Pacific Marine Credit Union

★★★☆☆
  • 550 Hacienda Dr # 102

    Vista, CA 92081

    Map & Directions
  • 760-758-1015

About Pacific Marine Credit Union

Categories

Finance

Finance
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Branch in San Marcos. Guantanamo Detention Finance. To make a DEPOSIT in branch. (Several times in 2009, not an isolated malfunction.) Must remove cap or hat. Must remove sunglasses. Wait 10 minutes or longer for teller when there are no other customers. Sit, DO NOT STAND for this time. Present preprinted deposit slip with all information finally. Must then Aloud and distinctly demonstrate ability to read as follows. Repeat name. Repeat address. Repeat telephone number. Must say that none of these have changed. Must give passcode for account, a separate number from that of the account. Teller compares all verbal statements with deposit slip and computer and driver license. THEN spends the 1/2 minute a Bank teller takes (for all parts of transaction) to make the deposit. Am a banking professional and know in my sleep that anyone can make a deposit to any account of any person with its number, anywhere else in America. Should not have to remove eye and shade protection when have eye disease. Also ID is for WITHDRAWALS, jarheads. If making an actual withdrawal, I would expect at least 2 armed Marines would be called in to supervise the customer on both sides every step of the cash out. For a mortgage with several hundred thousands of dollars at stake, a platoon locked and loaded?
Trauma shifted me to making deposits by mail only, to another institution, in another city.

1
★☆☆☆☆

Branch in San Marcos. Guantanamo Detention Finance. To make a DEPOSIT in branch. (Several times in 2009, not an isolated malfunction.) Must remove cap or hat. Must remove sunglasses. Wait 10 minutes or longer for teller when there are no other customers. Sit, DO NOT STAND for this time. Present preprinted deposit slip with all information finally. Must then Aloud and distinctly demonstrate ability to read as follows. Repeat name. Repeat address. Repeat telephone number. Must say that none of these have changed. Must give passcode for account, a separate number from that of the account. Teller compares all verbal statements with deposit slip and computer and driver license. THEN spends the 1/2 minute a Bank teller takes (for all parts of transaction) to make the deposit. Am a banking professional and know in my sleep that anyone can make a deposit to any account of any person with its number, anywhere else in America. Should not have to remove eye and shade protection when have eye disease. Also ID is for WITHDRAWALS, jarheads. If making an actual withdrawal, I would expect at least 2 armed Marines would be called in to supervise the customer on both sides every step of the cash out. For a mortgage with several hundred thousands of dollars at stake, a platoon locked and loaded?
Trauma shifted me to making deposits by mail only, to another institution, in another city.

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People are quick to complain about a business these days and there are a lot of bad businesses to complain about but PMCU is not one of them.
I have dealt with poor service banks all my adult life until them.
Nightmares with Bank of America and Wachovia, I lost count. But Pacific Marine Credit Union has flat out SAVED me on numerous occasions in the 10 years I have been with them.

I.E.
Most recently I have a few fraudulent charges show up on my checking account and they not only returned the money to my account after filing out a simple form, but the refunded me a number of overdraft charges that were incurred because of them.
No hassles, they just fixed it!

Then we have the time when I was a victim to a charge card scam right before Christmas. They did a simple internet search and saw that the company had a history of scamming people and refunded the money to me in a rush before the Christmas Holidays. They literally saved my Christmas that year.

There are many other examples I could write about, but I think you get the idea.

They are not a "once in a blue moon, good experience". These folks are consistent.

They are always friendly and helpful. Educated (lordy, with all the horrible India outsourcing going on these days, it is so nice that these folks use knowledgeable local employees who actually care)

Great bank!
Just giving credit where credit is due.

5
★★★★★

People are quick to complain about a business these days and there are a lot of bad businesses to complain about but PMCU is not one of them.
I have dealt with poor service banks all my adult life until them.
Nightmares with Bank of America and Wachovia, I lost count. But Pacific Marine Credit Union has flat out SAVED me on numerous occasions in the 10 years I have been with them.

I.E.
Most recently I have a few fraudulent charges show up on my checking account and they not only returned the money to my account after filing out a simple form, but the refunded me a number of overdraft charges that were incurred because of them.
No hassles, they just fixed it!

Then we have the time when I was a victim to a charge card scam right before Christmas. They did a simple internet search and saw that the company had a history of scamming people and refunded the money to me in a rush before the Christmas Holidays. They literally saved my Christmas that year.

There are many other examples I could write about, but I think you get the idea.

They are not a "once in a blue moon, good experience". These folks are consistent.

They are always friendly and helpful. Educated (lordy, with all the horrible India outsourcing going on these days, it is so nice that these folks use knowledgeable local employees who actually care)

Great bank!
Just giving credit where credit is due.

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