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Banking reviews in Baltimore

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  • I have 17 years of credit union experience on my resume - everything from branch operations, trade association and data processing - and I have never encountered anything like this.
    But to quote Provider name locked. from Beyond the Forest, when I walked into this Provider name locked. office the first thing that came to mind was "What a dump."
    This branch is filthy and bleak.  You walk in and are greeted by an employee seated at a lectern who directs you to either stand in line or sit down - its like being bossed around by the Vice Principal in a High School. You know, the one that gave out the detentions.
    And the attitude of the member service represents is not "how can we help you?" but more "what do you need."  In 22 years of credit union membership in the state where we used to live, there was never anything like this.
    The member service rep that I dealt with on my first visit when I opened my account in December 2012, and when I closed my account in Provider name locked. , 2013 simply seemed put out that I would need something from the credit union.
    Opening my account, I deposited a large check in a basic savings account and explained that I didn't need access to the funds, so keeping in savings was, for the short term, the best place for it.  She kept explaining Reg CC (the Federal Reserve's Funds Availability Provider name locked. that dictates conditions for holds), but she couldn't tell me when the hold would release.  And I wasn't given any documentation on the Fed Reg CC policy.  I was told to call the credit union in a couple days to see if anyone in the call center knew anything.  Leaving, I was more annoyed by the lack knowledge than I was relieved that this was behind me.
    I closed the account (which still had a large balance) in Provider name locked. because getting a share secured loan (where money is your account is held as collateral against the loan until its paid off) was too difficult.  Why do a shared secured loan? Because the cost of borrowing is so much less.  And as we just moved to Baltimore, I needed to build my local credit.  But she never asked the amount - it could have been $500 or it could have been $15,000 and I had ample money to collateralize the loan with money left over.
    My point is that Provider name locked. doesn't impress me as a place that understands credit union philosophy of helping people.  They seem more annoyed that you could want something.  The employees don't take pride in their office, so how do you take pride in being a member.
    The final insult is that after sending a letter to the CEO about how and why his credit union lost my account and lost a zero risk loan, he didn't seem to care.  He mumbled something about having lunch with his employees and he was shocked to get me letter, and he made it very evident that his call had one purpose only - to tell me he got the letter.  He had no questions or interest in my insights.  He just wanted to do for the sake of doing it. 
    And that seems to emblematic of Provider name locked. .  They aren't interested in their members or former members.  They don't want to improve.  They simply just don't care.  And with SECU, Point Breeze and Destinations Credit Union begging for business, take your money and your future to a credit union who will value your membership instead of this dump.
    - Stuart K.
  • When I have requested help in transferring money, they have always been accomidating, friendly and professional. While Angie's list asks for a year the home was built, that is the approximate year I began banking with Provider name locked.
    - Janet M.
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Banks in Baltimore

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