Greater Nevada Credit Union

I have been banking at credit unions all across the US and in Puerto Rico for over 40 years, and this is the worst CU I have ever had to deal with.
I decided to get a local account for several reasons, one of which is that with my current CU of several years being in a different time zone, I frequently can’t get hold of them when I need them. My son has an account here so he took me there. Apparently there were several things about his own account of which he was unaware.
First thing, they start quizzing me regarding my financial details. Such as who I make automatic payments too and how often I use my debit card.
Well guess what, I’m not about to sit there and itemize my entire financial situation just to open an account, especially as their excuse for doing this was so that THEY could select the account THEY thought I should have. No, that is NOT how it works.
How it works is that YOU tell ME what sort of accounts you offer, and *I* will decide which, if any, type of account I actually want. So I asked for a listing of their different kinds of accounts.
Guess what. They have NO printed literature describing their account requirements. They name them in a glossy brochure, but they don’t print what the account requirements are. So I STILL had to sit there and listen to a sales pitch that I had absolutely no interest in whatsoever. Huge waste of my time. If they had any appropriately detailed literature, it was not offered to me by the branch manager.
Then it turns out that they will charge you a fee if you use your debit card less than 6 to 15 times per month. Doesn’t matter which of the 3 types of accounts you open, they all require a minimum number of uses of your debit card every month. Their excuse for THIS is that they need this activity on an account to prove its not inactive.
There are VERY specific regulations about account inactivity, and none of them have anything to do with how often you use your debit card. If there is regular activity of any kind on the account, that is all that is required. Such as — an automatic deposit. If you are getting an automatic deposit to your account, it is legally an active account. This rule they have has nothing to do with the legal definition of an inactive account.
The reason this is important is that when an account is declared legally inactive, there are specific federal regulations in place that prevent a bank from levying fees on the inactive account and running the balance down to zero.
What this rule does is it allows the fiduciary institution to which you have entrusted your meager or perhaps not-​so-​meager funds to, to charge a monthly fee and potentially run the balance down to zero before reporting it legally inactive. Would this particular institution do that? Who knows.
This in and of itself would have been enough to send me away from this particular institution, but wait, there’s more!
CUs typically require a minimum deposit in a savings account. It’s usually $ 10 to $ 25.
These guys charge you $ 5 that you never get back to open an account, and they put the other $ 5 in a savings account as usual.
I have never ever had a credit union charge me any fee, no matter how seemingly small or inconsequential, to open an account. Ever. In any state. Obviously it must be legal in this state, and perhaps it has been legal in other states. But no credit union I have ever had dealings with tried to pull something like that on its members. And I don’t intend to have anything to do with this one, either.
But the clincher for me was that 6 to 15 debit transactions you are required to complete every month or they start charging you fees. That is just an extra fee to be levied on the elderly, the poor, and sick people. I’m disabled. Sometimes I am doing well, running around and using my debit card.
Other times I am doing poorly, and I may not use my debit card but a couple of times in the course of several weeks.
If I am doing well, I am unlikely to be paying attention to how many times I’ve used my debit card this month — and by the way, what month is it again?
If I am NOT doing well, I am certainly not going to be able to keep track of such a stupid metric.
Don’t bank here. I wouldn’t trust them any farther than I could throw them. Given I can’t even pick one of their tellers up, that’s not very far.

I had the most bizarre experience with them. I’m a senior, have excellent credit, a 6-​figure income and no mortgage payment. Was looking for a very small (about $ 5,000), very short-​term (one year) loan to buy a new car so I wouldn’t have to sell stocks to cover the last little bit. The stock dividends are higher than the credit union’s interest rate so it made sense to take that route. Agent I spoke with took down all my info and said I’d hear back from them the next day — which was important because I wanted to close the deal on the car. NEVER HEARD A WORD. Called a 2^nd time and was told there must have been an oversight and someone would get back to me. AGAIN NOTHING! In the end they did me a favor, since the car dealer gave me 5-​year, INTEREST-​FREE loan for the amount I’d planned to finance.
What a hapless organization!

