Mill City Credit Union
Client Reviews on Mill City Credit Union
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I primarily bank with Navy Federal Credit Union because I prefer their credit products. I did use Mill City for quite awhile and it was great when I did my banking there. I had one payment that comes out of the account that is next to impossible to change over, so I kept my checking open for this payment to come out. It randomly posts on different days, so sometimes my ACH transfer doesn't go through before the payment. That is fine, I was okay paying the $30 NSF fee for my lack of being proactive. I always got money into the account - no worries. I have always been super happy with the service, and have always felt comfortable recommending people to this credit union if they were looking for a local bank. City & County Credit Union took over not long ago and that was the end of the excellent service. The first month my account had the negative balance because the payment, I was harassed via phone and mail about the balance. City & County decided not only would they charge the NSF overdraft fee, but in an attempt to bring in more revenue, they decided to start charging a DAILY overdraft fee. Every bank in the past that I have experience has had this blow up in their face really quick. It is an attempt to pray on peoples lack of money management skills for their own gain. Not only that, I wanted to call and inquire about the incessant fees before I just went ahead and paid them the first time. Time slipped away from me between my two jobs and masters program, and it got to close to the 28 day deadline they give you before they close your account. I randomly called on a whim one afternoon, not even realizing it was this close, and got a return call back from the collections lady, whom I believe is named Carol. She was impolite and unapologetic. I tried to inquire around their reasons for the daily fees, in which she had no answer besides "it was written into the terms when City & County took over." She let me know that if my payment wasn't received by morning, I would have my checking closed and reported to Chex Systems. I had sent an ACH transfer that morning just to clear it up while waiting to hear from them, but she had let me know that even with the receipt and proof of funds transfer, if the payment wasn't received by the morning of the next day, she would proceed to close my account. She was very threatening and quite rude on the phone. Not the service I would expect from Mill City in the least bit. Fast forward one more month, I try to be more proactive this time and initiate my payment earlier. It arrived to them 1 day after, so they slapped on the one time charge, and started accruing the daily charges. The letters and phone calls started yet again. I can admit my shortcomings. I should be more proactive with my funds transfer. I am more than happy to pay whatever fees are associated with my not being timely, but the service I received in regards to this as soon as Mill City switched over is not okay. I have been a customer for many years, and have had this happen several times before and NEVER had an issue. I paid my fee, took my punishment, and moved on. But to be threatened, harassed via phone and US Mail - this is inexcusable. Credit Unions are suppose to be about the community, and they are suppose to be there to do GOOD. The tactics they are suddenly using under City & County Credit Union are not conducive to what a credit union stands for, especially their desperate attempts at praying on peoples money mismanagement for their own financial gain. How sad. I have already refinanced the car loan I've had with them for the last 6 months and now I will gladly take the time to sit on the phone for 45 minutes to move the last payment over from them, so I am able to rid myself of this credit union.Mill City was a phenomenal bank, filled with amazing employees, who took the time to care about each persons individual situation and to try their best to help them succeed. But that is not what City & County is about at all.
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Worst experience ever trying to get a loan; seems like no one know what they are doing. Very sluggish.
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I’ve found MCCU @ the Wayz. Bl Location extremely down to earth. Getting ones Password, with your ID reset & you’re back on line when & if you’re lock out @ no charge. You may be asked to stop in @ a location You can’t get that Identical Hospitality Service @ eg; Wells Fargo. “MCCU is NOT a Bank”
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I've been banking with them for over 20 years but this last merger has been awful
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I’ve been a member for almost all of my life. I wouldn’t ever switch. Mill City CU is the greatest!
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Deposited a work check on Thursday and im still waiting on Monday for my funds to be deposited. Called customer services and couldn't get a definitive answer to when my funds will be available. Terrible customer service to match the terrible banking services.
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My 25 year experience with MCCU has been great. Their loan rates have always been competitive and I love the option to have loan payments automatically come directly out of each paycheck.
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Check cashing fee is absurd
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Hi mill city
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