Mountain America Credit Union レビュー 63

I have called multiple times just trying to get my account number so I can make a payment, and the experience has been extremely frustrating.

Each time, I’m placed on hold for long periods and asked repetitive and excessive verification questions. Even after providing my checking account information, driver’s license, and the last digits of my account, I’m still told I cannot be validated.

It honestly feels like they are making it difficult on purpose, almost as if they want customers to fall behind on payments.

I’ve now spent over 20 minutes on the phone without getting a simple answer or resolution.

This kind of service is unacceptable. If you’re considering taking a loan with this company, be aware—this could impact your ability to stay current and ultimately affect your credit.

Very disappointed with the lack of support and transparency.

We obtained a 18 month construction loan from MACU (Mountain America Credit Union). The initial sales experience was positive, which is not a surprise. The draw process throughout construction was not easy and according to many subs required information not typically required by any other construction loan bank they typically receive draws from. At the end we only needed 2 more weeks to complete the project and there was no human-relationship component to the construction loan process. Despite the house having twice the value of the loan once we finished, there was no flexibility to help us reach the end and receive our CO. We lost the option to adjust to the current interest rate and our interest was further increased by .25% points in order to get a 30 day extension, despite really only needing 2 more weeks to get our CO. We were able to find, qualify for and secure new lending that was 1.25% interest points lower than the MACU loan (due to the consequences of needing a 30 day extension), so we elected to refinance. MACU was extremely rude and difficult to us, the title company and our new loan banker. Our new bank said they had never experienced a bank that was as difficult as MACU to provide the industry standard information to allow us to refinance. We never would have left MACU if they had been more supportive and flexible at the end of the construction loan. We understand they are missing out on a lot of interest payments over the life of the loan, however customers come and go and refinance all of the time, so being difficult is unacceptable. There is no excuse for the difficulty we experienced to get our new loan closed. We are in the local construction industry and we will NOT be recommending MACU for future customers.

We went with them because our loan was a "Home-owner builder construction loan", which is a more difficult type of construction loan to receive. In hindsight, I wish we would have gone with a local lender that would actually work "with" us, and not just be a bank for lending.

Also their website is very outdated and not easy to use for payments.

Do not use this bank for construction loan lending!

Mountain America Credit Union (MACU) to a different institution, but it technically requires refinancing—closing the old account and opening a new one, rather than a simple transfer. While your current mortgage lender may not allow a new second-position lien holder, other Utah lenders can often refinance the HELOC into their own first-position mortgage or as a new second lien, provided you have sufficient equity

Once a customer oriented and competitive in offerings. Currently this credit union continues to lose customers because of the lack of customer service, long wait times and consistently removing options that made them competitive.

I am giving a 4 star because the bank is great! But their app is always having issues. ALWAYS! It's driving me nuts!

This credit union does not understand court documents. The employees are rude, unhelpful, and grossly ignorant of basic financial institution responsibility. We actually filed a complaint with the NCUA over their incompetence. Stay away!

In an increasing online/digital banking environment, this bank absolutely bucks. I have yet to ever get satisfactory service over the phone for my business accounts. Will be switching as soon as feasible.

Was lied to multiple times. The lack of knowledge for business credit was unreal to me.. they even had a vehicle loan for 3 yrs which gave no credit through personal or business credit.. if you want a quality place to help give you credit and better your situation this establishment is not the correct place.. would not recommend ever

If I could give them zero stars I would . I have had so much fraud on this account , but this last one is the last straw as it can e from a number on their website through Zelle, and they did NOTHING to fix the situation, basically said tough luck and that’s it. Literally the scammers took ALL my money out of my account and they are making us seem like it’s my fault I got scammed when the fraud was directly resulting from their website. I am LIVID. I had my money as well as my entire personal identification information taken from home. They don’t care . They will get their money back.. from the investigation, they just won’t give mine back to me / this is the second account conversion I’ve had in 3 months from fraud it just another of many fraudulent charges the bank allowed though . Worst customer service ever!

They returned the payment I made on a car loan from them then repoed my car. They refused to communicate with me or respond to my email and destroyed my credit for several years

We deposited a check from a different account on the 22nd, and they put a hold on it until the 26th even after it cleared our bank.

