I have had accounts with Express Credit Union since 2009. I have had a variety of loans with them without any trouble. If you need to see someone in person, you might not be happy with their limited locations, but I have always been able to reach someone by phone. Their service representatives are always friendly and helpful. They called last summer because a check I wrote for over $2K (escrow shortage) wasn't going to clear - a hold was put on my card because I put gas in the car. Fortunately, I had the difference ($100) in a savings account that I was able to transfer over. I don't think any bank I ever worked with would have called - they just would have bounced the check and charged me as many fees as possible. read more

Just opened an account with Express. I was concerned in the beginning because the process seemed to take forever,but I think that had to do with the promotion of 9% cd. But so far, I'm pleased and was able to get the CD. They're a little different than Navy Federal and some others, but I recommend people give them a chance if they can. read more

I joined this bank for the promotional CD. I needed to call the bank a few times for clarifications on the application and it took a month for it to process. Most importantly, their online bank website is NOT user friendly, it is frustrating! read more

Recently applied for the special 9% CD offer. The response from this Credit Union has been very slow ... emphasizing very slow. A phone call to the organization advised me that they've had a lot of CD requests resulting in delays. This has prompted me to research the organization further. No negative info. Will continue to pursue this application for a few more days and then disregard the offer and not consider this bank for investments. read more

If I could give them "negative stars" I would. They claim to help people with "low income" but its merely lip service. Their branches are in rather inconvenient locations and you're better off with any other credit union. I was unemployed and finally (after nearly a year) found a great job. I decided to pay off all of my credit cards and only purchase what I could pay for. To that end, I realized I needed a secured credit card (for out of town trips, as its difficult to rent a car with a debit card). Express Credit Union DENIED my request (did I mention it would have been a SECURED credit card) and gave me a lecture about wanting to see more open lines of credit. What a joke! Fortunately, I found another credit union that was more than happy to accept my savings deposit and offer a secured credit card against the deposit. read more

At Christmas, I tried to use my debit card and it was declined. Knowing there were funds to cover the charge, I tried to investigate the problem. I ended up having to go into the main branch where I was told it was declined due to "inactivity." After convincing them that I wanted to use my debit card, they re-activated my card. I was told at that time that the card is usually shut off after 6 months of inactivity. In April, I went to use the debit card again. Once again, it was declined. Going to the main branch for clarification, I was again told it was shut off due to inactivity. At last count, December to April was less than 6 months--Why was my card declined for inactivity? The main branch was unable to give me an answer. They advised that I submit my questions "online" next time. I told them that I would if I could but I couldn't access my account online. They then shoved a bunch of forms at me and told me to complete them and return them. I did and still, after four months, have not received access to my online account. Giving up on the debit card, I wrote a check in July. It was marked "Insufficient Funds." Furious, I went back to the main branch and demanded to know why this check was marked "Insufficient Funds" when there clearly were adequate funds in the account. They informed me that they never received any check to post against my account and asked if the recipient could send them a copy. So, now after being thoroughly embarrassed by having a check erroneously marked "Insufficient Funds" I had to go back to this person who now thinks I'm passing bad checks and ask them to root through their garbage to retrieve the returned check. Once I presented the copy of the returned check to the Express Credit Union, they could only say they couldn't explain why the check was returned since they did verify I had funds to cover the check. While this was going on, a second check was returned and marked "Insufficient Funds." When asked about this second check I was told my whole account had been frozen due to inactivity. I then asked what constitutes "inactivity?" I was informed that activity would be any deposit or withdrawal from the account within a 3-month period. 3-Months? In December it was 6-months! I then pointed out that there is activity on my account each and every month according to my bank statement which shows a $1.00 deduction for the ability to use my debit card. (Which clearly, I'm unable to use due to inactivity.) "well, that doesn't count." They told me. "Why not? It is a monthly withdrawal from my account, isn't it?" "Well, yes, but not by you." They replied. "So that I understand, you are saying it is OK for you to authorize taking money from my "inactive" account but it is not allowable for me to authorize taking money from my "inactive" account. How does that make any sense? Furthermore, if you are going to reject payment on a check for "inactivity" why do you mark it "Insufficient funds?" No consideration for the customer. No consideration for my reputation. No consideration for my time. No desire or effort to provide a workable banking solution. The search for a different credit union begins! read more

