We came to open a new account and everything went smoothly. We had pre sent most of our forms as management needed to review so the appt went by pretty quickly. I'm so horrible with names but I think our advisor was Michael? He was friendly and funny. I've never used front wave before so not sure how the banking portion is as of yet but if anything negative or positive happens I'll update review. So far so good though. read more

The staff are always professional, helpful even cheerful. I appreciate that I can trust the Credit Union more so than standard banks. read more

After posted my original post. The manager reached out to out to me to make things right. I just wonder if I were like most people and kept my mouth shut if it would have taken till July 2nd to have the overdraft fees and my money placed back in the account. Who knows, she did say all calls are recorded so they are going to review the customer service and I hope they use this as a teaching moment. I appreciate the personal service that was implemented. read more

I switched to Frontwave a few months ago in an effort to close an account with another credit union that I'd had for years. My experience with Frontwave so far has been nothing short of positive. They've been very helpful, knowledgeable and forthcoming. read more

*you can't ever talk to someone. Very hard to access your account on-line. Wish I wouldn't have change my banking to frontwave.big mistake!

New slogan should read " profits before people" because that's all that matters to this bank. Then you see their response below acting like they care. I've been treated poorly multiple times and don't care to help fix your problems so I won't respond. read more

Worst bank ever. The worst lender(Claudia). With my 810 Fico score, she could not approved for a secure loan. No professional at all. So disappointed with this bank. 7 year with this bank((((( will pull out all my savings to a better bank. read more

Cesia Lezama isreally great, she solved my loan business for me, I'm really excited about her。

Let me preface with -- I am a frequent helper that typically only reviews food, but my experiences have been so terrible with this institution that I want to warn others so that they don't have to go through what I've been through. From the moment Pacific Marine Credit Union "changed its name" to FrontWave credit Union it has been nothing but negative. Closed my local branch (Miramar) and removed ATM without warning - I was told I could visit my local branch in Escondido to make large withdrawals (25mins away from my house) I called to increase my debit card limit so I wouldn't have to drive to the branch 25mims away- nope they can't do that.. needs to be a vendor purchase not an atm withdrawal Called customer service to find a work around and was ASSURED that I could withdraw as much as I wanted through "partner branches" which I argued but the gal insisted I could do. Went into a "partner branch" and was charged $5 for a cashiers check because I needed to take out more than $500 Finally I was also fed up I paid another $5 to clean out my account and called customer service to close the account-- shocker I have to send in a handwritten letter to close the account. I am doing this tomorrow.. I will update the review with more horror stories as they happen, as I am sure I am not done jumping through hurdles to appease these people. Save yourself tons of time and even more headaches -- DO NOT sign up for banking services though this establishment. read more

i was at frontwave credit union in san marcos california branch. The customer service is awesome and class act especially Cesia and Michael. and the manager assistant Vashti are the standard . They set or model standard in banking industry and they should emulated by everyone everywhere. read more

Leah is a breath of fresh air. I was greeted by her and her nice smile as soon as I walked in the door. She is so knowledgeable and helpful. Great job hiring her! On another note, I had a car loan here a couple years ago and everything went smoothly. I was really happy with the service and the rates. read more

The happiest day of my life was the day I left Frontwave Credit Union (formally Pacific Marine Credit Union). Due to the nature of my job, I travel quite frequently and understand the importance of keeping your bank informed of your whereabouts. Despite my efforts this bank has locked out my credit card seventeen times over the past few years. Six of those times alone were on a vacation in London. I called several times just to speak with a representative the first time to release the hold on on my card. I informed them of my travels and each representative calmly apologized and ensured me my card had been fixed. After two transactions my card was blocked. I repeated the process for the remained of my vacation every two days. This credit union has caused me nothing but stress and I'm ashamed in myself for taking this long to leave them. read more

I think that this Credit Union is great! The staff is very friendly to every person that walks in the door. I am a member of a different credit union, but I am able to do transactions through the shared branch network though their credit union. It is always awesome when you walk into a financial institution and go straight up to the teller and I have had that experience every time I go in there. NEVER A WAIT :) AWESOME JOB YOU GUYS I AGREE WITH JASON KEEP UP THE GREAT WORK! read more

