Mountain America Credit UnionReviews of macu.com

I repeatedly have terrible luck paying bills with macu. I will schedule payments, get a confirmation#, only to find out the payment didn't go through. How is that possible? I make an electronic payment and get the confirmation# which means the payment is done right? Wrong. They don't put the payments though until the funds are no longer available to use. Giving you a confirmation is apparently no real garentee, or contact, if you will. Even though it is literally is supposed to be a contractual garentee. How does that work? I spoke with someone who returned my call and her answer was that even though i had the money, it takes up to 10 days for an electronic transaction to go through. B S!! It's instananious just like it is all over the world. If this were the only shady thing I've dealt with at this bank, I'd be 10 times happier. Unfortunately this is not the only legit problem I've had with them. How do they get away with this? Hmmm? It's too bad utah law is consistently laid out to protect banks, employers and other wealthy donors to the law makers personal pockets. That's the simple truth. You'd think such self proclaimed "family" oriented people would take care of the families. Sadly they do not. Anyone who lives here for long knows that whether they admit it or not.

Worst experience ever for a small HELOC. Follow up was terrible and promises made several times not kept. I am doing business elsewhere now and the process and professionalism is unmatched. I wasted almost 3 months waiting on requests or responses from a rep named Kyle Costa. He should have just said they don’t want my business. I have 7 figures and own 2 homes 1 outright. Someone with a w2 living payday to payday is less risky than me? And our credit is excellent. Don’t go here for banking service you will regret it.

Never get a loan from this credit union. Its not worth the hassle. The website MACU provides is a complete joke in 2022. Linked accounts don't work half of the time, the navigation is absurd, and for whatever reason they require me to provide all of my transaction history for any external account I link. They also seem to enjoy calling me for no reason. This has happened twice now, where an agent calls me to ask me a question about the account, and then I call back and no one has any idea what is going on. Either I'm being phished or organizational incompetence, and I strongly suspect the latter.

Garbage company don't bother. Mobile check deposit had an error and never put money in my account after 3 days of trying to call and being on hold for 30 Plus min. each time, I had to go in person and finally get my money that I needed 3 days ago. Longest hold for customer service I have ever had with a credit union, garbage glitches and problems all the time. No thanks there are much better credit unions out there that don't waste my time. Don't waste your time finding out how poorly they are run. Also went to a location 3 weeks ago on a Tuesday about 1pm and they were closed, no one was there, no signs said they were closed, but doors locked and no one at drive thru.

Really quick bullet points to summarize: - They have friendly employees, awful policies - Not willing to work with you when things go wrong - Will tell you one thing and do something different - Most unprofessional collections team EVER - Don't care how long you've been with them - Go somewhere else I'll try and keep this story brief and too the point but there is a lot of emotion behind it so it'll probably be a book anyway. They were nice enough to use, always a pleasant experience in the branch or online chat, their base level employees are great. Anything beyond that and they are one of the worst financial institutions I've dealt with. Their overdraft fees are insane, most places give you the opportunity to bring your account current before smacking you with a $35 fee, MACU will do it for a few cents with no chance to fix it. I was scammed years ago, the best they would do for me (after telling me the fake check was cleared and the money was good only to come back and say nevermind we need all that back) was give me a workout loan which had an insane interest rate. It took me years to pay that off and wouldn't allow me to even consider other lending options until it was paid off. Don't know why I stayed after that but I did. By the time Covid hit I'd been with them 11 years. Had my salary cut back drastically in August right after buying a house, pulled out a loan with them to restructure my debt, it was actually a decent deal, the loan officer was very helpful and got me a good deal. Also helped me get a loan with my motorcycle as collateral, something I greatly regret doing. I was laid off the following December and immediately fell behind on basically everything. I tried to keep up with the payments, ended up falling behind. They were quick to get collections involved and not so quick to offer help despite saying they would. I ended up being able to get some payments made so I was only a couple months behind, they offered their standard covid assistance program which delays payments for 90 days, I figured great, I have three months to get things worked out. Well no that 90 days started from when my last payment was made so it bought me literally 6 days. SO HELPFUL THANKS GUYS. Soon after they closed my line of credit with no warning despite having been making payments on it. I called and spoke with some account manager who worked out a deal with me to reopen the line, and give me some time to work out payments on everything else. Well her team doesn't talk to the collections team, they even said so themselves, so nothing I was told happened because the collections department just bulldozed through and screwed everything up. A couple weeks after the line of credit being restored they closed it again, incurred a massive amount of fees they refused to refund. From February through April I was charged well over 1k in fees they refused to do much about. I called and spoke with their collections team many times, frustrated to the point I could hardly do more than shout in frustration to which point they actually laughed at me more than once. When trying to explain the deal I had agreed on with the other department they would tell me that's not their department they don't care, laugh some more and then continue to harass me with phone calls emails and letters. Now my they have been up my butt for reposessing my motorcycle. The thing has sat at my house and they stopped by once, to which I said you can't have it, why make it easy on them. I had also been saving my money to get my accounts current because they have a stupid policy that if you are in repo you have to bring all your accounts current before they'll drop the repo case, not just collateral loan. When I argued how unfair that was they just said "it's in the agreement you signed", ya maybe it was, doesn't mean it's fair just makes you a dick for hiding it and never mentioning it. So since I had lost all trust in anything they do I stopped making payments until I would have enough to bring things current. I'm not about to make payments for months just to have them come pick up the bike and lose all the money and the bike. They then filed a claim with their insurance saying I was trying to defraud them. I spoke with their agent, who was very cooperative, did what he could to buy me some time saying they were incredibly lazy and unprofessional, also advised I continue my plan to not make payments until I can do so in full because he wouldn't trust them in the situation either. After being unemployed for 8 months, I finally get a job and tried to talk to them to work something out. They wouldn't give me one inch, not even the slightest sign they gave a crap despite it being my only vehicle. So don't use them, they don't care, not even a little, they won't work with you just screw you over.

Horrible Customer Service. When you call to get help the people answering the phones never know anything more than the automated system. They place you on hold for every question so they can call someone else for help. I have been waiting to deposit a check for 3 days. I am going back to BOA. I'm glad I never closed my accounts with them.

Absolutely atrocious customer service. They're all amateurs. I've never had such a terrible experience at a credit union. And it's consistently bad. Been here for a couple years now.

I’ve had my account hacked with money stolen from me four times since I opened with them 3 years ago in Utah. Twice within a few months. There is no protection. No fraud service department. No call or text asking I was making purchases in two different states at once. And this last time they called me repeatedly and tried to blame it all on me! I was confronted with suspicion rather than care and concern. It was an awful experience. If you’re moving to Utah, or anywhere else with this credit union, choose a different one.