Mountain America Credit Union Recensioni 

I love Mountain America because they are friendly and are eager to find a solution to whatever challenge I'm facing.

This is the worst credit union I have ever done business with.
They will charge you overdraft fees ANY time they can get away with it. When you call in, their support reps are unhelpful and even rude, talk over you, and I got so mad that I hung up on them. Even if you have deposited enough to cover everything in the same hour they WILL not refund a NSF fee, even when the Non Sufficent Funds is caused by a PENDING charge that they have not processed and will not be processed for 2 more days, they will charge you. Do yourself a favor and STAY away at ALL costs they will nickel and dime you to death with constant fees any time they can get away with it. I am closing my accounts with them as soon as I can. This is the last time I am putting up with their heartless bullshit and constant fees for anything and everything.

Don't waste time trying to set up an account if you can't physically go into a branch to do it. Their remote verification process is a MESS and will ultimately reject you even if you have great credit, valid driver's license + passport, and a significant chunk of money to deposit. They don't actually have the capacity to do what they offer.

I have been with mountain America for nearly 40 years. I have zero debt. My home is paid off and I make six figure salary, in a job that I've had for 6 years. Mountain America refused to finance a new vehicle for me. University of Utah credit Union would happily have financed this new vehicle and ultimately the dealership gave me a great deal. I was extremely disappointed in mountain America. I remain so.

On 12/05/24 the bank removed $1,188.97 dollars, without my permission to put towards a car deemed totaled when I have GAP Insurance. GAP insurance claim is filed on behalf by your financial institution. The bank was listed as the financial institution only to find out later a typo error on the Gap showing Wade Subaru as the institution. No funds for utilities or Christmas for 2024. I would not trust this bank as far as I could chuck my house. STAY AWAY THERE EVIL!

Customer service does not exist. I have not been able to contact them. I have been trying for over a month. Their phone calls are answered by a computer. On one occasion I got the computer to pass my call to talk to someone live. It never happened. I waited on the phone for three hours. I finally selected one for a call back. That never happened either.

Moving all our accounts to other backs or CU's. They have a lot of location (at least in Utah), but the , Online Banking, Phone Service, App and rates are all very poor.

I have been banking with MACU for 10+ years. I have done all of my banking online. Sometimes I need to speak with someone at the bank but I cannot reach anyone. A 30-60 minute wait is normal, after going through the BS trying to talk with their computer. My time is just as valuable as theirs. If they don’t have time for me, then I don’t have time for them. I am closing my 7 accounts on Monday morning.

I am SHOCKED by the low score of Mountain America Credit Union because it could not be farther from my experience. I've been a MACU member for almost a year and in that time they have helped me move away from my Big Bank, set up checking and savings accounts for my husband and I and our four boys, set up a HELOC and set up Youth CD's for our boys to start saving for life after parents. My local MACU has been amazing every time I've needed help and I've been in their branch WAY MORE than I ever did at my Big Bank, because they are so helpful and friendly. I cannot say enough great things about them and my experience! I had given up on financial institutions being customer friendly but MACU has renewed my faith! I hope you check them out!

I had a frustrating experience with this credit union that I believe potential customers should be aware of. On 9/18/24, I reached out to open several one-year CDs at the advertised 5.25% APY. During my initial call, a representative assured me that I didn't need to rush, as the rates wouldn’t change until the end of the month.

I followed this advice and spent considerable time opening the account, only to find out later that the rates had changed unexpectedly. After multiple calls and speaking to different representatives, including a loan officer, I was consistently told that the rate was secure for another two weeks. However, upon attempting to finalize my accounts, I discovered that the rates had been altered, and I was unable to open the CDs due to a system error.

The customer service I received was far from satisfactory. Despite the confusion, it became clear that there was a lack of training and communication within the organization. I was given incorrect information by several agents, which is alarming for a financial institution. While I spoke with a supervisor who acknowledged the issue, the final response I received was that they couldn’t honor the original rate due to regulations—something I find hard to believe.

It's disappointing to see a company unwilling to stand by their word or take responsibility for their mistakes. Excellent customer service should go beyond being friendly; it should involve doing the right thing, which this credit union failed to do.

I would not recommend this credit union based on my experience.

Macu was a great credit union when we started over a decade ago with them. since then they have continued to go downhill. my truck loan was never correct on the app, and if you talk to one department, you will get one answer and a completely separate answer from another department. they won't tell you the small details, like no you can't pay 5 months in advance, then charge you for paying 5 months ahead because they only credited you for 3 and will charge and charge and even threaten repo on your truck because you paid through Jan but they didn't put it that way, they only paid you through November but also never tell you anything. then I pulled it together after making the agreed upon payment in May because after my dad died I asked for a 3 month extension for Feb, March, April. made a payment in May and was about to make a June payment since I only owed 1500 on the truck when I asked for the extension and get told they are going to repo my truck!!! that I paid from 20k to 1500!! so I pay my truck off with my debit card because I was advised that would be the fastest so I didn't have to transfer money between banks and would release my title immediately and I could have it priority mailed to me. NOPE!! all wrong. that's what assist dept says, title depth says nope we are not releasing the title for 7-10 days and then you have to wait for 7-14 days after that to get your title. but that is not at all what assist managers said. and title dept is like too bad don't care you should have talked to us. funny, cuz you can't talk to the title dept until you have paid off the vehicle!!!! These guys are a joke!!! and they have quite often taken out auto debits before putting in the deposit that came in first just so they can charge you for each transaction and then put in your deposit!!! PIRATES!!!! GO ANYWHERE ELSE!! your money is safer with a drug addict on the corner than with Mountain America Credit Union!!! at least then you know where your money is going to go!!

