I was very satisfied with Pia because she was able to help me with my account even as there computer and phone system went down.

Talerlring services and recommendations based on individual financial situations, preferences, and goals is essential for building strong relationships. Making the most out of your banking needs as well Investments commodities and ways to manage and budget sufficiently making you feel like family. read more

MyPoint Credit Union - Rosecrans - Banks & Credit Unions Near Me - San Diego, California

From El Cajon to sports arena, I have been with point loma credit union for almost 20 years and it just seems like they do not value their customers as much as they should.. they treat me like just another number, from the extremely rude lady teller in El Cajon to the manager at the sports arena branch they never want to help, be friendly and try to help you.. Just plain rude people.. time to change credit unions.. read more

As you can read from the other 1 star reviews (and there are a ton), it's absolute amateur hour at this credit union. Understaffed, things get delayed because "someone is out sick" seriously - it's like they have one person in every department. Not to mention they have some very shady practices when it comes to their loan offerings, which are limited and honestly terrible - again, even big banks have more range than this joke of an operation. Terrible customer service, considering that a supposed benefit to credit unions is a more personal, customer focused experience. You will not get that here, I've had better treatment at the big banks. Everyone at the branch acts legitimately inconvenienced by you actually coming in and needing something. Shocking they are still in business. I'd give zero stars if I could. read more

Very solid banking experience. I've never had any issues and they are open on Saturdays which is super helpful and convenient. Greg is excellent! Very nice and a pleasure to bank with. read more

I'm here to express that I think that PIA and IVAN are such a great team for instance when I procured a settlement with each of them separately then later with IVAN, himself; it was so accountably easyI think that IVAN even needs to be held in highest accountability with all needs being met the first time like what I have experienced when I was robbed and held in highest accountability with the My Point Credit Union bank account, overdraft, and Visa account. You see I think that there is accountability with these two even now trying to make it even better for the customers. I think that there is a mistake when people are given even serious attention on the phone to ask pointed questions about it. I need a procured settlement about this all read more

Convenient location and friendly staff! Gabriel is always so helpful and kind, can't recommend them enough!

I believe an update to my review is necessary as I've had some communication with my nightpoint union at sports Arena or actually the CEO. They were able to edit my credit report for all three credit bureaus. They did the right thing by making sure that one more customer was happy and ended the business relationship. Happy I want to take a moment to say thank you for doing the right thing and maintaining a good business relationship with me as insignificant as it might seem that was my second time opening a loan with you guys, so I appreciate you guys doing the correct thing I hope to do business with you guys in the future read more

Love MyPoint! Been my main bank for years and the staff is super friendly and quick to resolve any questions or issues that arise !

Pia was helpful, calm, and kind when it came to helping me with my cashiers check. The interior was very pretty and welcoming as well.

Seriously DO NOT use this bank. I 100 percent do not trust them. My HOA did their banking here apparently for years and we started noticing some interesting behavior before I became treasurer. Once we got a new president and a new treasurer we instantly wanted to change but our ex President allowed the HOA to not be a legal one so we weren't able to get a new bank until we got our ducks in a row. The second our ducks were in a row we got a new bank. First off there is someone in this bank who would go back and tell unauthorized people (ex president) who tried to embezzle the HOA money how much was in our bank account. Her name was taken OFF the account, her email was taken OFF the account and a whole new account was opened! Then I would go to the bank and I would get an email from this owner saying how much I put in and at what time I was there! I put a safe word on the account and still some how this person would find out these details! I spoke to the manager and he said "I trust all my employees." How do you trust your employees when I showed him the email I received from someone in my HOA who shouldn't have any access to this account! It's not like I went to the bank the same day the same time every time! There is a huge giant snitch at this bank and I would NOT trust anyone! Just now I received an email from someone and they knew the date I closed the account and how much was taken out! How would they have known this??! A BiG FAT GIANT SNITCH works there! I kind of know who it is but don't want to Point fingers if I am wrong! But this woman needs to be fired If it is her! Thank goodness we opened a new account at a new bank! There is some shady business that goes on here! read more