Kyla Rios did an OUTSTANDING job help me solve some longstanding problems with fees, complex accounts, etc. I STRONGLY recommend her if you need any help solving problems.
Steve Empey

This is not my main branch. Went to the drive through to withdraw for some Xmas shopping. K owing they did not know me I have them my id and waited… and waited… and waited. 10 minutes later I left with my money. For some reason it took 3 people to take care of this simple request. No explanation given. No have a good day or anything. Just my money and receipt. I had to go back in to get my id back once I realized they did not give it to me.

I love my CU! Granted, this is my first CU but after 2008, I didn’t want to give my business to the big banks anymore. I have been with GNCU for several years now and am a very happy customer. The service at this location and the Spanish Springs location (I haven’t been to the one in northwest Reno) has always been friendly and helpful. My card has been frozen a few times as a security precaution, and while there was never any fraudulent activity on my account, I appreciate GNCU keeping an eye out for these all-​too-​common crimes. I prefer to err on the side of caution with these kinds of issues.
There are a few areas that have room for improvement. The wait times here can be unexpectedly long! I have been in line at the drive-​thru teller upwards of 40 minutes to deposit a check at times… All three lanes can get gridlocked. Service can be a little slow inside too, but it seems like they are under-​staffed at times. I don’t seem to have these issues at the Spanish Springs location, but I think that location is a little less busy. I also wish that they didn’t have a minimum number of times you have use your debit card in order for your checking account to be free. It hasn’t wound up being an issue for me, but the principle of it bothers me. Their mobile app is buggy and draggy… You’re better off accessing the mobile version of their website. I also wish there were more locations, but the northwest Reno branch is definitely a start! That being said, these problems are not significant enough to make me an unhappy customer. I am forevermore on Team Credit Union! Specifically, Team Greater Nevada Credit Union!

Wow! Blown away by the lack of accountability by the drive thru. They shorted me $ 30 from my change and had me wait in drive thru over 40 minutes for them to go thru video tapes and they still do not have an answer and I am out the $ 30. I am seriously considering a new bank. Brent is the Branch manager. I have always walked into the bank in the past and this really makes me feel like a goon that I didn’t walk In today.

This bank charge me fees and late fees even after I paid off my auto loan. Stay far away from this bank!

I was just checking the hours for the bank near me and I ran across some of the reviews. I have never had horrible service with Greater Nevada. In fact I was embarrassed to admit once that I could only pay half of my payment and I inquired about the late fee. Rather then get a funny look or make me feel ashamed for my situation the guy was empathetic and made me feel comfortable because guess what we are human and things come up. Everytime I go in everyone is friendly and upbeat!

Horrible customer service.
Yesterday i received a call from Melinda regarding a check i sent to her branch asking for a little more information on what the payment was for. She said she could only give me the name of the individual that purchased the check with that i was able to locate the account of the individual. when i asked if she could send back the copy of a LIVE check to me so i can process it she said she would «investigate» and give me a call back.
Within 20 min she returned my call and was EXTREMELY rude and mentioned several times, «this is the last time i am going to call and help with this issue because this is not something i deal with» i asked her several times if she could direct me to someone who can help me, and failed. she took the alternative to hang up on me.
if she was going to hang up on me mid question, why call to «help» in the first place?
Now, we are back at square 1.

So many reasons not to put your money here… mishandling of funds… lack of security… poor follow through with issues… Even after closing the accounts, we continued to have issues with Greater Nevada Credit Union. Do not bank there.

yesterday, i down loaded a loan app and called this morning for a fax number. i was
told this morning, that i needed to complete a membership app, but, he could not
find it on line? and i can not find it on their website? i gotta admit im worried?

I deposited a $ 2300 check on Friday, not aware that it was being held for two days (I thought the money would be available the following Saturday) they released only $ 200 of the $ 2300 deposit at the time of deposit. Without being aware of this, I used my ATM card to make purchases the following Saturday, thinking I had more than just $ 200 available. After the $ 200 was spent, I made five other small purchases using my ATM card, from $ 3.00 to $ 30.00 puchchases. I was charged a $ 34.00 fee PER EACH TRANSACTION, TOTALLING $ 170.00 IN FEES. When I spoke to the Branch Manager on the following Monday, HE REFUSED TO REVERSE ANY OF THE FEES, saying that it was my fault, and that the charges were legitimate. Since my check won’t be cleared until Tuesday, I’m forced to wait one more day to close my account and end my relationship with this GROUP OF THIEVES until then. THIS IS THE WORSE BANK I’VE EVER DONE BUSINESS WITH. Their customer service is non existent. I have had accounts with Wells Fargo and Bank of America, neither are as EVIL or as uncaring about the customer than this incredible piece of shit of a bank…

