University of Michigan Credit Union S State St, Ann Arbor

University of Michigan Credit Union Reviews

• A

  Akshay Verma
  2

  I really wanted to like UMCU because it is a credit union. I have had a personal account since 2009 and a business account since 2018. They are absolutely terrible for business owners. A large swath of their staff is not educated in tax wires or paycheck issues. The same swath never bend over backwards to help you or to ask a supervisor who could help them learn more. There are a few excellent representatives and managers, which is why I am giving them two stars. Chase, Flagstar, Chime, and Quickbooks all have better support for business and personal use (Chime being for personal and others for business).

• M

  Matt M
  1

  Not only do you have to wait on the phone for over a half hour every time you call, but the ATM at this location is often down with no sign or warning until you get through the entire process. UMCU used to be a great credit union. In the last several months it's gone down a steep cliff. I'd avoid this credit union and find a different one.

  Response from the owner

  Hello Matt. We sincerely apologize for the experience you’ve described, and would like to have a manager reach out to discuss this further and help answer any questions you may have. If you’re open to that, please email the phone number at which you preferred to be reached to [email protected] with the subject line “Google Review.” Thank you.

• S

  Sonny's Mom
  1

  At one time this was a great credit union. Recent "improvements" make it worse and worse. The straw breaking the camel's back is there is no longer after-hours deposit capabilities. THE TOUCH SCREENS DO NOT WORK. MOST OF THE TIME I HAVE TO GIVE UP AND DRIVE AWAY. I TRIED ONCE MORE TODAY AND IT COMPLAINED I WASNT RESPONDING AND KEPT MY CARD AND THE CHECK I WAS TRYING TO DEPOSIT, WITHOUT MAKING THE DEPOSIT BECAUSE APPARENTLY I WAS A SECURITY RISK BY NOT ENTERING REPLIES ON THE TOUCH SCREEN. WELL, IT IT WORKED I WOULD HAVE. The old system was better. If the ATM was not working it would display a sign. Now it appears to be functional but the touchscreens are useless. Another great innovation. Goodbye UMCU

  Response from the owner

  Hello. We sincerely apologize for the experience you’ve described and would like to have a manager reach out to discuss this further and assist with any questions you may have. If you’re open to that, please email [email protected] with the phone number at which you prefer to be reached and the subject line “Google Review.” Thank you.

• G

  Gene A
  2

  Slowest Drive thru service I know. 2x had to wait over 20 min before 10 am. at the State Street Branch. 7-8 employee cars in rear, no customer cars out front. 1 person working 2 lanes. 1 lane closed, 6-7 cars backed up. Today I was the 3rd person to leave after 1 moved 1 spot in 25 min. 5 cars still waiting. Why they can't add 1 person and open up the third lane when they clearly have staff in the building to do so is beyond me. You think they'd get better at this.

  Response from the owner

  Hello Gene. We sincerely apologize for the extended wait-time in the drive-thru. We are offering in-branch and drive-thru pick-up appointments at some of our branches that allow you to schedule a time to visit the branch and skip the line. You can schedule an appointment here: https://secure2.umcu.org/appointment/UMCU/memberAppointment.aspx We will continue to monitor the current situation and evaluate the safety guidelines in place at our branches on a regular basis to ensure the protection and well-being of our members and team members.

• A

  Adam Burak
  1

  Avoid like the plague if you want to do something besides online banking or if you have other options. Scheduling an appointment several days in advance is required to visit a branch in person, and they may not have appointments at branches near you. The drive through typically takes over an hour and calling customer service takes 15-30 minutes to get in touch with someone. They do shared ATMs but no shared branching. The ATMs frequently refuse deposits in cash. I understand that the covid makes things difficult. However, one would think after a year things would improve, and if anything they've gotten worse. I have been a member of four CUs and two banks. UMCU is by far the worst, and that includes Zions bank who was sued for stealing from their members. At least there you could access your account, though it may be a little smaller than you anticipated.

  Response from the owner

  Hello Adam. We sincerely apologize for the experience you’ve described and would like to have a manager reach out to you directly to discuss this further and help answer any questions you may have. If you’re open to that, please email [email protected] with the subject line “Google Review” with the phone number at which we can best reach you. Thank you.

• A

  Amanda Bates, LLMSW
  1

  The bank started a new online system, which requires all members to enroll in. It requires an account number, but I do not know mine. I have tried calling multiple times today, and the line is either busy, or says “the line was not picked up”. This is ridiculous. There was not even an option to leave a voice message. So basically, I have zero access to my banking account right now. And going in person will take hours due to the slow pace of the employees.

• M

  Mitchell Hughes
  1

  I CANT ACCESS MY MONEY AND THEY KEEP HANGING UP ON THE SUPPORT PHONE NUMBER WITH 40 PEOPLE WAITING! This is actually a huge problem, people cannot access their money or use their debit cards right now. I can't even pay my bills and I've got more than enough money in the bank! This is why people don't trust banks.

  Response from the owner

  Hello Mitchell. We sincerely apologize for the experience you’ve described, and would like to have a manager reach out directly to discuss this further and assist with any questions you may have. If you’re open to that, please email [email protected] with the subject line, “Google Review” with the phone number at which we can best reach you. Thank you.

• R

  Rebecca Brainard
  1

  I live out of state, so visiting in person is not an option for me. I have been trying to pay a bill for a week now. Calling 10 times a day (no one EVER answers, no voicemail, nothing), left emails, the online bill pay doesn't 'support' my loan. What a joke.

  Response from the owner

  Hello Rebecca. We sincerely apologize for the experience you’ve described and would like to have a manager reach out directly to discuss this further and assist with any questions you may have. If you’re open to that, please email [email protected] with the subject line “Google Review” and with the phone number at which we can best reach you. Thank you.

• J

  Jonathan Frontier
  1

  Awful. I have an auto loan with this bank. They offered me the opportunity to skip a payment for a $30 fee. I payed the fee and they took the money out of my account anyway, overdrawing my account. I had to leave work to visit the branch on Friday because the guy on the phone said they couldn't get the money back to my account until Monday. They ended up giving me the cash which I then had to drive to my bank and deposit whole paying a $35 overdraft fee. Then 2 days later they withdrew the payment AGAIN overdrawing my account AGAIN. Awful. Now its Sunday and I can't do anything about it because they are closed. I also can't use my debit card because it's overdrawn. You guys are the worst. Ill see you tomorrow when I have to leave work AGAIN.

• S

  Sarah Brabbs
  5

  I have a couple loans with them and beyond that I have spent some time doing other business too (training) with leadership there. They have been great to work with and they had the lowest rates in the area for our two loans. Everyone has also always been super helpful and friendly, which matters!