All these negative Yelp reviews make sense. I came here to deposit a check because they are a sister Branch of my main branch. My experience went fine until I came back to get quarters and mind you I am aware it was closing but it was 4:56 PM and I wanted to just sit down for a minute or two to ice my shoulder due to a painful injury I have. I had been running errands all day and figured I could sit down and ice my shoulder for a minute or two and I'll leave at 4:59. I walk back in and this woman starts shutting the doors and I said to her "you guys don't close for four minutes I just wanted to sit down for a minute"... she rolled her eyes at me and gave me attitude in the most passive tone and said "okay go ahead". How much worse can it get? Being unkind and rude to an injured person? read more

I came in needing a large amount of cash to get my car fixed while I was out of town. I bank with Kinecta, which is a shared branch of MyPoint. The teller (who was a man with long silver hair, glasses and I think a beard) said that the max amount of cash I could get was $500 per day. He could tell I was stressed and suggested I get a cashiers check for the amount I needed. He was very understanding and professional with my situation. He really put me at ease in a stressful situation. Wish I could have gotten his name because he was a really nice employee. He described to me exactly what a cahsiers check was (I had never used one before) and the process for refunding it if needed. He was VERY helpful. read more

I've been going to this location for 7 years. I've always been mystified by the reviews because I've always had a positive- personal experience. As far as im concerned they are handling business professionally with a personal touch- read more

They just scam you by overdrafting your account. You tell them that it's an internal issue and they don't fix it. These people really suck. Accounts been open 20 years and have had 16 overdrafts that's not even one a year. These people are sad lame and racist. read more

Can I give it negative 0 points ????? AWFULLLLLL!!! Bank can't fix my debit card and as I was explaining to the teller about THEIR issue on THEIR side she stats to laugh at me. After I tell her it's not funny she started acting as a victim and called the manager over. AWFULLLLLLLLLLLLLLLLL. Bank! read more

Seriously thinking of closing my account. They used to do automatic deposits and just stopped doing them, I mean is their system that antiquated that they need a "live" person to do transactions? This is the 21st century, the computers should be up to the task. Going to close my account in August. And being asked to contact the PLCU staff is a joke, I already contacted debit card services and was given the same song and dance about "the system" being unable to do automatic deposits. It's ridiculous because they were going just fine up till about 4 weeks ago. read more

This place sucks! They will hold your money If you make a deposit through the ATM for an automatic 5 business days! WTF? I used to work at a bank & I have never seen this. I understand if you deposit a large amount but $100? Come on. I had to call the bank every time I made a deposit through the ATM so they could clear it sooner. They place has also screwed me over on transferring money from my checking account to pay my loan. They could never seem to get this ACH withdrawl thing down. I cancelled my account with these guys and have never had a problem with these kinds of ridiculous read more

I was wearing a mask and I didn't realize the teller named Natasha couldn't hear me. So I apologize and spoke louder with the help of my husband. But she has unfriendly tone when asking me. She made sure we feel that we are inconvenient for her. What kind of customer service is that? I'm a member of PLCU/MyPoint for 15 years. I've never been made to feel I'm inconvenient. I was at the bank minutes before it closes to make a deposit transaction only but this is the first time I'm being asked for my last 4 of SS# and then without telling me she left and I saw her went to photocopy my transaction receipt she was banging loudly on the copier. That's making a tantrum making sure my husband and I hear her banging. I deserve to feel welcome in this bank and not feel I'm inconvenient. Natasha needs training on better customer service especially during the second year of COVID-19 pandemic. read more