The employees at PMCU do not know the difference between a signed judge's order of conservatorship, a social security representative payee designation and an invalid POA which states "this POA is invalid at which time I am judged incompetent". I went in to open a representative payee account for my mom's social security with the paperwork From Social security and the court order of conservatorship. The ignorant employees had us sit there while they called the POA who has been stealing mom's money for years who said told them to "do what my sister's paperwork says to do". So they finally opened the Rep Payee account without telling me they called my sister and we left. Little did I know, they reported the issue to the probate court and to adult protective services. Once my sister told me that PMCU called her to ask permission to open the Rep Payee account, I went in and closed the account there and opened a Rep Payee account at Chase. A Court hearing is Monday and I will be happy to hand deliver a court order to PMCU and not deposit another dime in her account. read more

A lady there, possibly a supervisor, was incredibly rude. I was on my cellphone with my credit union which wavefront does business with. We were trying to solve a technical issue of them not being able to pull up my joint account to deposit a check. This lady actually went over to the door, held it open to gesture I should leave. Up until then I was not rude to anyone. The other two tellers I was working with seemed nice. read more

I've banked with PMCU for almost ten years now and overall have had a great experience. I just recently refinanced an auto loan with them and I was very pleased with the exceptional customer service from their loan experts; namely Lou Lake and Tammy Linehan. I look forward to doing more business with PMCU in the future! read more

So disappointed by this credit union. Applied for an auto loan. Made an apt. The loan lady says she can't access her system so I'd have to come back another time. Poor follow up as I had to constantly call them. Their is no direct phone number to their Oceanside branch as all calls patch through to a central call center. At the end of the day, with my excellent credit and income they came back and offered me a car loan at 9% interest rate! Again the central call center had no details or explanation on why the interest rate was Highway robbery!! I just closed my car loan with Boeing Employees Credit Union at 3.6% for 5 years. Avoid this place for loans.... read more

Great branch with great customer service. Tammy Linehan was very helpful with my fathers auto loan and made us very comfortable when closing our transaction. Everything was covered and explained in depth, she made us feel like there was no stupid questions that could be asked with the welcoming and kind Aura she carries. My respects to the whole branch, special thanks to Stephanie Brit for getting the ball rolling and helping out with the beginning process. We look forward to have you guys help us with the early buy out of the lease for my vehicle. Thank you guys very much for the great experience. read more

This institution is promoting a loan extension due to the Corona Virus. After applying, they have to do a hard credit inquiry and they don't deliver what they promise. Why do they do such of false advertising? read more

I love this bank.The customer service is amazing especially Yvonne. I've been taken care of every time I have come to this bank and they truly make me feel at home. Their rates are amazing. I've had this bank for over 10 years and I wouldn't consider going anywhere else. read more

I would like to let everyone know about FRONTWRVE credit union that I'm one of their client and I have been and visited to the above branch so many times to get services. Ms Stephanie who is a branch representative / manager and Ms Michelle a teller always provided me the excellent customer services. They are awesome and have knowledge and experiences.I suggest you all if you are looking for a great credit union and want to get the excellent and quick service then do not hesitate to visit them. I have been to a few other credit unions in the past and none has provided me great customer service like this place. This is definitely my go to spot from now on... Thank you so much. read more

I'm not entirely sure why our first reviewer had such a problem with this bank. Quite honestly I haven't had an issue with the San Marcos branch. In fact, all their bank tellers are very friendly and they all know what they are doing. I feel great after walking in because my teller knows who I am and what credit union I put my money into. Good job and keep up the great work. read more

I have always liked banking here. The staff has always been very knowledgeable & helpful. It's too bad that the branch near my home closed, but I like being able to deposit checks immediately with my smartphone. They have a new computer system rolling out in the next week or so. I wonder if that means a new app. read more

By far the worst bank ever, phones calls take an average of 30 min long for them to pick up just to talk to someone just as lost as I am

I got a car loan here in 2014 and I had a great experience. I worked with Kathy and she was always very kind, professional and responsive. I got a great rate, and I would work with them again for a car loan in the future. I was surprised by the negative reviews. read more

Absolutely the worst experience I've ever had in my 15 years of financing a vehicle for times has the declaration page for my insurance been uploaded and sent and then they want to charge me an astronomical amount of $4000 because they can't figure out how to read the declaration page for my insurance. Then when talking to a representative I asked her if I can get the name and number of the person handling my account she then told me she wasn't able to disclose that information and wanted to get her permission first, how in a customer service environment do you have to get permission to have somebody's name and business number disclosed so you can straighten your account that absolutely makes no sense. I would hardly recommend you seek financing somewhere else because their customer service luxe a lot to be desired and they are completely inefficient and in capable of solving very small problems. read more

