COPOCO Community Credit Union Wilder Rd, Bay City

I just don’t understand how other banks/credit unions when you door dash and cash out on instant pay it goes right in same day usually same hour but yet at copoco it takes three days? I have never had more problems at any other bank then this one and let’s not forget about how their system is so faulty that one year ALMOST EVERYONE had to go get a new card because someone got everyone’s card information. I believe it’s truly time to take my business else where. And unfortunately I have to give them one star just to leave this review

The member service department here is exhaustingly slow. Weekday mid day and have been waiting for nearly an hour. Time to find a Credit Union that values their members time.

Since they updated June 1st, I can't access my account. Evidently, no one else can, either. I tried following the instructions, but they don't work! I don't have time to wait on hold for an hour or more to call them during business hours because, lo and behold, I work too!! Their so-called "update" is a hopeless mess and they don't seem to care. I'm sure I can find another bank where customer service is not seen as an annoying distraction.

They charge you a $1.00 to have money deposited into your account through a debit card, hold your money for because it was through a debit card, charges you if you use an ATM that's not theirs on top of ATM fees. Clear items just before they add your direct deposit so they can collect that overdraft fee. This is the worst credit union ever. They act like they are a bank and not a credit union. If I could give 0 stars I would.

I was selling a house to a friend. She decided to go through this (her) credit union. This was the biggest mistake ever. The appraiser THEY hired was the most unprofessional appraiser ever (Greg Grover) He was there for about 10 minutes, measured with his feet not a measuring instrument and came in $40,000 under the bank appraisal where she, a month later, purchased the home. Grover's appraisal was under the original cost of the house before two rooms and a deck, siding and a new roof were added. They charged $450 and them basically blew us off. We also found out that They would have also sold the loan to another company. On top of that, although the contract says CoPoCo is Grover's client, they said if we want the money back for an unprofessional appraisal, we have to go to the appraiser because "they already paid him". I wonder how that's going to go. He cost us $900 for 2 appraisals and we had no say in hiring him. This was a horrible experience. Thank you Independent Bank for saving the day.

I have banked at COPOCO for a decade now. I have never any anything but positive and helpful experiences. Any time there has been an issue it has been worked out in a timely manner. If you bank anywhere long enough there’s bound to be issues. It’s how someone handles the issues that matter. I see alot of negative comments on here. I’m wondering if it’s just a bunch of broke people who can’t be pleased no matter what by there bank because we’ll, there so broke. That’s my guess. I usually deal with the Straits branch just off Mackinaw exit on 10. Amy the manager there is always a very pleasant person to deal with. If shes not busy and sees me coming too the door she will even open the door for me. I know it’s a small touch but in a world where no one helps anyone anymore, it means something to me. I will continue banking with COPOCO as long as they are around!

Since they updated their system June 1st, I nor anyone I know can login to their online banking or app now! This was never mentioned to us when they posted their closure/update to the system. I and many others have tried calling the customer service number for online banking and your just on hold FOREVER and end up having to hang up. Also tried just calling the banks regular teller number and just rings. So apparently there is NO HELP to get into our accounts?. I will now have to stop and go into talk to a teller soon but don't have high hopes with that! Very unprofessional.

Worst credit union ever. I have had them for 8 years and have had enough. At first it wasn't so bad becuase of low atm withdraw fees , but once you start buying items on Amazon or eBay they freeze or tag the purchases if they are out of the country. Very annoying going somewhere and there's money in my account but it's locked. Also they screw up every single time I do a money order. Already created an account elsewhere and switching right away. Plus rude customer service, and long lines equals worst credit union possible.

This place is terrible, employees dont listen and the online banking app didn't work, called for help and they were as helpful as sandpaper to wipe your bum. If I could give them a negative star rating it would be a high. They stink!!

I have been calling for 2 days to pay my credit bill and I have called all 3 locations both days and still no answer. SAD!