CommonWealth Central Credit Union

Making payment over the phone. And the rep loan dept. seemed out of it kept saying well notes say exactly what I’m going to do pay hello over the phone. I ask her for balance says I don’t have access to see really what kind of bank is this. I had to repeat my card several times in order to go through she seemed bothered tone of voice. This bank is unreliable and suggest you go elsewhere.

MIGHT have to run them in to a Federal agency AGAIN! Today another ERROR by Commonwealth Central Credit Union. USED up my time to assist them in correcting THEIR errors. I’ve used this bank since 1995 and it is amazing to me their complete lack of integrity, ethics and incompetence. In the past they’ve had to be forced to do just the basics and I had to file a complaint to the FTC and Department of Business Oversight, THEN magically they did the right thing when a federal agency breathed down Commonwealth’s neck and MADE them do the right thing. In 2014 they were audited and overcharged me over $ 600 that year. Today, they refused to admit their error when CLEARLY it was their error evidenced by paperwork. I told the woman today with the last 5 years of errors on their part it looks a LOT like harassment. Commonwealth CCU is the WORST BANK I’ve ever had and they keep getting worse. DO NOT use this bank or believe their excuses, do what I did with the majority of my business and go to another bank. UGH!

I originally opened my accounts at the Morgan Hill branch over 6 years ago. Best decision I ever made now that banks are feeing the crap out of everything. There’s fees here too but for stuff you expect like over-​drafting. Every type of loan or assistance I needed was always smooth and hassle free. Great interest rates. Love the people here too. They’re informative and friendly and not lazy at all. Hopefully this one in south san jose is the same.

Great Service From CommonWealth Credit Union. I have Purchased my residence through CommonWealth and I saved 50,000.00 in Interest by switching my home loan from a Mortgage Company to CommonWealth. I paid off the 30 year Loan in less than 15 years. I recommend Commonwealth for all types of loans. I financed 2 cars with CWCU and a home equity loan for a Kitchen Remodel.
Easy to work with Staff.

common wealth cu is overall just a horrible bank. There’s ALWAYS a problem. It’s either they randomly slap a few charges on my account (not small ones either, $ 32!!!) not to mention if I want to transfer money it HAS to be on their terms when they can, and there’s a limit on how many times I transfer from my phone, really? That’s ridiculous! What if I’m around people who I dont want to know I’m transferring money, if the bank is closed and I’ve used my «six transfers» I can’t transfer money AT ALL. How ridiculous is that?! This bank is VERY inconvenient I am currently in the process of changing my bank.

I have been a member of Commonwealth for about 12 years. Not sure why I’m even still using them. I get ZERO reward for being a long-​time loyal member. In fact, I get the opposite…
Their mobile app has failed me a few times. This last time was the last straw. Every time I get overdraft fees, it’s because I either had fraud on my account or their online banking has failed me. When I called for help on a Saturday, Desiree told me I would get a call on Monday. Didn’t happen. So when I had to call again on Tuesday, Michelle was super rude and sarcastic. When I said I was unhappy and might have to switch banks because this is a continuous problem. She replies in the most smarta** tone, «OK I’m sorrrry!» Then she began to interrupt me to tell me history on my account from 3 years ago. Wtf.
I’m done. Your employees are rude, inexperienced, inconsiderate, and have no sense of customer service, and your mobile and online services are terrible!

Please bear in mind that I am not a CommonWealth member, although they are partnered up with my credit union so I can perform banking there, such as deposits, withdraws, etc. I’ve gone to this location because it’s near to home.
The several times I’ve been there, there’s FOUR teller windows and only ONE window open. (if you’re super super lucky, there might be TWO open… but if that’s the case, then someone is usually taking up the other teller’s time with major banking issues, etc for 15 to 20 minutes or so. I can’t really understand why they wouldn’t call the member in one of the back offices and sit them down to let one of the banking assistants help them out instead of tying up a window for that long.)
There’s a line going out the door! I should add that there’s usually two or three employees behind the teller area standing around cackling, socializing amongst themselves and not opening up another window to try to get the traffic down. To me, that’s a big turn-​off that they would show such disrespect and lack of consideration for their members. I witnessed two other people in line curse under their breath and walk out this afternoon.
The branch is literally 5 feet away from the corporate offices next door, and it’s unreal that they couldn’t see what’s going on or just ignore it.
Not planning on going back again.

This is literally the worst bank I have ever dealt with. First things first — I am NOT a member. (THANK GOD.) I called American Express and asked them where I could get traveler’s cheques from since I didn’t have time for AmEx to send them to me via mail. They cited CommonWealth as a «partner». So I call the local branch, just near my house, and they tell me «no, we’re not that branch, we’re corporate.» Ok, no big deal, although «corporate» is literally 5 feet from the branch. Anyway, they tell me they need to find out if the local branch has the cheques. They said they would call me back. They did not. I called them again, and they said sure, they have the cheques. In ALL of my conversations, I made it clear I was NOT a CommonWealth member, and they said it was no problem. I showed up and asked for my cheques, and they said if I didn’t pay in cash, I would have to pay all kinds of fees as a «cash advance» via ATM, credit card, etc. This despite AmEx calling them their «partner.» And I should point out that the teller took what seemed like a million crappy incoherent words to explain this. She was clearly never going to make MENSA. Anyway, I said fine, I will go to one of the branches that was open on Saturday, and bring cash. So I went to the Milpitas branch. It took 30 minutes for them to tell me they could not give me traveler’s cheques if I wasn’t a member. I brought up the fact that I was NOT a member in EVERY conversation I had thus far. EVERYONE said it didn’t matter. But he was told that I was ineligible to get cheques. I SHOWED HIM their OWN #1 result on the AmEx site that they were a place where AmEx customers could get cheques. This dude (though nice) told me I was wrong.
To summarize, ⁴⁄₅ people I have encountered at this franchise (over the phone and physically at 2 franchises) are total morons. None of them are on the same page and they’re pathetically inept. I went to Chase after this and it took me FIVE MINUTES to get my cheques. Pathetic.
I WOULD NEVER BECOME A CUSTOMER OF THIS CRAPPY ASS BANK. IT IS A JOKE.

This is the worst bank I have ever had a account with. I left Bank of America after almost 10 years because after a few bad experiences and I was told credit union’s were the way to go. NO WAY! They have the worst customer service, their mobile app is so slow and your transactions don’t post until days after, leaving you a very inaccurate balance. They are closed Saturdays. They don’t offer any over draft protection warnings. What made me close my account was when they started placing holds on my direct deposits from my work. They would place up to 3 day holds on a direct deposit! They rest of my coworkers would get paid right away. When I went into both the Moran Hill branch and Silver Creek to complain I was told they would release the fund right away for a $ 25 fee. That was when I had enough. I would not recommend ever coming here for anything! Horrible, horrible customer service. Bank of America or another large bank is much better and treats their customers like they are valuable, which you will not get here at Commonwealth Central Credit union.

Nice friendly staff, only when I’m there they seem to be understaffed, but they still do their best to make sure your short visit pleasant. Never any confusion on transactions with their tellers they are well trained.

Friendly tellers, short lines, and if you’re a member then you can access your account from an ATM at any 711. I just wish they were open Saturdays.