the time that I have been banking with them. This location is the one I typically go to and the people are always friendly. Today I am beyond satisfied with what happened. We had deposited a large check that was a gift, to pay for things for an upcoming event. There was some sort of issue apparently and we got charged overdraft fees. When we called to find out what was going on, there was no hassle and the issue was resolved very quickly! I am impressed and honestly didn’t expect this excellent response. It makes me even more grateful that we switched from regular banking to this credit union. Thank you.

The sign in their lobby asked me to Unilocal about them, so here you go. You’re welcome, SDCCU!
I’ve been a long-​time customer, with few problems, but few really great things to say about them, either. One problem years ago with being charged an ATM fee at an in-​network ATM, but after getting nowhere with the staff at the branch (El Cajon, in this case), I decided to let it slide.
Recently (about a year ago?), the credit union got new ATMs that take check/​cash deposits and instantly apply them to your account. Pretty neat! Until you make a cash deposit after-​hours, and your deposit goes poof. The sound of money being run through the counter repeatedly, and then a «transaction cancelled» notice and a big red light over the cash intake slot. I’m a little concerned, but there’s a 24-​hour emergency number on the ATM, surely they can help me. So I call that, and am told, «this is just a messaging service, call the number on the back of your card.» So I did, and shockingly a recording told me that the pitch-​black branch I was standing in front of was closed. You think?
After standing there a few minutes in case my money just suddenly popped out, I eventually went home and sent an online message to customer service from my account. And the next morning, I went to the branch. I figured they would have found the money in the morning and would just be waiting for me to claim it. But instead, after waiting in a long line, I was told there was no record of any such transaction and I would need to file a dispute. So I did, and asked to talk to a manager. I was told to have a seat and fill out the form, and a manager would be over to talk to me shortly. No manager came out, and after finishing the form, and tiring of waiting, I handed the form to reception and left.
Is one star too harsh? I was leaning towards two, or, had this problem not laid bare SDCCU’s horrendous customer service, just letting it drop. Machines malfunction, mistakes are made, and I’m still confident I’ll get my money eventually. But the fact that the 24-​hour emergency phone number on the ATM is apparently just for show, and since apparently the branch manager was far too busy to deal with this insignificant issue (my experience in branches for some time has been that they feel that any time not spent selling something to me is time wasted) in a reasonable time, I will be closing my account as soon as I change my direct deposit info. Chase has some great sign-​up offers, cash bonuses that exceed the amount of cash their ATM ate from me!)
SDCCU, if you’re going to offer 24 hour services, you need some sort of 24 hour emergency support. Maybe just give out the cell phone of that creepy lady in your commercials, she looks glad to help.

I have been with SDCCU for a few years. Everything is great for the most part, but heaven forbid you actually have a problem that needs a resolution with some speed. My card had been hacked, and 4 charges went through. For 3 of these charges, I was assessed overdraft fees. They immediately reversed 3 of the 4 charges, before I even became aware of the issue. HOWEVER, they left the associated overdraft fees on the account. So I did the «chat» for help. I was told I would get a dispute form in my email. 24 hours later, no form. I email and call. I finally convinced the rep to return 2 of the 3 overdraft fees as a «courtesy». He then told me that he needed to download, print, and scan the dispute form, then send it to their tech department to email it to me. So here I am, right before a 3 day weekend with no way to access quite a bit of my money, and still no dispute form, more than 2 hours since the last call.
If you never have to resolve an issue, this is a nice credit union. I am extremely displeased with the level of service in this matter, and the amount of time it is taking to rectify a mistake that is not of my doing. Bank of America was always right on top of any fraudulent activity.

My wife and I have been fairly long-​time customers (they say we’re «members,» but in reality we know how that is) of San Diego County Credit Union. We’ve been long-​time customers not because we like the credit union, but because switching is a hassle and finding another that’s above «meh» would be difficult.
Here’s the thing. We’re often hit by strange little charges to our account that they make. Most recently, because I didn’t pay three bills in one session using their Bill Payer Plus service, we got dinged $ 4.95. Now, in a chat session with them, the representative supplied a link to the PDF document that mentions the fee. Seriously? SDCCU, try actually making this information readily available. In fact, paying fewer than three bills at once should always generate a warning message advising that a charge will be incurred. If I choose the «pay today» option (if it’s available), I’m charged a fee, BUT I’m also advised in advance so I can make my choice based on that. In the long run, after a long, slow chat session, they offered to reverse the charge as a «one-​time courtesy.» I love being treated like a child.
At best, it’s evidence of shoddy business practices. At worst, it’s evidence of sneaky business practices.
Another thing. It seems they love to issue replacement debit cards for the slightest little potential issue. In the last two years I’ve had at least three, maybe four different debit cards. I understand the need for security, but seriously, that’s overkill.
They say an unhappy customer will tell x-​number of other people and that a happy customer won’t spread the word as much. I also post positive reviews when they’re earned, so you can take that into account when reading this review. (Note: I do tend to ramble when I’m peeved.)
ADDITION
We just got dinged for ANOTHER $ 4.95 fee, even though I didn’t use their online bill payer service at all. The first representative made it sound like if I didn’t make three payments at one time I’d get dinged $ 4.95, when in fact if I didn’t make three payments in a month using the service, I’d get dinged $ 4.95. So, in an effort to not get hit with that fee again, I didn’t use the service at all — which cost me $ 4.95. To add insult to injury, that first representative said she’d credit our account for that first $ 4.95 fee (prior to this latest fee). She never did credit our account. For that reason, I’ve marked the credit union down from two stars to one star.
There are OTHER credit unions I can go to that conduct business more honestly, and I’ll be switching when it’s convenient.

Although I like my credit union, this is my least favorite location. Not enough parking, always short on tellers, and the last time (I’ve been here once in about 5 yrs) they made a mistake with my deposit). Not to mention they foolishly declined my application for a home loan. That’s okay, I got a much better deal with another bank. All in all, I still give them 4 stars since I’ve been with this CU for most of my adult life and the pro’s outweigh the cons.

Came here to finance my new car, Melody in loans made it a breeze. I recommend SDCCU to all my friends and you get a way better loan rate than from the dealer.

I love San Diego County Credit Union, they are the best credit union in San Diego hands down. I’ll never go back to a bank.
This location kinda sucks because parking is a nightmare and there is never anywhere to park due to how many shops they crammed into this mall.
Service is quick and speedy though, bank tellers are friendly.

Friendly staff. No minimum deposit for new accounts! By the way, no waiting for your card in the mail, they prep your card while you wait.

I walked in to this branch and was stunned by how helpful, efficient, knowledgeable and patient the assistant was.
Best days work I did in a long time, should have contacted them a long time ago.

I love this bank. This bank always has such short lines and the people who work here are really nice. Thanks SDCCU! I just wish they had more parking options.