Columbia Credit Union, Columbia, MO

Closed my account after 15 years. The current branch manager Jen would not waive the $5.00 fee. Even after weeks of debit cards not working en masse and overdraft fees being charged. Since it was their VISA cardholder vendor’s problem and not theirs; I still owed them $5.00 as they refused to take any responsibility. I assume I am at fault since I’m dumb enough to still choose to bank with them despite red flags . Deposits into wrong accounts, but she still asked why I’m closing my account. I instead withdrew it all in cash which she also did not think would be a good option. Lastly, Jen did not even tell me she was the branch manager or that she was sorry for all the hassle (ever) until I asked who the branch manager is nowadays (thinking they may actually provide me with some relief by just sending me on my way after 15 years). Wrong again. Since this is the only bank I have ever belonged to my entire life (27). I thought maybe just maybe they would be able to help me. This is all after Jen commented how old my account was. This is the most unhelpful service I have ever seen ESPECIALLY as someone who also works in banking. I never thought I’d have to leave my hometown credit union. she couldn’t even pretend to know why someone would want a functioning debit card, or have the correct account debited or credited. Columbia Credit Union is a complete joke now.

The team at the Columbia Credit Union is really awesome! I just got a new car loan and refinancing on my current vehicle. They worked hard to lower my interest rates, getting me a lower monthly payment. I would highly recommend giving them a call and seeing what Amy in the loan department can do for you. The whole team is great, espeically Geoff, who is always at the window when I come in to the lobby or at the drive through, and is so helpful. Thank you for all that you do!

Just got a car loan. Amy was knowledgeable & thorough! Her service was very efficient and with a heap of kindness. We set up our checking account here too because of the personal atmosphere and friendliness!! I love this credit Union!

I left a big national bank several years ago, joined the CCU and couldn't be happier. I've used several services (checking, savings, car loan, unsecured loan) and I've found CCU to be much friendlier, more helpful and more efficient than other banks. Their loan rates have been better than what I found elsewhere. I really appreciate that they know who I am every time I go in, even though that's not super often. If you are looking to change financial institutions, or if you're with a big bank, I highly recommend using Columbia Credit Union!

I’ve been a member of the credit union for over a decade and always had amazing customer service. The staff and management team are very attentive and always looking for the best products and services to offer members. The rates are always lower than traditional banks and they work so hard to make sure that you have access to the services you need. Couldn’t recommend a better credit union!

I have been using this bank for 18 years and I have never had a good experience. The last straw for me was 2 days ago when I made a mobile deposit for a large check from my insurance company due to losing my home in a house fire. These funds are to pay a mitigation company and to buy a new home. Initially after the deposit my account showed overdrawn when I had plenty of funds in the account. The rep that I spoke to had to refresh my account and told me that the bank did not have sufficient funds to clear the check then told me that I would get the funds over the course of 7 days. The rep then questioned me about the funds and wanted to know “what was going on”, he asked me very personal questions that were none of his business and then asked me how long I planned to keep the funds. He said they aren’t used to seeing that much money. The check is from An insurance company obviously it’s for a claim. A day later I still did not have any funds. When I called I spoke to another rep who informed me that they had plenty of funds for the check but that I would be getting the funds after the check went through a holding period. I told him that I had to have the funds because I had a bill due for 19k to a fire mitigation company. He then started to give me the go around and said that I needed to be placed on hold. He came back and said I would only have 5k from my check over a week later after he lied and told me I would have the funds after my waiting period. I told him I needed the funds immediately. He then belittled me and did math from my own account and told me to just use my savings account which is my life savings and my checking account to cover the bill. He could not seem to grasp that his basic math skills gave me no assistance because he was not taking in account the interest I would lose on my savings account, my basic living expenses and house payment that I am still required to make. I also explained to him that I could not trust them that I could get my money back over the increments because he didn’t even know. I told him I wanted to go with a different bank and just do my large deposits elsewhere and he lied to me and told me that no other bank would accept my large deposits especially since “they didn’t know me”. I called 3 banks and was told that they would not hold checks longer than 1 business day. I reached out to the bank again to cancel my account and wrote an email explaining my situation after speaking to 2 different reps and never heard back. If the bank knew they could not disburse my funds they needed to reject the mobile check deposit and inform me of the reason why instead of lying to me repeatedly and talking down to me when I asked questions. Over the course of last several years I have found representatives to be dishonest and very rude. They have informed me that they were placing travel holds on my account and then never did causing me to be without money overseas. They have not issued refunds for when my account was hacked due to an issue they had with their software. When they switched to mobile banking I went in person to get assistance and the woman working yelled at me in the lobby when she was the one who had my account information wrong. When I used them for a car loan the loan officer ate her lunch and burped throughout the entire meeting with her. And now because of their error I will lose the home that I put an offer on and have a payment lapse with a fire mitigation company when I should have had my funds within 24 hours. I have never been so disgusted with a company, 18 years of seeing a lot of mess and not complaining once but this one takes the cake. They need to take ownership of their negligence, adequately train their employees, and learn banking laws so that when their employees try to quote them they are factual.

I used to love banking here but in the last few years the customer service at this location has dwindled and is now lacking. They have even gotten to a point to where they are telling me where and how much money I can spend at a location. They have practically ended their members using cash app by limiting the amount of money you can use in a 24 hour period to just $100. Businesses take cash app now for payment. Even Square is using cash app in its interface but this bank won't allow anyone to spend more then $100 in 24 hours. Not business day 24 hour period. They say is to prevent fraud but they are still telling me what I can and can't do with my money which is none of their business! Also when I said this is a reason I have basically stopped using my account the guy on the phone said I was more then welcome to cancel my account if I didn't like it. I have been with this bank since 2010 had loans and paid them off and this was his first response to my statement. Yeah I will be taking him up on that offer. This all happened on February 10, 2023. Replying to the bank: this was the first time I mentioned not using my account much anymore because of the rules that the bank has decided to enforce in the last year or so. This was the 2nd time I have had any questions as to how the bank allowes its members to use cash app. I may have not been a happy customer at the time but it was your employees reply to suggest I close my account. Just a reminder that my account doesn't mean much to your establishment.

Closed my account after 15 years. The current branch manager Jen would not waive the $5.00 fee. Even after weeks of debit cards not working en masse and overdraft fees being charged. Since it was their VISA cardholder vendor’s problem and not theirs; I still owed them $5.00 as they refused to take any responsibility. I assume I am at fault since I’m dumb enough to still choose to bank with them despite red flags . Deposits into wrong accounts, but she still asked why I’m closing my account. I instead withdrew it all in cash which she also did not think would be a good option. Lastly, Jen did not even tell me she was the branch manager or that she was sorry for all the hassle (ever) until I asked who the branch manager is nowadays (thinking they may actually provide me with some relief by just sending me on my way after 15 years). Wrong again. Since this is the only bank I have ever belonged to my entire life (27). I thought maybe just maybe they would be able to help me. This is all after Jen commented how old my account was. This is the most unhelpful service I have ever seen ESPECIALLY as someone who also works in banking. I never thought I’d have to leave my hometown credit union. she couldn’t even pretend to know why someone would want a functioning debit card, or have the correct account debited or credited. Columbia Credit Union is a complete joke now.