USE Credit Union

Pat Fune

Originally, we were excited to visit this new branch location (it had moved from it's previous location on Rio San Diego Drive). Unfortunately, we discovered that it was basically a brick & mortar location which felt like it's human tellers had been replaced by fancy self-service kiosks (similar to the fast food ordering stations at McDonalds, Panera Bread, or The Habit). These self-service kiosks are indoor ATM machines which could perform few more banking functions. While this branch did have 1-2 staff members behind an informational counter to assist members using it’s self-service kiosks, answer credit union related questions, and smile happily as you go about your merry way; it felt like banking was now "less personal" than ever. Like robots are beginning to win the employment war where former tellers are now being replaced by machines. This was our specific issue with the new way USECU will be conducting business at this location. We went to this branch to obtain two new or like-new, crispy $50 bills to be used as birthday gifts. Since this branch doesn’t have in-person tellers per se who have their own cash drawers (they have machines which spit out money after they perform your transaction(s) on their computer). Cash is pre-loaded onto into their machines, just like the automated teller kiosks in the lobby area. So this what I had to do to obtain the two fifties, it was suggested that I withdraw $400 (eight $50 bills) in hopes I would get two newer crisp $50 bills which weren't beaten up or worn out, then deposit back the $300 in fifties which I didn’t want. I did that, but was still unhappy as the two fifties I kept were still not as new as I'd had wished for, but didn't want to withdraw another $800 just to re-deposit it. This is just one example, but can you see how having a live teller to assist would be desired? Not only that, but was told that while this new style of banking is a "pilot" location, that this was the new direction which USECU is hoping to go, eventually converting the rest of their branches to a similar operation if found to be profitable, efficient, and eventually desired by the members. I for one, do NOT like it at all! I know our branch in Chula Vista is currently relocating due to it's lease expiring, and hope it does not do the same thing. I would be happy with a "hybrid" branch featuring half self-service kiosks & half human tellers to accommodate both members who want no contact, and those who like to speak to an actual person and not just interact with a glorified ATM kiosk. That's just my two cents... I hope USECU sees this review, and takes my concerns into consideration that not everyone is on board with their changes for the future, which they think all their members want because they're sadly mistaken.

Julie Dugan

Just opened an account at USE in Mission Valley yesterday and Patrick was phenomenal. Such a great start to our experience - so professional, efficient and kind. Thanks, Patrick!

David Peterson

USE went above and beyond with my mortgage refinance. They were efficient and straightforward through the entire process. Donald Coleman spearheaded the project (the loan had some twists and turns to be navigated), his service and professionalism were truly outstanding. When I visit their branches they are uniformly welcoming. A nice treat after the disregard from my former big bank. I recommend them without hesitation.

Yareli Abigail

Jahnee brown, best representative there , she’s the nicest lady ever ! She makes my process so easy and fast weather it’s a simple car payment or applying for my first credit card. I highly recommend not only her but USE credit union also I came in before Christmas I got approved for a credit card but we missed a step and we had to get it re approved but everyone had left , Well bottom point USE went above and beyond to make it happen, they honestly pulled a Christmas miracle they are the best bank and the best people ever !