RUN away, don't walk. This place is a nightmare of bad customer service, poor training, & an attitude of "we've got your money now, we don't care anymore." It looks good to get you in the door, but once you commit, don't expect to get much service...or be treated with respect...or get anything but insulted and given a run-around when you have a problem. I got my car loan here, they were pretty helpful through THAT whole process (like I said, they'll try hard when they're trying to suck you in)...although even in the beginning there seemed to be some confusion about my interest rate... I used their car buying service, which made the pre-purchase process very easy, but apparently included NO follow-up whatsoever. When I had a problem with the paperwork, I had to call repeatedly until I caught the rep in the office - he never returned my several messages, & in the end all he did was give me the dealer's number so I could call them myself. And although the car was sold to me as a certified used car with a warranty, I never got any warranty paperwork as I was promised. It would have been slower to search myself, but much better in the end if I had! The real problems come with any unusual transaction. Want to deposit a larger-than-usual check or one from a source they don't see all the time? Be prepared to wait an unusually long time while they hold your money for "processing" until you can access it. They refused to deposit a check made out to both me & my husband for me because we don't have a joint account (although they let HIM deposit another one without so much as my signature). I asked why & got the manager's bad attitude, eye-rolling & refusal to give any real explanation...all he would say is that it was "banking regulations." No one can explain why husband wasn't given any trouble with a joint check & I get nothing but... Go to another bank, save yourself the headaches & insults of this one. read more

Wow, here we go again??? Still need improvement, hard to do business with. You win you've lost my business, the only thing you have to offer is your service, and in that department you all suck... DONE!! read more

I have been banking here for nearly 20 years, and the service hasn't been as bad as everyone else indicates.... Until today (Aug 26)! I had the displeasure of being helped by Sara while she was training a nice gentleman. He was great, but she made me want to close my accounts and go somewhere else. I also dislike that this bank never handles new coins or bills from the mint; another reason that I may move my banking. read more

Set up an account, didn't use it for a while but decided to make it the account for my new business. I directed a client to put their direct deposit into the account. Called to see how to get set up for online access (the website really sucks, very unsophisticated) and see if my money had arrived. I was told by the call center they CLOSED my account due to inactivity!!!! I was never notified of this decision!! Really? Oh well, I guess they missed their chance to leverage the use of my millions. Bad business. read more

Interesting you would say that as there is no method here to message and I have called and messaged your institution MANY times in regards to this issue. But you seem to be profiting from a smaller staff huh? read more

I have been member here for over30 years. It is annoying that I am writing this review but service here has degraded over the years to a point where I feel the need to bank at another institution. I've had money deposited into the wrong account. Had issues with non English speaking tellers. Today I have spent over an hour at the branch to try to sort out issues wit my account. Only to be told they could not fix the problem with my ATM card and I would have to deal with a call center that was not available. Apparently after 30 years of banking they had somehow disassociated my birthday with my account. I needed to input that to activate my new card, so it did not work. On the Covid front employees were not wearing mask properly. I finely told one of them to put the mask over her nose. Turns out she was the floor manager. 'This place is ridiculous, and less and less professional as years go by. I don't want them to handle my money anymore. Would give less than one star if I could. read more

I love PLCU so much! I've been with them since 1999! The best bank/credit union in San Diego! Hands down! Hop read more

I've been a customer for quite a long time and I've always been extremely happy with the customer service PLCU provides Today I was reminded of that once again. I had an issue that requires a phone call, which is really rare. I'll spare you the details but can say that the rep I spoke with, Lorena, went out of her way to help me resolve my issue. She even went so far as to follow up with a second call to update me of her actions and ensure that I was satisfied with the outcome. Service like this seems to be a rare thing in this day but it's consistent with the way I am treated by the staff at PLCU. They continue to ensure that they have a lifelong customer in me! Keep up the great work! read more

Dora is a nasty person. Pass on her if she's the next available person. Argues with you and definitely makes sure the customer is always wrong. Too bad PLU has a person like this working for them. She definitely will drive business away. read more

