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60 reviews of San Diego County Credit Union "San Diego credit union is the best bank I've ever had. Everything was done properly and timely. The first time was when it … They don't seem to care about you. I contacted John on a Thursday, and the following Saturday,…""My husband and I recently bought our first home and we went through Modern Lending for our loan. Determining the Funds Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. you guys are the best.Terrible management. Dunno what happened to their customer service but this is ABSOLUTE GARBAGE.I am very disappointed in them at the moment. Go to any other CU I could not recommend against them more!!
This caused a ripple effect and so my February and March payments were not deducted in the usual manner. Funds Availability Policy by Deposit Type. SO SO disappointed that this institution will not accept responsibility for the actions of their employees. Unfortunately, the auto dealership stuck me with this horrible relationship. I've never had to wait. This bank isn't very helpful or even nice about these types of situations. I've been a member for almost 20 years, and up until recently they have been great. In fact, that is why I am giving them 4 stars, because I feel I got an honest answer.
Online is the worst I have ever experienced and I worked for a local credit union for over 15 years. Ten years ago I would not have hesitated to refer San Diego Credit Union to friends and family. I have been met with her two times…""Some realtors pride themselves on talking a big game, driving a fancy car and…" After 5 follow up calls and four weeks later they are finally trying to send the check that never arrived in the first place.The new security system is terrible. Went out to lunch and card declined again, knowing very well I have enough in the account.
After bills were paid a DAY later, THEN SDCCU decides to place a hold on the account...putting my account negative.
The new online banking I am having difficulty logging into my account. I just opened a deposit account because my landlord banks with them and it would make paying rent easier.
I was one of their biggest fans. I've been a member since my very 1st bank account at 17. They won't provide payment coupons and they have an impossible web interface for making electronic payments from any other account outside of their bank. I know, first word problems. They asked me security questions I've never even put in my account and obviously I don't know those answers so they locked me out of my account 2 days in a row. I understand being friendly, but not when there are 4 people waiting (for more than 5 minutes).I am so disappointed in San Diego County Credit Union. Availability of Funds (Apr 1984). Federal Regulation CC governs how long you can be made to wait before drawing funds against your account based on the timing, the type (e.g., cash, check, direct deposit) and, in certain cases, the amount of the deposit. I needed the money order for my first months rent and deposit at my new house. causing it to decline, because oh yea, by the way, did I mention I did not apply for anything!!! Cash the check and move on like every other bank.
Closing all 3 accounts after I move and will never say a positive thing about this bank again. I honestly can't imagine why anyone would want to have a banking account with this institution with how little services they are willing to provide. The return call came 1 hour and 40 minutes later.First time at this SDCCU location. . And you can never talk to somebody right away, they have to call you back...and that is inconvenient! As prescribed in 32.706-1(a), insert the following clause:.
At least the tellers have been quick and efficient with my transactions. Note to bank, I don't let you use my money all year so you can add stress to already stressful times in my life. I have a checking, savings, business checking, mortgage and credit card account here.
That is all I opened.
SDCCU provides certificates which are the credit union equivalent of bank CDs. Wouldn't reverse any of them. In the most RECENT situation, a check's funds were released WITH NO HOLDS on the account. First time getting overdraft fees for a service I didn't want to have active to begin with and they charged me $130 in the span of 6 hours for charges that landed in my account days later than they should have. I paid a large sum towards credit card. In some cases, we may delay Thanks SDCCU San Marcos (and Alex!) They offer their 'cds' terms ranging from 3 months to 60 months (5 years). Everything else is great though, some convenient perks but I don't know that they outweigh this area where they lack largely.Awful!!!
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