Client Reviews on Cove FCU
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Great people
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I can deposit money and receive part of it, and the rest shows up a random amount of days later. Like, why.
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I started out as a SEMC member and I liked it then. Now there is only 1 location and the hours suck, only open the hours as most working people M-F. I have had multiple personal loans and ALL of them are paid off and always paid on time since it came out of my direct deposit from my paycheck. I also have a auto loan paid on time and never been late. I asked for a small $500 personal loan and was denied, I was trying to get a flight for a funeral. But the financial guy wanted to meet later that week to help me build my credit, and a hour prior to the meeting I called him and he forgot he scheduled a meeting with me but had a meeting at the bank. I have also had a paycheck hit the morning of and they processed a check just prior to charge me a fee. I'm pretty sure deposits are supposed to get posted before debits do.Cove has definitely changed since it was SEMC, and they are not there for the members.
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Very poor customer service, excessive fees and no communication. My savings avaccou had positive balance and linked to an insurance account. Charged me an overdraft fee on the insurance side even though the same account. Manager would not reduce or refund fee. No communication by bank regarding issue. Was banking here for years but won't recommend or bank with them or any of their "partner banks" again.
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Been banking here over 10 years love it
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HORRIBLE customer service!! Moving accounts ASAP. Will charge you numerous overdraft fees, from charges that post on your account ledger for the next day, but post on your account the day before!! How can a charge be posted to your account, the day before, but processed on the following day??? Not to mention I deposited well over enough to cover the overdraft charges ON THE SAME DAY it hit my account!! Went to talk to them, and even though I had the money deposited in my account EARLY the same day they would NOT do ANYTHING to help!! Manager was a disrespectful jerk that wanted to argue about how charges were processed instead of trying to figure out a solution!! EVEN THOUGH I HAD MONEY IN ACCOUNT!! As much as I hate 5/3rd I haven ever had a problem like this there....at least 5/3rd is a national thieving agency, whereas Cove is more local, so the small base they have you would think they would be a little kinder to their customers!! Looks like I'm not the only one that feels this way reading ALL of the similar reviews!! What a shame!!
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As a recent college graduate with my first big-time job, it was tough getting any bank to take me seriously when it came to my first car.Cove put a ton of trust in me as a young adult with a degree, and it has paid off for both of us. Cove gave me a great rate on my Dream first car, and gave me the tools to build my credit for bigger loans down the road.I can’t speak any higher of Cove FCU. Changed the way I think about banking. It feels good to be trusted and treated like family.Thank you Cove!
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Cove used to be amazing when they were SEMC. But ever since they became Cove their customer care has gone way down hill... in fact it has plummeted into a ravine. We make a lot of deposits since I run a small business and it always takes me forever to be greeted and then for them to complete my transaction. I always note about 3 people standing outside in the back of the building smoking. Not only is their response time for making a deposit horrendous but so is their loan department. We went through them for a loan on a truck and they lost us the first truck we wanted because they literally took so long to process—and we have excellent credit and a long track record with them. We literally had to keep calling and calling to get our loan completed. The final straw with us has been a recent incident of fraud in our account. We had multiple transactions using my debit card come through at various chipotle locations in a different state. We caught it immediately on our end and had them shut my card down. There was close to $100 debited from our account. They told us it could be up to 45 days before it is credited back and that they can’t grant me a new debit card until the dispute is further in the process which could take 2-3 weeks!! So meanwhile I am hugely inconvenienced without a debit card. My husband is going out of town and I’ll be stuck without access to our account and forced to have to carry around enough cash to sustain my household over the weekend since they only have one location and horrible hours. We tried calling back again today and someone took a message and we still haven’t gotten a call back hours later. I would caution anyone on this bank. They don’t care about the customer which is why most people want to go to a credit union. Also, I can’t imagine what would be happening to my family right now if the thieves who got my debit card info had made a purchase of $1,000 or even $500!! Having to wait 45 days for a refund is asinine especially when you can see clearly the charges were happening in a different state on the same day transactions going and coming from our account were here in Kentucky. And then to make your customer wait almost a month for a new debit card?? Why are we being punished for this? Most banks will credit your account and so long as their dispute confirms fraud that is that—if it doesn’t then they debit the amount out again. But not Cove—everything must be difficult with them. I am very disappointed and frustrated. As soon as our money is reimbursed we are switching banks immediately and will never do business with them again.
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Applied for a car loan, sent all the information they needed via email the day they asked for it . A week later I called and was told they never got my emails. ..poor communication , poor service
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