Technology Credit Union

Positive Outcome:
On May 17^th I had posted a negative review of Technology Credit Union and I must state that I now am an impressed customer in the manner in which Yvette Sandez, Regional Manager of Technology Credit Union handled the situation. I must clearly state that when I first received a telephone message followed by an e-​mail from Ms. Sandez on May 26^th, I was not only reluctant but hesitant to call her back because I expected a strong defense and offence from Ms. Sandez in protecting the employees of Tech CU. When I finally picked up the phone and called Ms. Sandez, not only did she answer the call immediately and relayed back to me that she read my post and conducted an internal investigation and concluded that the employees involved «dropped the ball» and she promised to personally resolve the problem, which she did.
Did she personally take care of the issues?
Yes, not just take-​care of the issues but had the process completed in a timely manner. On June 13^th the HELOC was refinanced and recorded at the County Recorder’s Office. The grace and manner of handling the situation totally suffocated me with unbelievable awe. She was the most professional, and I must state she has an extremely pleasant voice that exudes beauty and charm. Every time Ms. Sandez mentioned that she will call me back on the status and progress of the process she followed through with amazing grace and beauty. She kept the process in-​check and followed through without missing a beat. She kept every promised date and time of the call to the minute and when I failed to answer she called back to make sure I got the message. I am absolutely sure that in her position as the Regional Manager with Tech CU she has a very busy schedule and she is in multiple offices throughout the week, she never missed a single call. She is the most amazing person at Tech CU to be able to deal with multiple tasks seamlessly. I hope that Tech CU recognizes her commitment to her customers and dedication to the job. She has absolutely changed my negative perspective of Tech CU into an extremely positive. Thank you for your professionalism.
You are amazing Yvette Sandez! Thank you whole heartily.
The credit goes entirely to Ms. Yvette Sandez.
Vic

Recently I worked with Technology Credit Union to get an Auto Loan. The ease of the on line application was a great start. But the People are the difference here!!! I have to say that Jon Sonnenberg who is the Senior Relationship Banker at the 2010 North First St office was nothing short of amazing. Not only was he consistently informative, he worked with me while I was in Japan out of the country. His responsiveness and professionalism is world class. The cherry on top of this transaction was when the seller of the car was not local to San Jose and it came time to make the payment Jon personally walked a check over to the sellers own bank and deposited the check. Most people would say sorry we will FedEx or they can pick up a check at a branch location. But not Jon. he went the extra mile. Candice Berdin was the underwriter and was so easy to work with and made this process smooth! When you look at the team at technology Credit Union they are all World Class
I got a great rate and many options that made Tech Credit Union a no brainier from a financial standpoint and when you add in the human touch and personal attention for ANY banking needs Technology Credit Union is your perfect Choice!!!

I have been very happy with for 20 years though 2 things they need to really fix to get a 5 star.
1– Business secure browser is a true nightmare to access your business account. If other banks have not done it why Techcu is sticking out its neck to lead. It is the wrong product strategy and it hurts small business and it is an invite for business to look for other institutions for business banking.
2. If Techcu asks for document to send to them, your documents containing sensitive information is NOT secure (unlike secure outgoing messages). If customer security matters, then reply to outgoing message need to incorporate an attachment function for the customer upload knowing that the sensitive information is transfered to the techcu in a secure manner.

I have been a member for over 17 years and have maybe had 2 issues that were resolved quickly. I love this credit union and so glad I joined so long ago.

Tech CU is likely the most pathetic financial institution i’ve ever worked with. I have an auto loan with Tech CU because they had the lowest rate but I would now pay another 50 basis points to not deal with them again.
1. for a company called TECH CU, they do not accept web/​online payment unless you open a bank account with them. Since I have zero interest in opening a bank account and am only a loan customer, the only way to submit a payment is through good olé stamps/​paper. very high tech guys.
2. People who work there have zero business sense or practicality. Since you cannot pay online, when you first close the loan, they give you a payment slip for each month for the entire loan. Turns out Tech CU miscalculated my loan amortization by $ 0.11 for each slip and I was «late» on my payment by that amount. Rather than apologizing and allowing me to tack on an extra few pennies on my next bill, they insist I will be charged a late penalty unless I bring them a check for $ 0.11.
If you want to work with a bank who can’t get some simple, intuitive things right, Tech CU is the bank for you.

