Keypoint Credit Union

★☆☆☆☆
  • 505 N Mathilda Ave 100

    Sunnyvale, CA 94085

    Map & Directions
  • 408-731-4140

About Keypoint Credit Union

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Finance

Finance
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So this weekend really finished me off with KeyPoint Credit Union. As I type this it is Saturday 8/9/2008 their online banking system is completely down. :( I have no access to my money nor to my account balance. I called them and they told me it will be down until Monday! They said, "A server went down."

I work as a Technical Support Rep. I could rebuild and re-image a machine in less than 6 hours assuming current technology is being used to backup the systems on a very regular basis. Whatever situation they are in it must be really bad and this tells me that they don't have the technology in their infrastructure to be an online bank.

I was originally introduced to KeyPoint Credit Union through my company. We were located in Scotts Valley and KeyPoint had no branches in my area or Santa Cruz County. But their representative assured me that they were an online savvy bank. This experience tells me this was very much so a lie.

I have been with them for almost 4 years. I used this bank primarily because of the free ATM usage. I understand technical difficulties but I also cannot understand 72 hours of no access to my account.

0
★☆☆☆☆

So this weekend really finished me off with KeyPoint Credit Union. As I type this it is Saturday 8/9/2008 their online banking system is completely down. :( I have no access to my money nor to my account balance. I called them and they told me it will be down until Monday! They said, "A server went down."

I work as a Technical Support Rep. I could rebuild and re-image a machine in less than 6 hours assuming current technology is being used to backup the systems on a very regular basis. Whatever situation they are in it must be really bad and this tells me that they don't have the technology in their infrastructure to be an online bank.

I was originally introduced to KeyPoint Credit Union through my company. We were located in Scotts Valley and KeyPoint had no branches in my area or Santa Cruz County. But their representative assured me that they were an online savvy bank. This experience tells me this was very much so a lie.

I have been with them for almost 4 years. I used this bank primarily because of the free ATM usage. I understand technical difficulties but I also cannot understand 72 hours of no access to my account.

Pros: Free Atm usage

Cons: website access is not easy, identity theft is common with thier customers, phone system is horrible, website is not user freiendly when it is up

.

Keypoint used to be a great credit union when they were known as AEA, but over time, as they've gotten bigger, they've started to become more distant from their customers. From obtuse phone trees, long hold times, and by making it very difficult to get things basic business done (like re-ordering debit cards and checks), they've made it inconvenient to bank with them. For example, to verify identity, be prepared on the phone to give a drivers license number, the last four degits of your credit cards, the ability to verify recent transactions, and other questions in a process that takes several minutes. Done in the name of privacy protection, they say everyone's social security number, mother's maiden name and date of birth are available on Google. How's that for a scare tactic? All sounds like a mechanism to decrease phone calls, and ultimately costs. Do you want a bank that will work for you, or one only interested in getting you out of the way?

0
★☆☆☆☆

Keypoint used to be a great credit union when they were known as AEA, but over time, as they've gotten bigger, they've started to become more distant from their customers. From obtuse phone trees, long hold times, and by making it very difficult to get things basic business done (like re-ordering debit cards and checks), they've made it inconvenient to bank with them. For example, to verify identity, be prepared on the phone to give a drivers license number, the last four degits of your credit cards, the ability to verify recent transactions, and other questions in a process that takes several minutes. Done in the name of privacy protection, they say everyone's social security number, mother's maiden name and date of birth are available on Google. How's that for a scare tactic? All sounds like a mechanism to decrease phone calls, and ultimately costs. Do you want a bank that will work for you, or one only interested in getting you out of the way?

Pros: Free online banking

Cons: Inconvenient policies, locations and bad customer management

 

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