Credit Union Question

The one near me won't.
John1

Credit Unions seem to be the worst and rudest I have encountered.

I went to a few last fall on a Saturday when my bank forgot to order my boxes. The first words they asked were are "Do you have an account here?"

I went to a local credit union last Friday where I had stopped at 3 times in the last 2 months and had gotten boxes of halves from to get another box. I had a loan with them 10 years ago and my parents have an account there. I had cash, asked for a box of halves, showed them the account ID card, and the teller said hold on. He asked for the account card, asked for my ID, and then had someone else come over. They refused me service and tried to get me to open an account.

I explained that my parent had an account, I am not trying to scam anything or withdraw any money from an account or trying to cash a suspicious check, and they gave me the run around.

I will be calling their headquarters on Monday and even told the woman who "was in charge" who came over and gave me the runaround and tried to get me to open an account that I have 4 accounts at other banks and would never open an account at a bank like theirs that treats their customers like they treated me.

I have gone to banks that I did not have an account at and they said if you do not have an account all I can give you is $100 in halves and I am content with that.

As a matter of fact another week where my bank forgot to order my halves and I was out doctor shopping on a Saturday I hit up M & I now BMO the teller told me I can give you $100 unless you have an account. The next weekend I went back an opened an account.

You catch more bees with honey or however that saying goes.

Credit Unions are the WORST when it comes to coin roll hunting. Our credit union always tells me they have no coin on hand to sell which I find real hard to believe. One time I did get lucky though - the teller said she had about 10 rolls of pennies and that was it. I bought them and they were all mint state 2009-P rolls!! That's the only good experience I've had at a credit union by the way.

I'm honestly surprised by the negative reads of CU attitudes-practices-etc above. My local CU is the best. They bend over backwards to accomodate
customers all the time and the local commercial banks don't even hold a candle to them.

@ffd--Though I deal with a genuinely great CU, nothing like your story ever happened to me there. I'm still waiting for that train to pull into the station...

Edit---I need to work on my terminology. I should have said "members" above when I referred to my CU accomodating "customers."

The fact that CU's are designed to serve member needs is one of the reasons that makes being a CU member a good idea. Serving the needs of CU non-members
should appropriately have zero priority.

As regards providing boxes of circulating coin on request, the commercial banks in my area are no more or less hospitable than my CU. They'll all happily hand out
recently-received CWRs, but it's different with boxes. The CU will be responsive to members only and the commercial banks will be responsive to account-holders
only. They're actually pretty similar in that regard. Since the CU is there to serve member needs and the commercial bank is there to make a profit by serving
account-holder needs, I don't have any arguments to pick with either of them.

I agree. I am a member at two credit unions. Credit Unions are generally non-profit, so they can pass better rates on to members. I am an account holder at several banks for one reason only, to serve my roll hunting needs. The Credit Unions get my savings and loan accounts.

My credit union were kind of jerks about it. They let me get two boxes of halves but after that, they said they had to charge me 5 bucks a box (they had a pretty big attitude when they told me). Another thing that was interesting was that both of the boxes had many rolls in them that either had too many coins or not enough (pretty easy to count with halves). It was hardly believable how poorly packaged they were. They also looked like they were picked through pretty well. No silver, no NIFC's, not even a clean or shiny one.

The strange thing was that the packaging (boxes and rolls) look exactly like the ones I get from my bank. However, the quality of what was inside was not the same.