Utah Community Credit Union

It’s very odd to wait in the lobby for 10 minutes, watching employees typing and walking around and talking to each other rather casually, but to not a single Member Service Rep be able to help me. Even come over to say, «Hey I am working on something, it could be ten minutes, just so you know.» Yeah, that’s what I call below average costumer service.

I’ve been a member for over 30 years, but UCCU’S rates and services have plummeted. There are fees and limits for everything. And they don’t even come close to the rates you can get at a bigger bank. Their service is hit or miss. I’ve had nice, helpful service providers and real jerks (I’ve even been hung up on when contesting a fee). Do yourself a favor and shop around for better banks and rates. As for me, I’m closing my account and putting my money where it’s accessible and getting a much better interest rate.

I can’t say I’d recommend UCCU to a friend. Though they provided a great interest rate on my auto loan, the process has been full of headaches. I got a «late payment notice» a month before my first payment was due which was a headache to reverse, then I received a threatening letter stating I hadn’t provided proof of insurance yet when I did that two months ago. Their online system is also clunky and outdated. It’s a hassle trying to work with their customer service or get anything done.

Awful system, especially with their overdraft policy and they will consistently find ways to penalize you and take your money. I use my UCCU checking account for my business, so I’m always depositing checks and cash and using my card to make purchases for the business, and I’m really careful about not withdrawing more than I actually have in my checking/​saving accounts, but it’s impossible to do so with UCCU due to their crappy system, which makes it look like UCCU is out to cheat their customers rather than serve them.
If you deposit a check, it takes two business days to process (which is normal) but what’s more is their policy clearly states that you will receive a percentage of the money you deposited on the same day and then once the check clears, they’ll put in the full amount. Simple, right? Not so. Example: they will say that you have $ 300 available immediately from your deposit of $ 1,600, and then if you make a large purchase or two (knowing that you’re NOT overdrafting your account, since you have that extra $ 300), they will suddenly make that money «disappear» from your account and you’ll have overdrawn your Checking account. If you have money in your saving account to make up the difference, they will take that money out (overdraft protection), which I like, BUT they’ll still charge you $ 25 for each purchase that you «overdraw» from your account.
I have been penalized 6 times in a row before for «overdrawing» my account, costing me $ 150 dollars. When I checked by account after finding out I lost $ 150 dollars in one hour through penalizations, it showed that I had enough money in my checking account and even more in my savings account, BEFORE the overdraft penalties. The penalties put my balance under, NOT my spending.
Customer service, both on the phone and in person, will treat you like a crap and act like you’re a moron if you call to complain about this. They’ve told me that I have to know how much to spend and it’s my fault for overdrawing my account, no matter how many times I’ve told them that I HAD the money. I’m going back to Bank of America now. They’re a chain but they treated me a hell of lot better than this crappy little credit union.

Uccu is the best bank I’ve been a customer of. Service is friendly and convienent. And no hidden fees

I’m an enormous fan of UCCU. We’ve got personal and business accounts there and the service is top-​notch.
Credit unions are enormously under-​appreciated. They’re heads-​and-​shoulders above banks in almost every category.