TCU, Mishawaka, IN

I like TCU as a bank overall but the wait times in the lobbies are horrible especially at the McKinley Mishawaka location. Several times I've waited way longer than you should have to wait for simple transactions.

I love TCU as a whole but I’ve had a few negative experiences at this branch. Today my mother, boyfriend, and I went in to get him added to our account and then open up a separate savings account with just my mother and I on it. We got inside and waited for a teller so we could ask to sit down with a banker. When approaching the teller she wasn’t exactly the friendliest, she acted if we were interrupting her. Which I understand people can have bad days I’ve worked in customer service it just threw me off a bit. It Made me feel bad for being there. She put us in the system and said we could go sit down and wait for a banker. We waited and then someone came out and said “next customer please” which I thought was odd usually they’d say the name of the next person they were going to assist. So the other person who was waiting exchanged looks with us since we did not know who was supposed to go next. He says we could go so we got up and headed inside of the office. The banker did not introduce herself and overall had a very “I don’t want to be assisting you” vibe. She mad no attempt at small talk so it was a quiet and uncomfortable experience. Midway through getting my boyfriend added to the account she calls another customer and begins talking to him. She finishes the phone call with that customer and a few moments later she slams her mouse on the desk. It startled me and kinda scared me. I talked to my mom and said that we could just finish setting up the savings account tomorrow so we didn’t take up more of her time. I also just wanted to talk with someone about which account would be best for us and other banking related issues. I felt like she would not have given us the time or attention to do so. I felt like our needs were not important. My mom and I decided that we will just go to a different branch and hope for a better experience with someone who doesn’t take phone calls mid appointment and doesn’t dismiss our banking needs.

TCU is very good for banking although I wish they wouldn't dilly- dally with customers be pleasant and move on, especially in the drive through, if somebody just sits there when their done ask them to move foreward.

TCU has some very sneaky practices. I had an auto loan and in order to get that you need a savings account started. Trying to shorten a long story :P The savings account is started by the dealer on the buyers behalf in order to get the loan. TCU sends out monthly statements but the $5 seemed more like a placeholder than money I put in because that was not part of my loan agreement. So the day I paid off my loan I asked them to close out my accounts so they would have seen EVERYTHING I had. Of course, I remember asking about the $5 and they said there was nothing in my account and it was closed. Going forward about a year and a half I receive a statement that deducts $5 from my account due to inactivity. Of course, I call to find out where the $5 came from and if I'm going to be charged again AND why the heck has it been sitting in that account - NOW unavailable to me. TCU explains to me that I should have been more aware and should have advised the teller to also close out that account. Then the rep tells me the money was put in there by the dealer - implying it wasn't even really mine. What a greedy statement - it was obviously put there on my behalf. The end result - - although a measly $5, TCU expressed there was nothing they could do and they would not be refunding me MY money. I'm glad I'm not a member and a word of advice for business practices, be more transparent and treat your members better. My vote - stay away from this poor establishment.

Do not get a loan from these people. They delight it making it difficult to make your payments. They'll give you a little booklet and suggest things like the drive thru for convenience, instead of allowing you to set up auto-pay online like we're actually living in the year 2020! We can't have flying cars, but is auto-pay really asking so much? You also can't set it up in a branch with your debit card! You need to have the check book (!) or know your account number off hand. Then there's the collections department. I pay late a lot, because I forget that I still have one bill I have to pay as if it were 1998. I got a call today from Amy in collections. She needed to talk to me urgently, but didn't call from the number I needed to call her back at and had a 4 digit extension I needed to jot down just to get back with her. But in the couple hours between the ONLY communication I'd had about my late payment and my going to the bank to pay it, she called MY MOTHER IN LAW. Who was then very concerned that we didn't have any money. Really TCU? You wanna go? Let's go. No amount of community event sponsorships can save your reputation if this is the haphazard way you're going to take payments and go about notifying people they're late. I HAVE the money. I want to GIVE you the money. ON TIME even. But you just can't let that happen! No other financial institution is this absurd. None. Not Mutual Bank, not AAA, I bet even Interra has online bill pay that you can set to auto pay online!

The app does not show balance and they have been aware for years. Games and toys a plenty but no professional banking in app.

Doesn't care about any customer at all. Never answers their phones I called 4 times one day just to call once more from the parking lot and get sent to voice-mail again went inside to see them throwing paper airplanes at eachother. Extremely unprofessional

Took a couple of times coming to the store to get an issue resolved, but every time the teller Matt was super helpful, while everyone else pretty much dropped the ball.