Adam Burns

Hands down the worst banking experience I have ever had. 1. It took me 3 days to get someone on the phone because either no answers the phone or the automated directory goes nowhere. I never actually got anyone on the phone, they called me after I sent an angry email. The person assured me the phone was fixed. An hour later, I tried to reach them again and couldn't get anyone. 2. You can create an account online, but then they notify you by mail of the result. There's no way to check the status because no one answers the phone. It took me several weeks to learn I even successfully created an account. 3. I was going through all of this to get a car loan. They require you to have an account to get a loan, which is pretty standard, but then you can't get anyone on the phone and they won't process your loan until you've gotten the the dealer to send them a finalized statements of the total expense, including tax and registration fees because that's realistic. They won't pre-approve you and they wont accept listing info from you. You have to get the dealer to send over the complete package. I gave up on the whole thing or so I thought. 4.) Several weeks went by, and I randomly receive a welcome packet. This is the first time I learn that I actually created an account during all of this mess. I started the account with the minimum amount required $25 because the whole reason for this account was to get a car loan. Two days after I got the welcome packet, I received my first statement, saying I now have $9 left in the account. Paid $10 new account fee, $6 check deposit fee, even though i have never deposited a check, cashed a check, blinked at a check, or whispered aloud the word "check". 5. All of this happens, and I ended up not even going with cmecu because I found a lower rate with the dealership, and I didn't want to miss out on a second car waiting to get approved.