Five Stars to all who shared their experiences with PLCU, not the CU itself. I was planning to open an account here after Cal Coast started putting a 5 day hold on my paychecks. They also charged me a $27 overdraft fee when a $250 check I wrote cleared on the same day the 5 day hold was to expire (7/13/11). My checking account balance was $1,438! On my online statement, the note next to my deposit 5 days earlier read: "On hold until 7/13/11". To me, this means 12:01 AM on 7/13. The Cal Coast Mgr said it means until THE END of 7/13 -- as in 12:01 7/14/11 ... WTH?? I'll just have to keep looking for that elusive, customer-friendly credit union that so far, only exists in my mind! read more

When did Point Loma Credit Union start allowing employees to speak in their native tongue(language) on the floor. Very unprofessional!! I guess the dress code has relaxed also. read more

Watch out for Mimi!! Extremely unpleasant working with her and the negative attitude whenever walking into the branch!

Hi well PLCU on Sports Area Blvd. is the place to go . Mimi sat with me with listened to my concerns of a bind i was in. She was professional, understanding and gave me a solution to my problem. Being with PLCU just about a month, Mimi was helpful and with her expertise directed me to a solution to take a load off my shoulders. Kudos to you Mimi and thank you so very much. See you soon. Julie read more

I am a senior on Social Security disability. I opened an ETA "checking" account (no checks) at Point Loma Credit Union on 11/05/09. The woman who opened the account (Mimi) did not know how to open an ETA account, had never opened one before, and made me wait for almost an hour while she called other banks to get the correct "code". I was not given any account information, written materials, etc. I was only given a receipt and a piece of paper with my account number written on it. Before I opened the account I spoke to the manager, Debbie Clow and she assured me that I could get a debit card. I specified that I needed a debit card (NOT an ATM card). I received a debit card, but never got any printed material regarding the account (fees, ATM locations, disclosures, etc.). I had to call the customer service number and request information (which was never sent to me). I also called and spoke to Mimi (she sent me a booklet entitled "Membership Agreement and All-In-One Disclosure). All was well (or so I thought...) until 01/16/09, when I received a call from Mimi. She rudely informed me that an "audit" had been done on my account and that I was never supposed to have been issued a debit card. The debit card was to be cancelled at the end of the month, and I was to be sent an ATM card. Furthermore, I was informed that I was not allowed to cash any checks, not allowed to deposit money into the "checking" account, not allowed to deposit money into the savings account, and not able to open an additional checking or savings account because I am listed on Chexsystems! I told her that the PLCU fee schedule which came with my statement lists "Check cashing if non-member $5 each", and I asked if someone can walk in off the street and cash a check for $5, why are you telling me, an account holder, that I cannot cash checks there? She said they do not cash checks for non-account holders. As if all THAT weren't enough, today I checked my account online and saw that I am overdrawn $21.23!! There was no explanation. I called customer service, talked to Abel, and was immediately transferred to Debbie Clow. She said I was charged an overdraft fee because a PayPal payment came in for $9.69 and there was only $4.77 in my account. I asked why it was not declined and why I was being charged. She said it was a "processing fee" and refused to correct or waive it because it was not a credit union error. The ETA Website states the following: What happens if I overdraw my ETA? It's very difficult to over draw an ETA. If you do, there is a maximum charge of $10 for overdrafts that have occurred during a 24-hour period. What do I do now besides sue Point Loma Credit Union in small claims court? Have they broken any federal laws by their treatment of me, their lies, and by overcharging me? read more

