Missouri Credit Union Smiley Ln, Columbia

We have had accounts with Missouri Credit Union since 2005. They've been adequate, though we've had to turn to other banks for loans because of the difficulty of MO CU. The customer service is exclusively remote and has been for some time, which makes all but the most basic banking impossible. Today I was working on my mortgage application with a more reliable institution we use for credit needs. Our Missouri Credit Union account is the only account we own across multiple brokerages and institutions that would not link. I called MO CR and spoke with a person named Sierra/Ciara who VERY rudely told me that they do NOT work with outside institutions. A call to our more reliable lender verified that this is true and well known. Do not bank with MO Credit Union if you need anything more than a simple checking account. They offer high interest rates on loans, turn down simple loans for even people with good credit, and when you go through an outside lender, they WILL REFUSE to verify your holdings. Do not let the "Credit Union" label make you believe this is a reputable institution. *Update* Missouri Credit Union responded to this review so i called back and asked for "Steph". Was again given trouble by Sierra/Ciara who refused twice to forward me to "Steph" before i told her I was calling because it was her, specifically, who refused to help me earlier. She then dropped me to an unresponsive voicemail. These are the sorts of customer service experiences that have us choosing a different lender.

I originally came to this bank because it was convenient to travel to rather than going half way across town to Bank of America to cash a check. Looks like I'll have to use a different location at the very least. Possibly even start using BOA again. The Stadium location is better and still has actual tellers. Last week I got a letter finding that they had started taking $7 out of an account of mine because I hadn't been using it for a year. Not because it didn't have enough cash or because it went negative. Now it cost them $7 a month to loan out my money I keep in the account? Feels like to me they decided they found an account that I wasn't using and could dip into it for some extra profit without me knowing. Never had that from Bank of America and they have an even worse reputation. When I explained that to MCU they were rude and uncaring and saying they assumed I'd be monitoring my account. When I get a statement every 6 months or so because they also want to save money on mailings too I never knew about them taking the money out. Figured they would have made enough money on my low paying savings account to afford a 50 cent letter telling me they were charging me $7 a month for not using my account. So much for logic. At least Bank of America makes an effort to keep me a customer when I call them out. In reply to your response First; this policy is ridiculous because it causes more work than just closing the account and then informing the account holder. Especially in my case as there was 16 cents in it when this occurred, which was not explained to me when I recently discussed this with your rude account representative. That information wasn’t shared until my fiancé spoke to the bank to get detailed information. Second; no such courtesy was extended to me. You should check your facts first. I was informed by the account representative that the bank receives a call log of these accounts, however, they do not necessarily take action to call the account holders. So, they received it but they did nothing with it. When asked why she would share this information with us if they didn’t actually take the time to contact me, her response was that she was trying to be “transparent”. Ridiculous and redundant. Third; you refunded the fees to an account that only had 16 cents to begin with. Again, redundant. The industry consensus seems to be that this fee actually results in more reporting in regard to taxes, interest rates, and reduces customer retention. I have been with MCU for several years and have a substantial amount deposited, which is obviously being utilized to earn interest for your institution. It would make sense that instead of alienating a valuable customer with this policy, and the indignant attitude I received from your representative, that you would be trying to retain me. Instead, I have received nothing but the opposite. It is obviously time to take my business elsewhere.

I called to ask a simple question, and the lady was so RUDE. She answered my question in such a condescending manner, almost as if I was already supposed to know. If I knew, I wouldn't have called to begin with. This place is a joke. I suggest finding somewhere else to go, because clearly they don't care how they treat you.

If you're looking for an auto or debt consolidation loan look elsewhere. Not to get too detailed about my personal info, I have done previous smaller loans with this bank, all paid on time and paid off. Since then my credit has gone up to mid 700 and have picked up an extra job, and I was denied an auto loan due to high debt to income. I'm not sure how they factor these loans, but a different bank I was instantly approved for up to 15K at 4%. I would suggest to take your business elsewhere. I would also like to point out that wait time is horrible here, and there is a fee for a checking account, which is free at may other banks and credit unions.

For the second time in three months they've messed up my car payment. They won't take e-payments from other financial institutions and are incapable of properly posting drafts from my bank.

Refused to cash my check because they couldn't contact the person. So I finally got ahold of the person and was told there was no reason for the bank to have done that. Now my family has to go without for the weekend even though dad worked his butt off. It was the most northern bank in Columbia. Farthest booth to the right. She must not have liked how I looked I guess and single handedly stop me from cashing a check I worked for. I will never except checks from customers that use this bank. Cash only from now on. Thanks allot lady. My kids say thanks too. We are on our way to the food bank because we can't buy food. And it was yesterday, November 10th. Went there again. They don't cash checks at all now. Have to go down town.. not sure why anybody would bank here. I'm actually denying customers from now on that use this bank. I am a plumber.

They are never on time with morning 7:30 am tellers.

I've been with MCU for years but I used them again recently for an auto loan and Sarah Sauro helped me. She was so friendly and helpful! Thanks Sarah and MCU for a great experience! This is why I stayed with MCU after moving even though the closest branch is 100 miles away.

Very helpful team that helped me with my first auto loan

What happened to the tellers and personal connection? Now you go in and press buttons with a monitor screen?!