My ex wife works for them and they refuse to secure my accounts. She has illegally accessed my accounts and stolen my information and comprised my accounts. They PROVED she used her employee credentials to access my accounts and still keep her employed. Unfortunately I can’t move all my accounts because I have open loans there.

We spoke with Chris regarding questions about a home mortgage. We are first time home buyers and aware that some of our questions may seem unnecessary and tedious, yet he was VERY impatient with us and got a short tempered and agitated tone quickly. It’s not a huge deal, but my wife and I do not feel like working with people like that when getting a loan and buying a house is already complicated enough.

The type of customer service they give in this branch is quite disappointing. (3028 S State Street).

This company makes their money on charging you overdrafts I've always had plenty of money in my account somehow I've got $375 in overdrafts alone this year they don't refund those bad business

MOUNTAIN AMERICA CREDIT UNION DOES NOT CARE ABOUT THEIR CUSTOMERS! Please read and share with people..Thank you

First, I have been a member with Mountain America Credit Union for 5+ years & in this time I have had three different car loans along with a current a $10k credit line with MACU. In this time frame, I have NEVER missed a payment nor have I ever been late on a payment. So a few months back I bought a $52,000 BMW & can you believe it MACU passed on me? So another Credit Union (America First) jumped at having my business and me as a customer. Not only did America First get my new BMW loan but they also gave me a credit card with a $15k credit line. So I paid off whatever balance I had with Mountain America. So at this point, I’m thinking okay I have no more business with Mountain America. So why am I so upset with Mountain America; here is why?

My credit score is 780….So over the past 3 months I think I have no more business with MACU yet I didn’t realize I had a monthly chiropractic membership ($49.99) that was still being charged to my MACU credit card. So I had no reason to think to look at my statement & I NEVER received a phone call or a text from MACU collection department or any of their representatives regarding any past due issues. Which should have been a concern to their collection department as to why a perfect 5+ year customer of theirs is now going delinquent over a simple $150? Keep that in mind $150!!

So I never got a call or text from their collection department but what does MACU do instead they sent a derogatory letter to the credit bureau at which time I get a text from my credit monitoring service that my credit scores just dropped 79 points!
79 POINTS!!! I’m like what? So I go and looked at my credit report and that is how I found out that MACU collections department filed a derogatory letter on me over $150!! WITHOUT EVER CALLING OR TEXTING me!!! A perfect 5+ year payment record with them and I mean perfect and I get NO Call/NO TEXT from them. I just lost 79 points over $150 that I didn’t even realize was being billed to MACU credit card. All of which a simple phone call or text from a MACU rep would have handled this matter.

So I then call MACU thinking this is going to get resolved. I speak to several people including manager who heard what had actually happened. The manager even agreed with me that prior to this matter I have never been late on any of my payments and EVEN more she could see that MACU collection department never reached out to me via phone either in their records on their system. She told me they emailed me a notice. We will get to the email in a moment. So I asked the manager why do they have my phone number on file if they don’t ever use it? Oh wait, get this; if I log into the MACU app I get a text INSTANTLY stating someone is logging into my account. But apparently my phone number doesn’t work the rest of the time with MACU or their collection department before sending derogatory letters to the credit agencies over a simple $150 error!!!

So back to the email that they said the sent. I don’t know about everyone else but I get 50-60 junk emails a day & if I miss a day or two of going through all them they just pile up. As I’m sure they do for a lot of people. So NO!! I never received the emails regardless if they sent them. However, a simple call or text from MACU regarding this issue would have handled everything!! Don’t all of you get your phone calls and texts? I know I do more so than an email.

So moving forward, after speaking with the manager she agreed she could understand my frustration of losing 79 points on my credit score over $150 without even FIRST receiving a courtesy phone call from MACU collection department or any representative. Also, she told me that someone would contact me regarding this matter. Well NO ONE DID! Shocking right! Instead MACU just sent me a letter stating the matter is closed and it’s staying the way it is! So if any of you believe Mountain America Credit Union values your business or appreciates you as a customer THEY DON’T!
MOUNTAIN AMERICA CREDIT UNION DOES NOT CARE ABOUT YOU AT ALL!!!

So far, someone has cashed my payroll check after forging my signature and they do nothing about it!!! They have now taken so much h of my money I can't trust direct deposit and will never use a bank ever again

Very nice people, but highly incompetent. Managed to overcharge me interest on a loan that was started almost 3 months ago. I spotted the mistake (not sure why the bank auditors didn't) and once I contacted them they stated that they would follow up and fix. The interest credited back was not from the day they first dropped the ball, but from their "closing date" which was several weeks after their first botched closing. Difference is less than $60---but it's the principal. They spend more than that to obtain a customer and my payments to them have been on time and the bank has been profitable.
Avoid at all costs.

The worst credit union I ever dealt with- we got the loan right away through the dealer. Its the customer Rep. we have the issues with and how it’s handled. In a process of moving our loan to another credit union. VERY DISAPPOINTED!

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.