MCU Municipal Credit Union

Happy Member Provisional credit granted thanks MCU

I waited an hour to open a checking and savings account. I was rushed through the process by someone who barely looked at me, then she entered the wrong address. The teller noticed the mistake, as the lady setting up my account never showed me any paperwork, nor explained what I was signing for (electronic signature pad). I went back to her to request a correction and make sure that the correct address would be on my checks. She gave me an attitude when I asked to verify the information on the computer. I tried to set up an account online, but that was a nightmare. I should have taken that as a sign. I’m not sure how much I will use this bank after my experiences. I’m going to take it slow with this one and make sure I never have to go to a branch for anything. It was like waiting at the DMV. Horrible.

I choose to bank here because its convenient and I truly get more for my money. The ability to get better rates for loans, and credit cards. Free overdraft on checking accounts, and getting paid two days early is a plus. They are trying to improve the wait time, which would be the only gripe I have.

This is a problematic branch, but then I suppose most of them are. The real issue is with the customer service and the bad attitudes that persists. While the bad attitudes and overall service are better than 5-​plus years ago, it still remains lackluster. To be fair, this isn’t really from the regular tellers (though, sometimes its them too) it is from many of the other people, especially the ornery security guard (you know the dude) that has been there way too long. I believe the problem persists from this bank servicing municipal workers. Knowing that the people who make this huge city run are dependent on a bank like this (especially when it comes to getting your direct deposit 48 hours earlier than otherwise, great overdraft policies, etc.) perhaps the staff feels like you need them more than they need you? I cannot say for certain, but it often feels like this.
If this were two years ago I would have given this branch 2 stars, but they’ve improved. I still had a serious issue with them just a few months back — after 20+ minutes they never called my number until I, and others with #‘s before & after me complained — so this is being a bit generous. Also, they recently extended their hours to those in need, so no one could be too mad about that — not even me!

this banks sucks

Mcu great in the A. M

I have to admit that this MCU gets the job done!
I’m usually in and out in under 30mins… and time is money.
The bankers are knowledgeable and efficient, the cashiers know that you don’t have all day, and the location is very convenient.
Only problem is sometimes you don’t know if you need a ticket or have to talk to the front desk guy. By the time you find out, you’ve already wasted 5mins… get it together people.
Ladies, watch out for the dudes (who work there) in the suits. This one guy completely ignored me and a few other customers because he wanted to kick game to a female customer… even after she walked away. Do that on your own time bruh!
Anyway, don’t go during lunch or on Fridays…

You’ve seen their ads on every bus in New York. This is a credit union operated as a quasi-​state/​city agency; not-for-profit.exclusively for city employees and their families. On the surface all looks rosy. Cheerful advertisements.
But its got serious downsides. This place has customer service which would not pass muster in the real world. They’re open extremely limited hours; only til 4pm weekdays. And not even any live service reps whatsoever, during nights or weekends. Even in an emergency: nothing.
What’s worse is that their computer system sucks. Basic fixes for pin numbers, logins, password reminders, and password resets correct. You can be totally locked out of access from your money for 24 hours!
Face-​to-​face, the tellers and CSR’s ROCK. They are superb, in *person*. But what about when you can’t get to a branch and can’t afford to wait 45 mins to see one? Never go to an MCU Branch on a payday. Or a Monday following a payday. Unless you have a good book with you. It is maddeningly slow as every flunky in town comes in to ‘do they bidness’.
Third: they claim ‘more flexible options’ as far as loans go for their ‘members’. Don’t believe it. It would make sense if they did treat their members better, right? After all it is not a profit organization. And all the clients have solid job security.
But when it comes down to it, it is the same old story. No better options –in some ways, WORSE terms – than you would get from any normal bank.
If they’re not out to gouge you, why the stringent requirements? They don’t give you any more ‘breaks’ than any other private bank would.

Very efficient service. Works by automated number system, tellers as well as customer service. Makes for a good banking experience. Especially compared to traditional banking.