Great branch with excellent customer service. Paola was very helpful with an issue that arouse from my alerts not transferring over to a new online banking. She made me feel like I was being heard and not treated like a number. She covered everything and explained in depth, what the next step would be to correct the issue with her welcoming and kind attitude. Kudos to the whole branch, been going there for years, and will continue...Thank you again for having my back. read more

Shady business... Do NOT trust this place! They are not Bureau of Better Business Accredited for a reason. In Feb. of this year I received a Pre-Approval for a car loan up to $40,000. In March I found the perfect vehicle which cost $30,000. I spoke with a Loan Officer named Stephanie at PMCU about my intentions of buying the vehicle with my Pre-Approval and Stephanie assured me that I would be able to use the Pre-Approval. So I went back to the dealer and purchased the vehicle. Stephanie told me that I had to wait for the dealer to send PMCU the title to the vehicle so we can fill-out the loan paperwork. A couple weeks later when the dealer had the title ready for PMCU. PMCU tells me that my Pre-Approval expired in April and I can no longer use it and I now have to apply for credit. THAT"S B.S.! We had a deal! So I apply for credit anyways, and now they can only offer me $25,000. How did I just get a lower offer when my credit score is higher now than it was in Feb. and I have less debt and I have had a raise since then. Now I have been driving around this vehicle for the past month with no real loan on it because of PMCU's underhanded business tactics UPDATE....Hi Ms. Kimberley D, I did speak with Kathy Speliopoulos. She did offer to honor my original deal with PMCU however, it was a little too late and it didn't make up for the stress this situation had caused. Luckily, JP Morgan Chase bank was able to provide me with a decent loan/interest rate. read more

I recently opened an account at PMCU. Tammy Linehan helped me and was very professional and courteous. A couple of days later I received a hand written note in the mail, thanking me for my business. That personal attention is rare! Looking forward to doing more business in the future. read more

The parking is extremely small and extremely Limited the people that work at this branch are very friendly and have been very helpful for me although I don't look forward to going there at any time because of the limited parking read more

Tammy was very helpful. She explained everything thoroughly. And patiently. Very profesional and respectful attitude. Thank you.

Yes, parking is a challenge, but I've never waited long for service and the staff is very friendly and helpful!

I love this credit union. Not only are their rates the best, this branch has excellent customer service. If you haven't joined a credit union yet, do yourself a favor and join PMCU and save some money. read more

I would like to take the time to acknowledge a recent experience I had with Ivonn Rodriguez at PMCU in San Marcos. While it is not my intention to disparage other employees of the bank, I nevertheless feel that it is important to recognize the good as well as the bad. After encountering an unfortunate and frustrating experience with a couple of staff members the day prior, I was rendered unsuccessful in my endeavor with PMCU. Whether it was incompetence, lack of training, job proficiency or just plain apathy, the inability of the staff to assist me might otherwise have cost me arbitrary and unnecessary fee(s). Fortunately, upon returning the next day, I was pleasantly greeted and assisted by Ms. Rodriguez. She was not only courteous and professional but above all, respectful. Ms. Rodriguez is not only conscientious but genuinely concerned with and dedicated to doing the best job possible. Above and beyond the call of duty. Without overstating the obvious, Ms. Rodriguez is truly an asset to your institution. She represents PMCU well and should be recognized as such. The others stand to learn much from her and do well to take copious notes. I cannot speak highly enough of Ms. Rodriguez and recommend PMCU and in particular Ms. Ivonn Rodriguez to anybody looking for an exceptional financial institution. So again, Thank you PMCU and Ms. Rodriguez for all your help and concern. GREAT JOB! read more

Hard to park near. Most unfriendly financial institution have ever seen, and I spent a lifetime in banking regulatiuon elsewhere. To enter, must remove cap. Must remove sunglasses. Sit for 15 minutes, with no tellers doing anything and no other customers, or stand in line longer to wait for a teller as every person's transaction takes 1/4 hour. Present deposit slip, preprinted by very same Credit Union. Must repeat name. Must repeat address. Must repeat telephone number. Must present 2 other forms of identification. Must declare whether moved, is all this your current information? And that is to PUT MONEY IN. Had $1/4 Million on deposit and each time with the same teller had to undergo interrogation. Moved account to Bank of America , all that is necessary there (like most banks) is deposit slip and 1 form of ID; get to keep cap and sunglasses protection against summer sunlight at B of A. Had feeling armed jarhead squad would be called in to watch anybody trying to apply for a mortgage or withdraw over $100. read more