Technology Credit Union does a great job serving its members. Over the years I’ve had numerous accounts, bought a car from them, a HELOC, and eventually, a mortgage. Bobby Shamlou, mortgage guy extraordinaire, really went the extra mile (or a hundred) to get me a mortgage while I was in a complicated financial situation. He made it work! I rarely go into a branch because I don’t need to as their app and web services work. I’ve had documents notarized and got a medallion guarantee lately with great service. Much, much less expensive than dealing with a bank. Very happy with TechCU.

Another long time customer here, 15 YEARS!
This bank rapes you of your hard-​earned money.
You’re still sucked dry of the $ 28 NSF fee when a transaction is bounced back.
Tired of being violated, my ass is sore, so it’s time to kick these money-​hungry fools to the curb!
(They don’t give two shits if you’re a «long time customer», and the previous one-​starred reviews clearly demonstrate that.)

We did our car financing with Sarvjit Kaur and it might be the best customer service experience I’ve ever head. She was super attentive, responded rapidly, followed up, gave us great terms, and was just a pleasure to deal with throughout the entire process. She deserves a medal!

The Gentleman who was helping me out (Can’t remember his name) was very Friendly, and he helped me open a student account with no problems. He asked questions about my Career goals, and gave some helpful advice. I enjoyed the sincere service and would recommend it to anyone.

I haven’t been happy with them for a while. but today is the last straw. apparently doing mobile deposits is not easier or quicker. it actually takes longer to make a deposit money. Last week went to make a deposit at the ATM, the machine was broken, then I did the mobile deposit that was broken then it forced me to go into the bank. The tellers I have to say are really nice, even the tellers said that the atm is worthless and always have a problem. Having 2 small kids going to the bank to make deposits is not something I want to do. So much for «technology».
But today was the straw that broke the camels back… called customer service to find out why my check that I deposited via mobile on Friday still has not cleared. spoke to a young lady there, really nice by the way, but I was not satisfied with what she was telling me, I asked for her manger, spoke to a Tom, talk about unprofessional. he talked to me like I was a child one. Instead of saying sorry for the confusion, he said (very rudely and demeaning tone) «I will get you details on how our mobile deposits works, and send it to you on our secure email» my response was «no need for details, don’t waste your time «, He then said «don’t worry I wont!»
I get a notification of an email that I had a message and he sent it to me. I look and he is the Vice president of the company. ARE YOU KIDDING ME!!! unbelievable. I replied back and said I would like a call back from the president so I may speak with him. A message says it says it will take 24 – 48 for a response. REALLY!!!
what happen to customer and the customer is always right? I am so done with this bank and moving on to another. Smaller and more personal. its sad casue they were really good and up until we did that vote the customer service has gone down hill and going towards a regular bank values and I am not having it

Techcu automatic payment piece of the software messed up.
When you logon to their site, you don’t see the automatic payments which you have scheduled.
Techcu had a software upgrade this year, before the upgrade you used to see in the «pending payment» section all the automatic payment scheduled by you
But after the upgrade you don’t see the automatic payments you scheduled in their «pending payment» section.
Anybody else having this issue or I am the only one???
Any comment regarding this issue is appreciated please
thanks,

I am very impressed with Sonia at the Blossom Hill branch. Sonia is always very patient as I deposited many checks for our school’s music booster club. She has a great attitude.

We used Bobby Shamlou as our Mortgage Broker and he was responsive, organized, prepared, straight forward and painless. He performed excellently and I would recommend him to anyone. It was night and day better than our last mortgage experience.

I can’t stand it any longer!!!
I have been a member for decades.
But, «Technology» they are not, and alas «Credit Union» they pretend not to be. They want to be a bank, so they are acting like it.
If you are a small business owner, RUN RUN RUN as fast as your little legs can carry you away from this place! If you want on line banking, you need to use their POS software «secure browser», which takes up a lot of space on your computer, you need to load it for each device, and it is SLOW SLOW SLOW to load up. Then, they feel free to force you to «upgrade» it periodically without providing additional features or speed, taking a lot of your time in the process. In the meantime, you are spit out of luck to do any online banking, even when the upgrade is a mess and takes days. No tech support over the weekend, at least not for me.
Once working, it then will randomly fail to accept your credentials (including password), then lock you out for trying.
RUN RUN RUN!!!

