Arizona State Credit Union

Update… yep, other places make similar mistakes. They are getting better in general and their online system seems to have improved on availability. Sticking with them since they seem pretty good for the average net-​worth person.

Was buying a house, Received a pre qualified letter. Looked at houses, paid for inspections, appraisals. opened an escrow and had all the ducks in a row and they last minute refused to fund the loan. We were out 4500.00 GONE. So unprofessional. NEVER AGAIN!

Do you have to be able to already know how to treat people poorly to work here or is that part of the training program? Consistently horrible customer service.

I like it but then I don’t. I’m young and I’m a little new to actually doing business with this bank on my own without my parents. I’m 19 and I’ve technically been with them since I was an infant. What I like is that they’re very friendly. The staff are really passionate with their jobs. But I feel like I get cheated too. For an example when I use my account online to look up my transaction on my debit card will be one balance one day then 2 days later my balance is reduced from a transaction I made days ago. They need to get better at updating that because I ended up thinking I had money for something then I overdraft on my devit card because they didn’t take the transaction out that I made days before and if you overdraft by even a penny they’ll charge you a $ 32 NSF fee. Not only that but they like to charge my account $ 7 for every time I transfer money to my account. They don’t tell you a limit to how many times you do it too and they’ll keep doing it too so its like you’re better off not transferring money. I honestly trust no financial institute. You’re better off with managing your own money because you can do whatever you want. I’m getting sick of all these silly little fees because this is money me and others work hard for.

I’ve been a member for 8 years. Here’s my honest opinion of the pros and cons of banking at AZ State Credit Union:
CONS:
1. Funds on large checks are held and not available for 10 business days. (Even if you speak with the manager).
2. Your debit card will be turned off if you travel outside of AZ and try to use it. (Good luck trying to get it turned back on on a holiday weekend).
3. They never have enough money at their branch to give you a large amount of cash for say a large purchase.
4. Open 9 – 5 mon-​fri
5. It is very difficult to refinance your house. I tried twice with a 755 credit score. I gave up after months of paperwork.
6. There are very long wait times. Plan on being late back to work if you go on your lunch break like everyone else.
7. Their savings account will give you ½ of 1% interest.
8. Calling the bank doesn’t help answer your questions. They will direct you to go in and speak with the branch manager.
PROS:
None, I am getting my direct deposit transferred asap and going to use my Wells Fargo and Scottrade accounts. 8 years of banking at AZSTCU and finally realized they are terrible.

Avoid this institution at all costs. They will treat you well only as long as you are the perfect customer. I was a customer for over 20 years. I always paid on time, in full, never an over-​draw and my pay was auto-​deposited. The minute I pro-​actively informed them I needed to short sale my home due to medical problems, they became hostile and made threats to file liens. AZSCU finally agreed to the short sale, which included them getting partial payment as well. Now — 3 years later, I find out they have kept the account ‘open’ and are reporting it on my credit as an unpaid credit card balance. (???) B of A the primary mortgage holder, closed the account, discharged the short sale and reports 0 balance. I have no idea why AZSCU is continuing to attempt to make my life difficult — for an amount under $ 10,000. I am contacting the BBB again. This company has no compassion or loyalty to its customers. The minute you are not making $$ for them, they become predatory. This has been an ongoing nightmare since 2012.

I have «banked» at crdit unions for over 40 years. They are not as «greedy» as banks.
We use AZSCU in Payson and the staff is excellent. Great personalized service, they know us and never send us away displeased. I would give them 5 stars except for the dollar limit on web bill pay.

This bank SUCKS!!! STAY AWAY! All the bad reviews are true. Crappy hours, long hold time when calling for help. They canceled my CC due to inactivity! Really? The list goes on and on. I will be closing my account ASAP-​unfortunately I have to take off from work to do this due to there unaccommodating hours.

Horrible. I assume my previous review was not posted because I used specifics & names. Absolutely horrible branch staff & management. The people at the Gilbert branch seem pretty nice tho.

Horrible online banking services, they have no staff available for help on weekends, so if you are having trouble with your account you a pretty much screwed until Monday. I don’t expect the bank to be open but a call center yes. Really wanted to be with a credit union but there online system is always down. Really feel they need to come into 2014. Sadly will be returning to a big bank.

I joined a Credit Union because I was told they were not crooks like banks. But they’re 100% crooks. My little sister had some old birthday checks she forgot to cash. I had her sign them over to me and I deposited them via mobile deposit. For reasons I was never explained, they accepted the funds, then later rejected them, and charged $ 32 per check as a «returned item» fee. If the checks didn’t process, just reject them, not give me $ 64 in fees. Closing my account tomorrow.