I joined PLCU because I thought it would be different than a regular bank. I was sick of the way Chase had treated me and another family member. So, when it was suggested to me that I move my accounts here, I was open to the idea since credit unions are supposed to be better than banks. Well, this one isn't any better. When I first opened my account, I was very pleased that they paid interest on a checking account as long as you had direct deposit and made 12 debit card transactions in a month. They have online banking with a quick turnaround on the transactions; meaning the electronic payments are made to your bills within a few days. They also have fraud protection on your debit card and will give you a provisional credit on your account if your card is used fraudulently and they will do an investigation on your behalf as well. Another upside is, if your paycheck is direct deposited, your money may be available to you a day earlier depending on when your employer makes the transaction. And, your first box of checks is free. I was really quite happy until... They started charging me $3.50 a month to do my banking online. It made no sense to me to do this. Especially when this completely wipes out the interest they pay to ME on the account. It's as if they were penalizing me for trying to go paperless. So if you are paperless with all of your creditors, you are stuck with this fee. Also, when you make a debit card transaction and you don't use your pin number, they place a hold on those funds, and still deduct the money from your balance making your 'available' balance lower than your 'actual' balance - much like writing a check. Normally, this wouldn't be a problem unless you miscalculate your 'available' funds and you overdraw the account. This is where it gets messy. Not only do they charge you a $29 fee for the transaction that was overdrawn (which is perfectly reasonable, understandable and logical) but they also charge you an overdraft fee on the previous one or two transactions that would have normally been covered by the money you had when you made those purchases in the first place! When you call to find out why they did that, they try to give you some song and dance about how the overdraft fees were charged on the previous transactions because you didn't have enough 'available' funds to cover the held amounts which is a load of bull because your 'actual' balance had enough in the first place - they are the ones who caused the prior transactions to be overdrawn with their bogus fees! ((Oh, and please don't think that my overdrafts were due to irresponsible spending, my calculations were only off by a matter of a few cents. On the positive side, they did refund two of the three overdraft fees because I told them that I would take responsibility for the one and only transaction that was actually overdrawn. But they were pretty snotty about doing it.)) Bottom line: this "credit union" is no different from the big banks who treat you badly. Please don't bank here. Oh yeah, it "costs" you $5 to "join" which they will keep when you close the account. read more

I just had an excellent experience with Mimi. She really dug until she found the best solution to the issue we had. I really appreciated her demeanor and professionalism. My other bank only offered me a website to do what I needed to do. They lost the business because PLCU had a human to talk to. 5 stars all around. read more

there should be neg stars for this branch! My huband and I went into this office a couple of weeks back and there wasnt hardly anyone there. So there was no check in place to see a rep other than the teller line! So stupid really I went up to a rep to ask for assistance and of course im busy helping someone else attitude! I said fine about how long? His reply was Not sure but i can get my mgr for you, i said thanks were going to just sit in the lobby! We see the mgr just walking back and forth near the teller line and after 10 min of waiting for someone else to at least a knowledge our wait! Nothing I got fed up and walked up to her and what did she do she just walked away!!! What a B@#&h I couldnt belive it! So I just about lost it and your the branch mgr!! I had to interupt the poor teller! Then she ran over to answer my question and then just directed me to the other teller window! That poor teller looked so unhappy working there! Dont blame her! The branch mgr is Debbie TERRIBLE member service lucky i wasnt a shopper read more

I don't have an account with Point Loma but I use them when depositing and withdrawing from a partner credit union. I have never had a problem with the level of service here-they have actually been very nice and pleasant and I'm not even their customer! read more

I have been a member of Point Loma Credit Union for a while now and I am so happy with the service. Michael the sales supervisor was amazing. I had an issue with my account and he was quick to help me and resolved the matter right away. Thank you PLCU for your amazing service. read more

I've been a member at PLCU since I had my first job in high school over 25 years ago. This is a great community credit union with helpful staff. My questions are always answered in a professional manner and I always feel taken care of by their helpful staff. They have competitive rates and are eager to earn your business. read more

This bank will take your money and never tell you they have closed your account at all. This banked moved from Catalina just like that and then told everyone where to go for their new branch. They send you life insurance plans that you can get for free, but have no idea if you have died and won't check with the beneficiary of the life insurance plan at all before they take your money and close your account with no word. I put my money in here to save it and they took it because they said I don't use the account enough. Mind me I didn't find out until I noticed that my check card was not sent out for this year. Never Bank Here!!! They contact you for everything else, but go scooby do on you when they take your money. Why would a bank want to rob a person trying to save and let the money sit? Because They Are Crooks & Will Probably Find A Crooked Judge when I sue they Butt!! read more