Express Credit Union was set up to support folks transitioning to banking services from other forms of financial services (Pay day loans, check cashers, ect). However I choose to use them because they are a small credit union who are staffed by great people- you really get the sense you are working with a local financial institution. Don't buy the negative review, these folks are great! read more

i was just called express credit union answer christie very professional and friendly plus very helpful. i knw they received a 1 star happens but i give them 5 stars ty ty express credit union will be back read more

I am past 60, have been mostly unemployed for five years, and am experiencing age discrimination in the job market. So when I was told about Express Credit Union and that it aims to help low-income people, I opened an account. Well, first thing: Since Chase closed my account 18 months ago for being too long in the red (during a very lean spell where I had to depend on odd jobs to stay in my apartment), I was informed by Express that I would not be able to use the network ATMs until I got clear with Chase. Since the ECU branches are in the south end, that's a nuisance but I can deposit checks by mail and use my debit card for purchases. This policy is framed as being "incentive" to get patrons to clean up things affecting their credit ratings, but in practical terms, many poor people live hand-to-mouth and can't help going in the red, and then get slapped with overdraft charges that put them further in the hole -- so this policy is not any "incentive," it's just one-more-gratuitous barrier to getting their noses above water. For someone dependent upon services and living close to the edge (as I have been), the nuisance stipulations meant as "incentive" or to discourage dependency or abuse accumulate unidirectionally toward a life of gridlock, and these things can and do put people over the edge into homelessness. What tore it was that I received a loan from a friend in New Mexico, needed to pay my arrears rent or lose my apartment; the check was drawn on her *brokerage account* at Wells Fargo. The check cleared in a couple of days, as verified by my friend, but Express is sitting on the funds for a full five business days and won't release them until Monday -- putting me in grave jeopardy with my landlord. Even after explaining the situation to a manager, they will not release the funds ahead of the five-day hold period -- an "out-of-state check" being the excuse. Calling Wells Fargo "out of state" is really stretching it, especially since we know the funds have left my friend's account. The reality is that ECU is earning interest on these funds; it has nothing whatever to do with guarding against bogus checks. So I'm closing my account first thing Monday, and I'll try really hard to not get angry if they ask me why. I will look at Sound Credit Union and see if their slogan "we never forget that it's your money" is something they'll stand behind. read more

It surprises me that this credit union has gotten the reviews it has. Of course, I just opened my account last year, so maybe they've improved since the negative reviewers posted. I've been very pleased with the service I get a ECU. I am often helped by Delane and she's super friendly and always smiling when I come in. The guy (I don't remember his name now) who opened my account was also really nice. I only have a savings account, so I don't know if that makes a difference in the level of satisfaction (maybe more complicated account transactions would be different?) Anyways, I give 5 stars! Good customer service! read more

I would give this business 10 stars if I could. As a casualty of the economic downturn, it was not possible for me to use a mega-bank; but Express Credit Union assisted me in every way possible to bank like a normal person, escape the check cashing outlets, and regain a lot of lost financial ground. They have ALWAYS been respectful and responsive to me and within my earshot, to others as well. Not many financial institutions help folks with monetary second chances - but Express Credit Union does each and every day. They have also made it easy for me become more responsible about my money. Bless them all! read more

The worst lying nosey Credit Union that I've ever encountered! They look into your account all the time telling you how you should spend your money. I think this is a violation of privacy. I could understand it if they we're doing it in regards to investigating a complaint or fraud reported by the account owner, instead it's just done out of prying. I also had a car loan through them under the $10,000 car loan program they have. I wanted to trade in the vehicle I financed through them which was $8999.00 & is now down to $2000, paid on time every month, and they won't finance me on a better vehicle, although they said they would have no problem in doing so as long as I kept up my payments with them. I honestly hate the bank itself as well as the lying nosey rude staff! False portrayal of a nice non-profit bank here to help the community. I'm closing my accounts as soon as my car is paid off. I've already stopped my direct deposits as well as putting any funds in this bank. Run away, unless you want your banking privacy violated... Oh and P.S, I believe Chris S. works there in the finance dept. I know for sure there's a Chris S. that works in the finance dept, that's why he's telling us to ignore the negative post. read more