It is incredibly frustrating to feel like a loyal customer for years, only to be turned away when you need a simple tool to grow your business. Five years of history usually counts for a lot, but merchant services (taking credit cards) work a bit different
Even though my FICO scores were 650
They would not give me a credit card reader.
I guess I have no choice but to continue to use square and pay their high price fees for a credit card use
This is the first time I've had problems with mountain America and I'm really sick of them saying it if I ever need anything they'll be there for me.
The people that work there are very nice but the policies are very unfair and unrealistic

I was lied about the interest rate that I was going to pay for my car note in order to get me to sign up. I looked at the interest rate written in the document I signed and was told that they were going to fix it to the interest rate they originally told me. That didn't happen, I was paying more interest rate that I normally would have. The only reason I did my car note with MACU was because I believed they had the cheapest interest rate because they told me so. When in fact, they were one of the most expensive and lied to me in order to get me to sign up with them. Never again MACU, I don't recommend them to my worst enemy.

I have been with MACU for YEARS and I have an obvous fraudlent charge on my card. This isn't a small amount either. I disputed it and MACU found that it was legitmate. I have my state Attorney General investigating this and they agree it is fraud but MACU doesn't and they are inisiting that I pay this large dollar amount.
I was told by someone yesterday that I could redispute it. Today I am told that I can not and they do not stand behind what their employees tell their customers that they owe us nothing. The supervisor I spoke to had a deffinate attitude.
I told them that I am going to close my account and was told "oh well".

My experience with Mountain America was amazing! The team was friendly, professional, outgoing, and extremely knowledgeable! I always felt welcome when calling and going in and the team was eager to assist you. I’ve seen some of the reviews and don’t understand those that left lower scaled scores. This Credit Union was so helpful I truly enjoyed banking there and was very bummed when I thought I should leave. (I moved out of state & didn’t realize they had sister banks across the US). When I Mountain America I went to USAA which is an amazing institution. I would definitely rank Mountain America in the same league as USAA! Keep doing the amazing job you’ve been doing!

I am FURIOUS with the lack of access to my money that I have had overseas. I am currently sitting on a free shuttle and now running late for my flight back to the US because I have once again been blocked from booking an Uber on both of my MACU bank cards. I have provided my travel dates through the app before traveling and have already contacted you TWICE while in Ireland to remove repeated blocks on my cards. I have been stuck trying to get from the airport to my hotel upon arrival, stuck alone late at night trying to get back to my hotel, and am now running late to catch my international flight because of this despite reaching out to you several times throughout this trip. I only bank with MACU and have had NO access to funds during these times and have been left totally desperate, alone, trying to figure out alternatives with NO money. You had better believe that will change after this experience. I could not be more infuriated right now. Honestly, screw you all. I will never travel with you again!

I sent a check using USPS. The tracking number indicated they received the check. I called MACU numerous times to make sure the transaction with the enclosed funds are performed. They indicated they were on it and to call the next day, After several days of calling, getting the run around, they said they lost the check. They were of no help. Because this was a 401K check--it was issued by the administrator I had to call the Administrator to begin a check cancelling process and waste of not being able to have my 401K transferred. Do not use MACU. They have no customer service. And when they answer they are rude, inconsiderate, and not reliable.

Wouldn’t recommend. My husband cashed his paycheck through them, was told there would be a 24hr hold. We are on day 5, and still no money we can access. Husband called and spoke to someone, informed them we have very important appointments today that we need OUR money for. They still won’t release our money, almost 3k. Claimed that they don’t have enough history with the people who paid him. He works for the city, how do you not have enough history with the city? Paycheck even says “CITY OF _____”. She said once the hold is done on the check they won’t need to hold any further checks from the city. My husband just laughed and said he’s switching banks after he gets his money. Save yourself the headache and don’t go with Mountain America.

Went to deposit a check. Had the teller accuse me of stealing the money. The manager tried to get me to get a loan instead of depositing my check. Questioned what I was spending it on. Kept saying it was fraudulent. Then put a two week hold because they said it wasn't good. It is. Ridiculous. Will be changing credit unions. Never have I ever been treated so terrible.

This is by far the WORST bank someone could EVER deal with! They close branches left and right and their staff has no clue what they are doing. I have since switched to a different bank and wish I would have a long time ago. Do yourself a favor and run from this bank! Literally any bank is better than this joke of one.