Nice bank but horrible customer service.
They canceled my debit card and sent a new one without notifying me so I had no clue what was happening when all my automatic payments started to decline.
I asked to speak with a manager several times but I have yet to receive a reply.
The ATM system goes down every evening between 22:00 and 23:00 hours and declines all transactions on credit or debit. Good luck if you are trying to pay for dinner or groceries.
Really they just don’t care about customers at all and it shows.

January 2014
For two months now the nightmare continues. My wife and I had one account each and
one joint account which we used to pay bills and the mortgage. We’d had the accounts for
five years. Greater Nevada informed us we had to consolidate the joint account to make their
lives easier. Which we allowed, and they assured us the transition would be just fine.
Wrong! All of our bills we set up for auto pay bounced, including our mortgage. The checks we
were supposed to get for the new account were NEVER ordered. The debit cards would not
work until I drove around through the drive thru a sixth time while they tried to figure out
the problem with them. They couldn’t even tell if they were working from within their own
building.
Customer service. Forget it. «Sorry we can’t help you with that.» Good luck
and pour yourself a drink because you will need one. We have opened accounts at a commercial
bank, and will be cutting the ties with Greater Nevada as soon as possible. Best of Luck.
P. S. We are outta there now. What a hassle. John and Louise

Really long LINES. They are one of my Co/​op banks from Cali… Wont be going back here to get help… I’ll just us Co/​op ATMS

Horrible! They charge monthly fees as if they are a corporate bank! We had to move our business to another local credit union.

I have had the same issues with this bank as many of the other reviewers. Terrible customer service. They are a small bank trying to act like a big bank. I started with them about 20 years ago when they were truly small bank and they were great. My how times have changed. UGH never again.

The first time they fucked up, we were in foreclosure, and took all of the money out because we told BOA to NOT make an auto payment but we didn’t trust them. We told GNCU we did not want any type of overdraft protection. BOA said screw you and processed it anyway, and GNCU gave it to them and charged us a service fee!!! Gee thanks!!! We fought that and won, but they took no responsibility. The last straw was similar 6 months later. We went in to close the account and they said we couldn’t, we had a pending Debit card. Pending? It’s out of my account, you have the money, I don’t. When we came back in again, they had hit me up for $ 64 in fees because another auto payment tried to withdraw. $ 32 for a millisecond of a computer saying «no», times 2. They would not return my fees, only partially. I hope this keeps other customers away.
Banks are usually fine until you have an issue, then the truth is found. The manager had every ability to make me happy and chose not to. Wasn’t her money, it was mine, but she had the power.

3.5 stars, but giving it 3.
Are they better than Wells Fargo? Yes.
Are they still a fucked up bank? Yes.
They gave us too high of an interest rate on the S.O.s car loan (come on… even VW gave me a better rate). The locations are incredibly sparse, which makes depositing money a bitch. You still need a minimum amount in your account, and they still charge you fees.
BUT…they’re pretty fast with accepting deposits, and call when there is suspicious activity on your account. Their online account site is easily manageable, and for that I’m grateful.
We have both Wells Fargo and GNCU: winner goes to GNCU, overall.

Quite possibly the worst customer service I have ever experienced. After Wells Fargo screwed up my account I had enough and decided to switch to a local bank.
At first everything was great, they loved accepting my initial deposit, printed me a few checks and gave me a debit card. Then I realized how shitty the customer service would be. They neglected to mention that all checks would be put on a 7 business day hold while our «relationship develops». Mo Fuckos that is my payroll check, from a the largest payroll company in the fuckin’ world, I got bills and rent yo! After voicing my concerns I was ignored and no communication or apology or anything was sent to me.
Now today I am trying to move my money from checking to savings and their whole banking system is down. So not only are they holding over $ 2K in checks, they also won’t let me move my money without going into a branch. I think I will be changing banks again, my mattress provides better service than this POS BANK!!!