There are 100 to 200 past and active cases in small claims court involving Merco Credit Union who I…read moresubmit was too generous granting auto loans to sub par borrowers. I found the personal experience superior and look forward to Refi our new car auto loan with Merco. Their website has a wealth of tools and financial education. Rare to find exemplary businesses in Merced and Merco nails it.

Not allowed to use my money when and how I want or need to. We are booking a vacation home for next…read moreMay 2027 in Hawaii for my whole family and the rental is a little less than $20,000. Only options to pay are by debit/credit, Apple or PayPal all of which are connected to my bank account. I went to the local branch and filled out the paperwork to open my daily limit to allow the purchase. Then went back the next day to do the transaction while in the bank to make sure everything went smoothly since I have had multiple issues with large transactions not going through even when filling out the required paperwork. 2 different times I've tried to purchase plane tickets between $3000-$4000 and never been able to use my bank card. This time the VP said absolutely not. She would not allow my card to be opened for such a large transaction even with me doing the transaction while in the bank. Said that the only way such a large amount could be done is through a wire transfer or cashiers check which is not a payment option for Airbnb. I understand it's for protection but that is why I was doing this while in their presence. Airbnb does offer an option to pay half now and the remainder later and I was still told no. I am tired of not being able to access my money when I need it for what I want to use it for. I will be closing my account and I am encouraging my adult children as well as my siblings and parents to close their accounts.

$10 non customer fee to cash a check. Not going back unless an…read moreemergency. Ample parking, few customers.

Horrible bank . My account was hacked. And after putting a claim in . Mind you after 2 hours that I…read morenotified them . They denied my claim said I was to blame. Gave me the run around only to blame me .

How they only have one teller at 2pm on the first Monday of the month?!?! I dont bank here and now…read moreI know why.

They don't answer their phone! Their website is impossible…read moreto make an appointment from!

I have moved from CA and maintain my account at MSEFCU because I receive more service from them…read morethan other banks and credit unions I have been associated with. I make a call, I get answers. I moved over 5 years ago but still see the convenience of banking here.

I have been banking at the main branch and use the drive through to get cash…read more There has been a time when I was given the amount I requested but today I was told that a new policy is in place and can only give out a certain amount of money! Asked the girl to talk to her supervisor and she came back and said that this ONE time would give me MY money that I requested ! Very rude and bad customer service! Need to be trained on how to treat customers .

I have been thinking here for almost 30 years. I chose to continue to bank here even after I moved…read moreout of the area. I appreciate the online features that allows me to do everything from home. I appreciate anytime I have reached out for assistance pair always very helpful. I also like in the times I have gone in the teller is always very welcoming as well as from the moment I walk in.

Why is activating a new credit card such a complicated process?…read more I called the activation number listed on the card and entered all the requested information correctly, only to be transferred to a call center representative who told me I needed to contact the bank directly about my account. My account is in good standing, and I had spoken with a representative just two weeks ago to request this replacement card. After calling the bank directly, I was transferred yet again to another call center, waited approximately five minutes, and was then informed that their system was down and they could not assist me. The end result: no activated card and a significant amount of wasted time. This experience fell far short of basic customer service expectations. Something as simple as activating a replacement card should not require multiple transfers and system failures.

Killed my account today. My husband died early January, I left a message for the employee we had…read morespoken to when opening the account a few years back, I needed to know what the procedure for the bank was. I never heard back, so I went to the bank in mid February to discover the employee had JUST picked up the January messages. This fact alone was enough for me to close the account. Heaven forbid the message was a weightier issue.

Amazing people. Hospitable and respectful. They are there whenever I need help with my deposits…read more Great branch in Merced!!

The customer service is cool, but the tellers don't do nothing but stand around. It's never more…read morethan two tellers so if you have something to do don't go there cause you will be in line for two hours and I seen a roach on the couch

I visited this branch to deposit cash. The ATM outside the branch was out of service, and after…read morewaiting over 10 minutes, the drive-through ATM also showed "OUT OF SERVICE" (1/1). I returned the next day (1/2) to deposit cash again. The ATM inside was extremely slow and outdated, and it miscounted my deposit -- I was short $180. After the first deposit, the ATM was stuck on the "processing" screen for several minutes, clearly indicating a problem. When I tried to make a second deposit, the ATM displayed "cash deposit unavailable."

Been depositing checks here regularly to someones account…read more Nothing bad to say....I've always been handled by Sylvia (always there, workaholic works as many hours as I do!!) With the exception of once I've been taken care of quickly and their customer service is great!!! Ample parking. Central location. A+++ rock on yall

I do not recommend this banking establishment to anyone. They have made two very large errors…read more Both times, allowing checks to be cashed out of my account which aren't even mine. Because of this, my account became overdrawn (twice) and I was told that it would take 3-4 days for me to be reimbursed even though none of it was my fault. I had to jump through several hoops to get the situations solved and when I actually went into the bank to speak with someone about it, they were very dismissive. I even asked to speak to the manager and he was rude and defensive. I urge you to think twice before banking with Mechanics.