THE worst. I cannot believe how difficult it is to do business with this credit union. I have my auto loan through them, and they can do literally NOTHING over the phone. They always suggest you come into the branch regardless of the fact that their only open the same hours I’m always at work. Even if you make time to go in and deal with things face to face, they somehow manage to «lose» your paperwork. AND with your paperwork mysteriously gone forever, you get to pay all sorts of overdraft and late fees when they completely screw up your payment ACH date… after taking time to do in person.
NEVER AGAIN…

The girls inside the branch located here are super helpful. They can always help answer any questions I have concerning my accounts

I have had AZ State Credit Union since I was 16 years old. My parents had them before me, and every girlfriend I’ve ever had (and some friends) I have switched over to them. The only car loan I ever had was through them (at like a 4% interest or something like that btw), and today I still have my personal and business accounts with them. I have tried the Big Three over the years, because of employers or otherwise, but I’ve always kept my AZSTCU account and today it is the only place where I keep my money. Sure, sometimes its a bit of a hassle with their not being open on weekends, but in my experience, that just makes you a better planner financially. They have always been fair and their customer service is unequalled. Keep in mind that they are a NON PROFIT institution with their main goal being on bettering the community. Can you say that about any of these huge corporate banks??? Enough said.

NOT Business Friendly! Cannot get wire transfers online or by phone. Cannot speak to upper management regarding the subject. Phone support help even said they had to know why I wanted to make the transfer (i.e. for what purposes). That is crazy big brother stuff… business people should run.

Excellent service. Nice and informative staff.

I’ve been with them for 3 or 4 years, they have a branch right on ASU West campus in Glendale so that was super handy. I had a few issues with wording once on their transfers but when I went to talk to them they settle those issues and the wording that confused me was actually changed in their disclosure statements soon after, they likely had other people confused but I’d like to think it was just cause of how awesome I am.
When the checking fee kicked in I had them switch me into a student checking account so I could get 5 years free checking, but now that I’m working again my direct deposits would keep me from getting a fee so for me it worked out great but I do agree there would be some reprive for people who aren’t students and are unemployed though… I suppose using your debt card 10 times a month to avoid the fee isn’t the hardest thing in the world, especially if you ever buy anything at 99 cents only.
They also have coinstar machines at a couple branches, and if your a member you don’t pay that crazy 11% fee which saved me a ton! I really hope my pleasant experiences continue with them when I get the chance to buy a house.

I am STILL whole-​heartedly happy to bank here. But I really expect everything here to be better than one of the big three. So when I went in to the Cottonwood branch to hopefully convert and deposit some Aussie dollars left over from my vacation I was disappointed to be told «No, we don’t accept Australian Dollars».
I sadly recalled my days of banking with Chase when they gladly accepted my leftover British Pounds and on another occasion, Singapore Dollars without a problem.
I’m letting this one slide because there are still a multitude of reasons to go with a credit union or local bank over one of the large corporate banks. That being said, these guys have to offer the same products with better service to compel more people to make the switch. Offering foreign exchange on at least the major currencies (Euro, British Pounds, Australian, Hong Kong and Singapore Dollars, Swiss Francs, Japanese Yen and Chinese Yuan) would make these guys more competitive.
Maybe I’m expecting too much but if I had my way, we’d all be banking locally. But until these guys can offer what the big guys are, I don’t see that happening.

I’ve been a member for over a year and every experience I’ve had has been positive. Their online banking and billpay is extremely user-​friendly. They linked a savings account I setup for my daughter so that I can see her account (and transfer money to it) when I log in to my own account. I have several «club» accounts where I can designate money for specific purposes. The best part is I am earning better interest here than anywhere else — INCLUDING ING!
I made up my mind to quit B of A once and for all after they took billions in bailout money (MY taxpayer money) then turned around and announced ANOTHER fee for ME (customer). All the while, top management there was making annual salaries that I’ll never see in a lifetime.
What really impressed me was receiving a call on Sunday from the credit union after my husband’s particularly busy weekend (his «honeydo» list was a mile long). The CU recognized it as an anomoly based on his past card useage and called him and asked him if he was indeed making all those card purchases.
I strongly recommend AZSTCU. If you don’t go with them, go with ANY credit union… as long as you leave greedy corporate banks who don’t care about you.

I got cash from their ATM machine but the machine failed to give me my card back. I called them the next day and was told by a very rude clerk that I could not speak to anyone at the branch and that they would not open the machine to retrieve my card due to «security issues.» As a result, I had to cancel this bank card and re-​order a new bank card which cost me $ 20 from my bank. It also took a week to arrive — something to consider, you probably don’t want to be without cash and a bank card for a week.
I later contacted the credit union by email and was informed that when the ATM machine keeps a card it automatically shreds it. There seems to be some conflicting information as to whether this is true or not. The research I’ve done suggests that these machines do not have the technology to «shred» a card, but rather what happens is when the machine is opened to add cash (sometimes this is bank personnel, but if the machine is located outside of the bank building it probably is a 3^rd party company), the cards that the machine has kept fall into a little basket of sorts, and the person servicing the machine simply shreds/​disposes of the cards.