San Diego Metropolitan Credit Union

Opened an account as part of a solar loan for Sullivan Solar. I have been very frustrated with getting basic information such as getting logged in for the online portal, when is my first loan payment due, how can I set up auto pay, etc. The phone center is the most ineffectual service I’ve ever dealt with and the only response they have to any inquiry is «I can’t access that information from my computer.» Their recommendation is always to come into a branch that is no where near me and that have hours that are impossible to make it to if you have an actual job.

I have been things clear up open account today they so easyer me was so help ful thanks so much

This bank is horrible, THEY CHARGE YOU A FEE when you conduct a DEBIT transaction… Unheard of!!! & they””” FORGET”””” to mention this when you sign up, they are also inconvinient when it comes to depositing checks and cash into your personal account, you’d have to wait in line at the branch to do so because they have but one branch that actually has the ATM machine that you can do such things and way out of my way up North somewhere… HORRIBLE & SUPER INCONVENIENT :(
NEVER BEEN MORE DISSATISFIED WITH A BANK…

I’m really picking about my service but I was helped by Kristina and had a great experience. I had questions regarding my account and she helped me out thru my whole process. I just don’t like being left in the dark and I got my problem resolved. Thanks !!

This place is horrible. Do not open an account here or get a loan here unless you like doing things the way they were done in the stone age.
When I got a solar loan from these guys, they used a bait and switch tactic during the loan signing stating an interest rate 1% higher than what was told initially, unless you have the payments setup for autopay. Ok fine, let’s set it up for autopay, well guess what, the only option they have for autopay is from an account with them. There is NO WAY to make a payment online or anything, you have to drive to one of their remote locations and deposit cash, or mail in a check.
Their system SUCKS. With most bank accounts online, you can add external accounts and initiate transfers to/​from them. Well not with good old SDMCU, this is the only bank I’ve seen that CANNOT be added as an external account in which to initiate ACH transfers.
I had to refinance my home recently, and they charge a 150 $ subordination fee for the lien on the house for the solar loan. Well the only way they would take payment for it was with a cash deposit. I had to drive 50 MILES round trip to make a payment that they could not take over the phone. I called and attempted to make the payment with someone over the phone with a debit card, and he says sorry we dont have the system to process that??? YOURE A FUCKING BANK.
Long story short, FUCK THESE GUYS and their shitty customer service and 0 option inconvenient as fuck banking.

HI Friends ,
Never choose this bank. I tried to refinance my vehicle, it was all good til i get prequalified but as soon as I got
transfered to one of the rep named Alana Graham (in San diego, balboa location) I was screwed, she keep on dragging me
for more than a week. I have to call her everytime but she wont pick up my call and she wont even respond. I email her but
she wont respond at all. Two times i called to some other rep and made me to transfer to her number then she responded
once in a while, I asked her did she got my email (this was may be after 6 – 7 hours later) she responded yes i did and
then no answer. I left her 5 – 10 emails but she just responded two and that too when I said I am moving to better bank.
WHAT THE HELL !!
If you have this type of representatitves like Alana Graham, they will not get any customers.
Thank You
Ur Friend

I have to agree with the other reviewers. Last week I closed all of my accounts after being a member for over 30 years. Service has gone down hill in small ways for several years but I was able to handle these things while they were conveniently located in Kearny Mesa.
The final straw for me was their ATTITUDE regarding a $ 5 fee they wanted to charge to cash a check I wrote to a former member who now lives in Texas. She drove all the way out to El Cajon to cash that check. When I came in to complain and cash the check, the teller was «confused» how to cash a check «for cash» and just ripped it up and debited my account. I told the manager that I would be closing my accounts (several thousand dollars) and wanted her to pass on the reasons to her superiors. She shrugged and said she didn’t set the fees and banks would charge more.
Bottom line was that they were willing to let a large amount of cash walk out for $ 5 and never even blinked. I had already set up new accounts at the County Credit Union (wow…what a difference!) and remarked that there was a reason that the Municipal CU was closing offices while the County was opening 2 more. The following week when I came in to remove the remaining money from the checking accounts, this same «manager» was sitting with the teller. She suddenly got up and began watering plants. Never a word about being a loyal customer for over 30 years, although the teller did.
Bye. I have a feeling that you will evenually close Chula Vista and El Cajon soon too.

Absolutely terrible out of hours service.
Despite carrying a several thousand dollar balance, the morons have blocked my card. I’ve called their helpline and… they are utterly clueless. They don’t have the slightest idea why the card is blocked.
Worse, much worse, no one on the phone can resolve the issue. The best they can do is forward it to Customer Service who’ll call back within 1 – 2 business days. It is Saturday night and I’m now left without access to money until «Monday or maybe Tuesday.»
I’m not going to be left without access to it any longer than first thing Monday morning as I’ll be in their branch, withdrawing all of my money, closing the account and going to a real bank that can actually provide service for more than regular hours.
I strongly urge anyone reading NOT to use San Diego Metropolitan Credit Union. They may be nice people, they may have good employees in their branches, they may have a lot of individuals that try hard for you. But when the company itself cuts costs to the point those helpful individuals can’t do anything to help customers with some unnecessary aspect that the credit union has screwed over, it’s all for nothing.
Do yourself a favor and use a real financial institution.

This credit union will give out your account balance to anyone who walks through the door.
I have an account here. My name is the only name on the account and no one else is authorized on my account, or has access to it. Or so I thought until SDMCU gave a deposit slip containing all of my account balances to someone who isn’t me. This person not only isn’t me, he isn’t even the same gender as me so it’s quite easy to tell that the female account name does not belong to the male person at the teller’s window.
The first time this happened I complained and the supervisor there apologized and assured me that they would change the account settings so that my deposit slips would no longer contain account balances. For some time after that the only information contained on my deposit slips was the dollar amount of the deposit being made, as opposed to the deposit and the subsequent account balance.
I never fully trusted them after that but I was willing to allow that we’re all human and we all make the occasional mistake, even egregious ones.
Fast forward to last week: I work long hours, sometimes 12 hour days, and found myself unable to get in to do a deposit. I could deposit it in an ATM but I don’t trust the ATM not to eat my check (as has happened in the past, although to be fair it was not the ATM at the credit union but another one located at a convenience store closer to me) so I had a male friend go to SDMCU and make the deposit for me.
For the second time SDMCU gave someone a print-​out containing all of my account balances.
This breech of trust and lack of security is absolutely unforgivable and I strongly recommend that if you’re looking for a credit union, you bypass this one and find one that will do it’s job and protect your financial information.