Bellco Credit Union

I try to avoid banks and always use a credit union, but I must say I cannot wait to get away from this place! They offered a car loan promo of which they will put $ 300 in your acct 90 days from your 1^st payment. I called a month early to confirm the date I would receive the deposit and nobody could even confirm it was pending or when I would get it. Getting the out of state loan funded was like pulling teeth to begin with and now they aren’t processing my promo deposit.
Rather than submitting an email to their «customer service» you’d be just as well off calling a completely unrelated bank, that’s about how helpful their online customer service is… unfortunately, calling is not a lot better. The reps are rude, a bit condescending, which is ironic considering they are simply sitting in a call center answering phones… and still can’t do it well. They have advised me to come into an office on several occasions so I always like to ask when they opened branches in Vegas… at any rate, if I wanted to take my personal time to walk into a branch to simply have you do your jobs I would have never called… come up with a better answer!
Do not open an account here, there are plenty of other credit unions in Denver or even out of state that can take phone calls, be friendly, follow through on promotional deals, and properly read a credit score… My final feedback: when I got my loan approval, they manually dropped my credit score by about 50 points. I know because I had just closed on a house and had dealerships run my credit which showed a completely diff credit score than Bellco from all 3 agencies.

I opened my account recently, which was a very easy, friendly process. Sadly, I recently fell victim to medical issues. My disability company bungled their job and I ended up without a paycheck for a couple weeks. I have been watching my pennies very carefully, but an unexpected bill struck and caused a chain reaction of overdrafts that reduced me to a twitching mess. I called Bellco to beg forgiveness and got Christopher. I started apologizing and he stopped me, informed me that I am dealing with a credit union, not a bank, and therefore a real person. He refunded the overdraft fees and wished me a Merry Christmas. I was not shamed, insulted or belittled (as always seemed to happen any time I had any problem with a bank) and was not subjected to the «We’re very sorry, but unfortunately there is nothing we can do…» speech. Bellco, you have a customer for life!

I am at my wits end trying to deal with this bank’s deplorable service. I have made SO MANY calls to the customer service team and they just shine me on and REFUSE to do what they promise. Bellco is now directly responsible for holding up the closing of my home loan, and even though I have told them that THREE TIMES, they simply don’t care. I am now about to lose my rate lock.
I have thousands in a checking account, a HELOC and a car loan with BELLCO and they still treat me like a nobody. This is by far the worst experience I have had with a bank, and the first negative review I have ever written. STAY AWAY FROM BELLCO.

Worst customer service period. Talked with the manager she was even worse not helpful and was a complete snob will never go back and will open a new account elsewhere.

I had banked with Wells Fargo a (and its’ predecessors) since moving here in 1989. I finally got fed up enough with their inability to provide the service I was used to getting and moved all my accounts to Bellco in March of 2013. I thought working with a local credit union would give me a little more of a «home-​town» feel. What a mistake! I am once again looking for another bank to handle my personal banking. Next week will be three weeks since I first tried to make a cash withdrawal from one of my accounts and can not get the cash i want until next Thursday. If I had access to the «Pony Express» I could have had my cash last week. Granted, I was asking for a larger than one might normally expect to withdraw and gave a courtesy call to my branch to see if they had the cash on hand to meet my needs. The answer was «no, call back on Friday and we may have it». Come Friday, the answer was still «no». Both of the people I spoke to said «if need be, call next Tuesday and we will order enough cash for your request». So, I called Tuesday and spoke with a supervisor, who after hearing my request to withdraw a larger than normal amount of cash said, «You should have called yesterday (Monday) to make this request». He said, «I’ll have it here Thursday». Today is that Thursday and I called to see if the cash I wanted was at the Huron St office of Bellco. I called and spoke with the same manager and he said, «no, I meant it would be here next Thursday». After 8 months of banking with Bellco, I am looking for a new bank where it won’t take me three weeks to get my own money! This is absolutely absurd. So if you need to get some of your own cash back from your bank account… DO NOT USE BELLCO.

At this stage of the financial services game, it’s a mystery to me why anybody still deals with the big national banks (Chase, USBank, Wells Fargo) when we have so many good credit unions in Denver.
Credit union deposits are federally insured, so they’re at least as safe as bank deposits, if not more so. CUs are member-​owned, so they don’t have to screw customers in order to placate shareholders. As a result, you’ll always earn a little more on your IRA, or pay a little less on your car loan, at a credit union.
Throw in local control, and a lack of corporate overlords, and we have a winner.
Bellco has branches all over the metro; you can also bank at any Co-​op member institution. Their ATMs don’t charge fees, even for non-​members.
Bellco’s online banking service works very nicely. I have business accounts, a home equity credit line and credit cards with them too, and I’ve worked with their auto broker, Automotive Avenues, to buy two vehicles. I’ve banked at the Harlan branch for almost 20 years.

I have been banking with Bellco since I was a teenager. They have always done right by me. I also have a business account with them. I love that their atm’s never cost anything. You can also use all US Bank atm’s for free and deposit at most other credit unions. Their customer service is top notch and here is the latest example of how great they are:
Merle and I have a joint account which a few days ago became in the negative because some crooks made a duplicate somehow of Merle’s card and then proceeded to spend over $ 1000 at get this, WalMart and K-​Mart. I mean if you are going to steal from me at least shop somewhere good.
The tricky part was this happened on a Saturday which meant we really just had to sit tight and wait till Monday to talk to the bank.
Fortunately for us Bellco is the bee’s knees and had cancelled Merle’s card even before we did by Sat. evening. On Monday morning Bellco called Merle to let him know of the thieves goings on as we were en route to Bellco. He signed some paper work and they printed him a new card right there. It is nice to know that someone is looking out for the consumer. Bellco will always have our business. If you are looking for a new bank I highly suggest hooking up with a credit union… it’s for your own good! =)