Member One Federal Credit Union

Don’t bank here. They are still trying to figure out how to run a customer service department, figure out processes and in general what a customer is. Short version of the 5 issues I had just with in the last year. Paid off a car loan, that got held up by an online payment issue on the bank’s end, costing me extra interest and a late fee. This was a $ 12.5 loan that I paid $ 10K to pay off in full, years early. Never received a thank you, a title or a letter saying you suck. Every time you call you have to get a manager or the rep will say they do not know and someone will call you back. No one ever does. When you call back for a status, they claim you never called. You have to start all over. If you call ALWAYS get a manager.
There are many choices for banks that want your business and will treat you like they do, this is now one. Don’t walk, run from this institution.
I could write a very long detail note that would take the whole page on all 5 issues. Just do not bank here. You would be better putting your money in tin can in the back yard. At least you would say thank you when you found the can… lol

I closed one of my accounts with Member One and now they treat me as I don’t matter.
I still have a joint account with my wife but we will be moving it to another bank.
Since closing my account with member one, no one will return my calls or emails. I can still take care of small things as service at the teller level is usually good.
Just know that if you ever remove a savings account or anything of the nature, member one will make sure you feel the cold shoulder.

They are helpful when it comes to receiving a loan from them but making a loan payment with them not in person (making a trip to their physical location) or through snail mail (writing a check) can be expensive. If you call over the phone to make a payment, they will charge you a $ 10 fee per transaction as a «convenience» fee. If you can EVER seem to get your online account setup without calling them a few times to sort out technical problems, you are once again charged a $ 10 convenience fee per transaction.
I was told by a staff member if I set up an actual checking account there that I could pay without hassle but I do not wish to do so. My current bank account allows for online bill pay to Member One for a monthly $ 5 charge, which has worked out best for me.
There also seem to be some inconsistencies with their accepted business practices. I have called once before to complete an over the phone payment on a car loan for my boyfriend and the lady I spoke with said there was no issue with that and continued to assist me but the next time I called to do so, the staff member told me she could not complete my transaction. I told her I had done this once before and she condescendingly told me that it is not allowed and the account holder had to call… I understand they need to be sure the transactions are legitimate but this should not be a problem as my boyfriend requested they place me as an acceptable source on his account.
I am pleased they awarded my boyfriend and myself automobile loans but I am not completely satisfied with their process of handling payments for said auto loans. Obviously this is not a serious problem with them but I feel charging $ 10 «convenience fees» for online or over the phone transactions seems a bit dated for 2014…

Member One is a great bank! The know us as customers and appreciate our business. I wish they had a few more ATM locations around the area. You sometimes have to plan to go to the ATM rather than going by the ATM.