|Address:||301 E Baltimore St, Baltimore, MD 21202, USA|
|Working:||8:30AM–4:30PM 8:30AM–4:30PM 8:30AM–4:30PM 9AM–4:30PM 8:30AM–5:30PM Closed Closed|
Please do not use MECU for your banking needs. I should have walked out the door when I first tried opening an account and they tried to tell me I don’t live in the city of Baltimore, even though both the Maryland MVA and US Post Office say I do. They grudgingly allowed me the honor of opening an account since I also work in Baltimore. If you need quarters for one of the many local laundromats, don’t bother with MECU. According to their employees they don’t exchange money for non-customers, or will claim to not have any rolls of quarters. They also don’t exchange money for MECU customers, claiming to not have any rolls of quarters, or any quarters at all. According to MECU it is fine and acceptable for them to surreptitiously re-order your transactions on a secret transaction record in an effort to induce insufficient funds and negative balance fees against your account. When the real transaction history and your statement shows that there was no real overdraw or negative balance you will have to then repeatedly demand they reverse any fees that were fraudulently charged. MECU will insist the fees are valid, even though all the evidence says otherwise. MECU has what they claim is a secure messaging service on their website, which requires you to be logged into your MECU account to use. However the secure messaging department will refuse to communicate with you about your account over their secure messaging service. The secure messaging department will also refuse to answer why there is the service if they refuse to use it as it is intended or supposed to be used. If you are traveling outside your home state MECU will randomly decide any transaction is possible fraud and turn off your card, even if you inform them ahead of time you will be traveling. They also will make ZERO effort to contact you to verify you still have your card or if the transactions are valid. After you call in to get your card turned back on, and have another note put on file that you are traveling, you will soon find your card deactivated again. When you call in, again, MECU will then tell you that no one actually reads the account notes on file. After calling in multiple days to get your card reactivated, MECU will tell you that even though you tell them the charges that keep happening in the same area in the same businesses are valid, what MECU considers suspicious activity changes daily and completely overrides what the rules were for the previous day. Plan on having to call in and jump through security hoops with multiple departments to have your card turned back on daily if you travel anywhere outside your home state. The ATMs at their banks very often are completely non-functional, or have a major malfunction-not being able to dispense or accept any cash for instance, most often not working before and during long weekends. If you have a fraudulent or unauthorized charge on your account MECU will initially refuse to investigate or do anything about it, and then eventually will take all the necessary information to investigate and reverse the charge. Then instead of investigating and reversing the fraudulent or unauthorized charge, or anything else useful, they will just close your account, waiting until after they’ve closed it to notify you the account is closed, then ignore and refuse to acknowledge any communication attempts from you to them. If you are a fan of constant and blatant incompetence, abuse, and ineptitude from a bank or credit union MECU is the perfect place for you.
WORST BANK EVER. They have poor accounting, your car payments you are making often times will not credit to their system, and although your money left your other account to pay them and they did in fact receive it. It still vanishes into thin air, the payment is not applied to your car loan and then you get a late notice telling you to make another payment. Then they illegally repossess your vehicle without any notice and not only that, they apply bogus collateral protection insurance fees on it amounting in thousands to prevent you from paying off the vehicle so they can get more money out of you. Upon trying to reach a resolution with their supervisors and higher ups like Matt Scott the head of collections, he will yell at you over the phone, berate you and hang up. Most of the people there despite me being calm and respectful are incredibly rude and for no reason at all talk over you and interrupt you then hang up. It is like this bank is run by ghetto people with no education whatsoever. NEVER bank with them or get a loan from them. The moment your loan is nearly paid off they are going to assign bogus fees and try to get more money out of you.
A Private User
What a HORRIBLE banking experience. As someone who understands that the customer needs to be proactive and accountable I have been consistently frustrated with MECU since opening my account one month ago. The laundry list of mishaps and miscommunications includes sending my ATM card to the wrong address after I called to confirm and was told the correct address a week prior to the mix up, my name being mispelled on my checks, my PIN # not being sent to me, a MECU representative hanging up on me, and now my third deposit being held due to a miscommunication on their part. Honestly, I do understand that one needs to be repsonsible and proactive when it comes to personal finances but this is unreal. I am so appalled by the service and treatment that I am closing my account as soon as they give me access to my most recent deposits. If you want to do banking with MECU be prepared to invest a lot of time and energy during the initial months. Ask every question that comes to you and do not assume that things will be taken care of. Get names and phones numbers and good luck!
A Private User
Average alternatives; automatic service assume you know your position from the downtown Baltimore location. If you struggle with that; Remain polite.
Never ever had issue. Ive been member since 2008. I told my friends and co workers to bank with Mecu and they Are!
Easy online banking system and yearly member cash benefits! Sure beats the big-banks.
I have been a customer for about5 yrs. And they have given. Great service..
I been member since 1979, I love MECU your the best credit union ever...
I love you MECU! Member since 1990 w/60+ mom who is a recent member.
A Private User
Slow customer service on the phone !
Need better phone customer service
Great place to bank