San Diego County Credit UnionReviews of sdccu.com

I moved out of town and called to get a new debit card when mine expired and I hadn’t received one. They refused to send me one for another two weeks because I had just changed my address online a week or two ago. When I asked to close the account, they were willing to immediately send me all the money in my account via cashier’s check but refused to close the account for another two weeks because of the online address change. In what world does that make any kind of sense??

I want to share my experience with San Diego County Credit Union (SDCCU) in the hopes of helping others avoid what happened to me. In July 2025, I went in person to a local SDCCU branch and submitted a pay-for-delete agreement to settle an old charged-off account. The agreement was acknowledged, stamped, and accepted. I paid the full amount via money order, and I was told that after five business days, I could return to open a checking account. When I returned in August, I was denied a checking account, even though the agreement had been fulfilled. I was only allowed to open a savings account — and to make it worse, they ran a credit inquiry without telling me. The reason for the denial? The same negative account they agreed to delete was still showing on my credit report. Even after multiple attempts to follow up, SDCCU has failed to honor the agreement. My credit continues to be affected, and no formal explanation has been provided. I originally shared this story on Reddit, hoping to warn others. It was respectful, detailed, and honest — and it was removed without warning or explanation. I can’t help but wonder if institutions like SDCCU have the power to suppress criticism on platforms where people go to speak the truth. There is no transparency, no accountability, and no justice here — just silence. This is not just about money — it’s about trust, dignity, and fair treatment. If you’re considering banking with SDCCU, please think twice.

SDCCU is the worst bank. Customer service has always been horrible. When it comes to resolving issues this bank is terrible!!!!! Bank somewhere else!

We have banked with them for years and now we came to Europe and they cannot help at all with anything they are horrible we cannot make a transfer or anything. We specifically asked them before we left if we could do everything online and they told us yes you can. Now that we are here they will not let us transfer unless you go in the bank. HORRIBLE

These people are complete idiots! I sent them a legal court document to change my name, and I was told it was being mailed back to me. After a few weeks, I called because I had not received it, and I was told that they destroyed my legal court document. To top it off, the guy on the phone was incredibly rude, and acted like I was an idiot - because of course they destroy court documents. Goodbye to these people!

Worst bank I’ve ever had, at 48 years old. SDCCU is awash in horrible policies that make banking difficult and stressful. It is obvious that the customer does not mater at all here, and I would avoid SDCCU at all costs.

Please share on social media. If you want to understand why the reviews at SDCCU are so bad, Google, then watch (for free) "Unions of Discredit," the 2.5-hour documentary about SDCCU that reveals what they tried to prevent the public from knowing.

There are much better options. I used to love this bank I've used them 13 years. but sadly they are now antiquated as far as service. I've been waiting over 2 weeks to be mailed a new ATM card and I live in the same city as this bank. They say they have mobile deposit but that is just false .. please read the terrible reviews for their banking app that doesn't actually work. Zero after hours service no temporary block feature or temporary online shopping feature.The ATM machines and web services go down too many instances.. typically over a weekend.You may live near a branch but seriously drive a little further for a bank that can take care of your modern needs and that also won't make a hard hit to your credit to join.