University Federal Credit Union

Oh boy – I hate to give these fine people such a low rating, but I live out of state and if you are in that position, they can’t help you if trouble arises. I lost my debit card. I know – that’s on me, but going three weekends without being able to get any cash is insane. I got the Visa debit card within a few days, but ten days later, I still had no pin. When I called and asked about it, the lady I spoke to told me that I should be happy to get the pin within 10 business days. She also told me I could use my credit/​debit card at McDonalds and that they now had 24 hour breakfast. I don’t think she was being flippant. Well, 11 business days and 4 weekend days passed and I called and asked for an overnight of my pin and the guy said, okay — but it won’t arrive for three more days. Then the original new pin arrived today (16 days later) and since I didn’t call in time on Saturday to have IT cancelled, the new pin doesn’t work. I should be able to get some cash on Tuesday if the «overnight pin» arrives as promised. I’m thinking of selling blood for cash as a good backup plan. I dumped BofA because I thought they were the scum of the earth, but I might have to go back to them. These are nice people, but they can’t help you if you are out of state and not close to a branch. Oh well, live and learn. Guys, if you want to win over people who hate banks that are too big to fail, give them some reason to think you can do better.

I thought Credit Unions were supposed to be better than Banks. Despite my post-​graduate and separate doctoral degrees, let me be the first to admit — I was WRONG!
U of U CU is TERRIBLE — forget the new banking/​credit laws. U of U CU doesn’t believe they need to follow those pesky little things! They change the order of your transactions to create an overdraft. Moreover, even if you’ve arranged to have «low balance alerts» texted to you, they don’t send them IF they see a quick way to generate OD fees. (Well wait — that’s not EXACTLY correct. They DO send the alerts, but not until 24 – 36 hours AFTER THEY DING YOU FOR AN OD!) Instead of sending the «low balance alert,» as they’re supposed to do, they simply go straight to the OD notice. You get the OD text, go online to find out what happened, & it turns out that you STILL have a positive balance. The CU just predicted there would be an OD & either took their fee or fraudulently used one of your SIX FREE transfers from savings (depending on how you’ve arranged it). Turns out, you got to the online website with MORE THAN ENOUGH time to prevent an Overdraft, yourself (your transactions haven’t gone through yet), but the CU says: Ooops! We already took care that ALMOST-​OVERDRAFT. & we know you could’ve correct the problem before any of it happened (IF we [the CU] had sent/​texted your «low balance alert» as soon as you had a «low balance»). We are SO sorry if you wanted to transfer extra money into the account, but you can always use ANOTHER of your FREE transfers to do that. But we can’t get rid of that pesky Overdraft. SORRY, BUT WE CAN’T «UNDO» THAT OVERDRAFT, EVEN IF YOU REALLY DIDN’T OVERDRAW THE ACCT — It’s already done! U of U CU’s motto: «What is done, cannot be undone.»
Hmmm Really? I’ve been with the CU for 11 years; graduated from UofU with a law degree; my spouse is a grad from their MBA program; we have with this CU: 3 checking accts, 3 savings accts; an almost-​paid-​off car loan (our 3^rd with them); we have an almost-​paid-​off motorhome loan; thousands in a ROTH CD; & that’s only scratching the surface. More than $ 14,000 passes through our CU accounts EVERY MONTH!
So, sure, it may be true in some situations that «What is done cannot be undone,» but I don’t happen to believe that applies here. In fact, ALL of our accounts can & will be «UNDONE» quite easily. Hey — at least I had the courtesy to FIRST ask the CU «Which of my accounts would you like to lose, FIRST?»

If you want a really easy car loan. Go to university federal! You will have to suffer their customer service.
The customer service is pretty radical. They make you feel like you are stupid.
I can take bad customer service if they just aren’t very good at their job, but when they have the knowledge and deliberately make you feel inferior, that is unacceptable to me.