Golden 1 Credit Union

I am happy with this bank. I love that no deposit slip is required. Always have been very helpful and courteous. I have had nothing but good experiences. Recommend to all.

The most miserable banking experience you will ever have.
It’s as blue as best buy in this place and looks like a bank as much as a day care center.
Banking here is like going back in time.
For instance: depositing money in someone else account. I gave the account number, name on the account, my money and my ID. Then a bizarre 5 or so minutes went by. Clicking and typing. What could possibly take that long? What prehistoric program are they running? After it seemed odd I counted about 500 more keystrokes!
Then the teller starts to fill out paperwork too! And the form is so cheap the carbon copy doesn’t work and has to write everything twice!
No smile and an incredible nonverbal communication of disgust for either herself, her job or the world. Yikes!!! I felt terrible after leaving.
So glad this isn’t my bank.

Are you an idiot?
Do you like having your money and finances cared for by idiots?
I mean, complete f-​ing incompetent idiots.
I’m about 75% sure this review is going to be deleted and I should probably wait until I cool down to write it but if I can warn as many people away from this place as possible I am going to do so. Excuse my «French», I’m a little upset and have been for over a year now. And what happened to us today, well, it just takes the cake.
Also, do you like being treated like a lobotomized 5-​year-​old? And do you like dealing with Customer Service Reps so miserable at their job they do nothing to hide it? I’d like to give special thanks to the jackass at the Call Center that I got when I tried to sign up for online banking and the website wouldn’t take our account number. I loved the way he rudely told me that the account number I read to him off of my check wasn’t our «real» account number though at any other financial institution it would be, mind you this was after the woman that signed us up at the branch for the account also told us IT WAS THE ACCOUNT NUMBER WE’D USE TO SIGN UP FOR ONLINE BANKING.
And, if you like waiting in line 15 minutes for the ONE or TWO tellers they staff at the branch only to walk up to their window and be ignored then I have the place for you.
True Story:
I get married and the husband and I decide that we want a joint account, except we don’t want to deal with a bank and my credit union in Orange County is too far away for his liking, so we sign up at Golden1 for a checking and savings account. My husband had already established a relationship with them when he used them to finance his last auto purchase and opened up a Visa card with a handsome limit. Mind you my husband has EXCELLENT credit, the kind that makes lender’s panties wet, and mine isn’t quite that level yet but it’s getting there. So not only did we want to have joint accounts, we wanted to consolidate some of the debt we had accumulated from our wedding. I had a few credit cards I was paying off and had taken out two small personal loans from my credit union in Orange County to help pay for some of the larger expenses since we felt bad living in sin and just wanted to have our wedding. When I went in I told them I was willing to close all but two revolving accounts, and with good reason, and they were not having it.
And so we have two versions of what kind of person I am…
Their version: I’m a moron that can’t manage money and need to be spoken to like I’m ten-​years-​old and I need to close all revolving accounts. But they will help me out with 60% of the amount I’m asking for if I close everything.
My version: I’m searching for the convenience of one monthly payment at one financial institution and trying to lower my interest rates like any financially smart person would do. I don’t need to or want to close all of my revolving accounts because A. One is an account that my vet’s office takes for puppy emergencies and offers no-​interest payment plans and B. I really like the rewards and coupons I get on one low-​limit retail card and I’ve been with this certain credit company for a very long time and have a good relationship established with them.
So after deciding I don’t like being treated like, or spoken to like a «special needs» child, I tell my husband I’m not going to do business with them and we hold off on the joint account for awhile. Well cut to a few months later he finally agrees to go joint with me at my credit union in Orange County, who by that time had fully consolidated ALL of my debt without asking me to close one card or account, but I closed all but the two I said I would because I’m responsible like that; my husband also moved his debt with Golden 1 to our other credit union, and Golden 1 received a check about three weeks ago to pay it off and should have stopped taking automatic payments out of my husband’s personal checking account.
Guess who just got overdraft fees this morning when Golden 1 tried to pull money that we did not owe them?
Yup…