USE Credit Union Russell Ln, La Jolla

Would definitely not recommend this financial institution to anyone. Their practices are highly questionable and so out of line with other community banks. They are far behind present day standards re fees for service. I switched to Chase and found the kind of valuable customer service, products and services I wanted. Chase proved hands down so much better than USECU!

This is literally the worst bank, and location of any bank I have used. You always wait in line for long periods. With Covid, it is even worse. They have it set up so you are forced to wait in a line outside. I waited for over 45 minutes when it was freezing out! I had surgery six weeks ago, and there is no option to sit. Your standing on an unbalanced incline on top of it. Ironically, I have lower APR on my credit cards with Wells Fargo and B of A. Look else where if you are considering this bank! Not a lot of locations either, but avoid the one on UCSD’s campus, unless you want to wait forever.

Staff are as helpful as they can be, but there are some serious systemic issues with this bank. I had a typo on my application for a checking account that prevented me from accessing my debit card and online banking. After 6 lengthy phone calls and multiple form submissions, I decided it was easier to bank elsewhere than try to fix the problem. If this is how poorly they handle the tiny issue of a typo, I can't imagine what would happen if I had more serious issues.

They make their money by exploiting in-debt former students. I was a member here for several years, but when switching which account my student loans draw from, my student loan company erroneously attempted to draw from account without enough money in it here. They attempted this twice - and USE Credit Union refuses to reverse the charges despite the fact that I had nothing to do with it and the account switch has since gone through. I will be cancelling my account as soon as the transfer to cover my now-negative balance (because of the fees this union charged) goes through on the account I had here.

Janara was terrific - she helped me set up several accounts quickly and was extremely helpful. I would recommend this bank/branch for students.

Highly recommended as a good place for general banking services with down-to-earth friendly employees.

Always a great experience coming into this location, everyones extremely helpful and positive Highly Recommend!

This place is so outdated. Not worth it.