Superior Choice Credit Union in Hermantown, Minnesota

As a former account rep at another bank, I understand banking fees and regulations, so this comes from a place of experience when I say this bank is terrible. They don’t store images of checks so if you want to see what your check was for, you have to pay to have them research it. They charge fees for check deposits that bounce but don’t store the image so you have to pay to have them pull the check that bounced so you can know who bounced their check on you. Just about everything has to be done in person and via physical paper vs electronically. Their fee structure is high and they do not wave any fees, even if the fees were a result of their poor electronic system. They switched debit card companies and cancelled everyone’s cards while mailing out the new ones. This was very poorly communicated leaving me without a debit card until the new one came. Just about every time I call customer service, I am given different information (the reps do not have appropriate training) and often the customer service reps escalate the call leaving me more frustrated after talking with them instead of less frustrated. It seems nothing can be handled over the phone other than getting your account balance. Nothing can be handled electronically on their website except checking your balance. This is a terrible bank who doesn’t care at all about keeping their account holders happy.

They recently switched over their credit cards to a third party, which is really inconvenient for paying and the bank tells can barely give you info about how to pay them. Very slow service on top of it. I know I'll probably be switching banks soon. very unimpressed.

SCCU was sending my husband's bank statements to the wrong email address. We requested documentation to see if it was our error or theirs. We received the requested documentation and it showed the error was theirs.. he had written his email address down correctly. An SCCU employee had entered it into their system incorrectly. My husband (not receiving bank statements, as his private financial information was being sent to someone else) overdrafted. SCCU charged us astronomical fees and refused to work with us to reduce the fees even a small amount. They did acknowledge their error... but refused to take any financial responsibility. We would have happily paid some of these fees, as he did overdraft, but he also wasn't receiving statements that he had requested to receive due to an error on their end. This credit union could have reduced a portion of the fees to acknowledge their error and we would have been happy. We were a young couple with future loan and investment needs. This credit union could have sacrificed a couple hundred dollars to "wow" us, and in return, could have made hundreds or even thousands more. We could have told everyone we knew how fair and trustworthy this credit union was. Instead, we tell everyone we know to stay far away from this establishment.

I've got nothing but amazing things to say about these guys!!! Excellent customer service, personal touch to all they do. I've been trying to fix my credit and they have been helping me every step of the way!!

Well, what did I expect? It's small town banking at it's best. Online banking is through a third-party service called "It's Me 24/7". The design and functionality doesn't look like it's been updated since about 2005. Oh, and they _say_ that they have he ability to connect with Quicken and other banking programs. That's a lie unless you're using versions of the software from before 2006. No up-to-date version of Quicken or MS Money would be able to connect to your accounts with them. Their IT staff basically said, we don't test or support it (even though their website says it does).