I’ve been a technology credit union member now for close to 15 years. I funded a traditional 30 year fixed mortgage with them in 2010, putting about 25% down. The process went VERY smoothly, and everyone was impressed with how great Tech CU was to work with. I’ve paid my mortgage on time ever since, and have been a perfect customer.
Fast forward to ²⁰¹³⁄₂₀₁₄. I’m buying a new piece of property. I am well funded on my side with stellar credit, 50% down on a 15 year fixed mortgage, and enough liquid capital to buy the house outright if I chose to.
This loan process was miserable. I understand that banking regulations have changed in the last 3 or 4 years, but my problem wasn’t with the info being requested, but the speed at which it was processed.
* It took way longer than it should have to get the appraisal
* Requested documents were frequently not reviewed in a timely manner by Underwriting, causing delays while new documents had to be requested, and then wait a week to be reviewed again.
* During this process I had very little visibility into the status of my loan. The process was a black hole into which information went, and was only returned tardy, and without any details. I had no idea whether TCU would somehow revoke my pre approval (which was a very detailed process including tax returns for previous years, profit and loss statements, bank statements monthly, etc). Because of the blind/​black hole process on TCU’s side:
* I had to extend my loan/​appraisal contingency, which meant the seller couldn’t make plans for moving/​etc, which meant I had to give them an additional 10 days after close of escrow to get their stuff out (It is a large piece of property, with multiple buildings, etc). Which means I’m not paying for a mortgage on a house I can’t live in, and there is the additional complexity of dealing with the former owners as tenants.
* While lower management was very apologetic (and as helpful as they could be) throughout the process, Tech CU senior management was unapologetic and just kept telling me that everything was satisfactory on their end.
* When I requested my $ 500 «quick close guarantee» gift card, they refused to pay up their end of the deal, citing restrictions that weren’t listed anywhere in the fine print on the page accessible to the public. If indeed these policies actually exist, they need to update their page substantially.
I’ve been a big fan of Tech CU for a long time, but lately they’ve lost their way. A year or so ago, they made a push to become a bank instead of a credit union. I imagine all of this is in the name of competing with bigger institutions, but credit union members don’t WANT to work with bigger institutions. We want to work with small institutions that have processes that reflect what their members want. I chose to get my mortgages with tech CU because of their previously great customer service, even though their prices weren’t the absolute rock bottom. To me, that convenience and friendliness was worth an extra ¹⁄₈^th or ¼ of a point. Tech CU has missed the mark, lost their way, and has lost my positive recommendation. In the future I’ll take all of my business to another CU.

I love the Mobile app. I can take a photo of my paychecks right from my phone. Send it in and I don’t have to drive the the bank, all I have to do is go to my IPhone.
Love the app and glad it’s here. Thank you A+++ in my book.

Not like mainstream banks
There aren’t any hidden fees and the minimum balance for each account is really low.
I only wished that they had more readily available atms and more branches. Their account information page can also use a touch up and the itemized transactions could have more information.
The employees are quite nice and pretty efficient.

I’ve been with Tech CU since 2001, was always impressed and happy with their service and competitive rates.
But the misguided attempt to convert to bank has left me with no confidence in the BoD: if they were honorable people, they would have resigned once the vote showed how wrong they were. But they haven’t and I don’t trust them.

I went to these guys in hopes of escaping the Too Big To Fail banks which have completely screwed up the economy. Now they are in the process of becoming a regular bank. If I wanted to get dumped on and get savings rates so low that they need scientific notation, I would have stayed with Bank of America.

I am not a credit union member here. I just do other type of transactions to this credit union. They are efficient and service is always good. Very convenient to get to. close to the freeway =). I just hope they will remain a credit union. last time I was here. they have some kind of voting thing going on and it is in regard to making this credit union to a mutual savings bank. Ooh I just hope they don’t go that way (becoming a mutual savings bank)…coz In the 1980s, most mutual savings banks were forced to merge or go through a process called demutualization, converting to commercial banks with shareholders.(from
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