Members Choice Credit Union - Katy Freeway Katy Fwy, Houston

My family and I have been dealing with them for years and in the past year they keep freezing or blocking our accounts and it’s to the point we are calling them for every transaction, my brother went to college out of state and we informed the bank this, but every time he uses his card the decline it because they think it’s fraud. When I call to get my card unblocked they keep claiming their system state there are no funds when on my account it shows there are funds, my dad has been out side of town almost stranded because he can’t buy gas because they blocked his card. Today I’ve been told by two employees that there are no funds in my checking when I did the transfer to my checking from my saving, I told both of them on my end I have money in my checking, there are no pending transactions so where is my money? All around do not recommend this company, their systems do not keep up with anything and when it’s actual fraud happening they don’t even contact you but they’ll be quick to block your card for a 3 dollar purchase as a grocery store. We are closing our accounts and I can’t wait, do not bank with them they don’t work like a credit union.

I have been a customer for over 15+ years and recently am experiencing issues with getting a debit card. I have been to 3 locations and no one is able to make the cards. I can't understand why they don't correct the issue when its happening at numerous locations. I had fraud on my account and I can't get anyone to fix the situation. No one from that department has bothered to reach out to me in 7 days. Unfortunately I am going to go to a different bank where I am valued and can get services. It's not alot to ask for.

Should be called Members Cheated Credit Union. We had a small account for quite some time as a backup, but rarely used it. Got a notification that the account was in a dormant state and would be closed in a couple weeks...but when I went to the Fry location it was closed, then the 99 location, where they let me know the account was closed the day the mail was sent...I hope the state of Texas enjoys our $25.... What a messed up business. This was the first communication we had from them in 5 years...

I have now called in 2 separate times trying to make a payment on a loan with them. I’ve now waisted an hour and a half of my life just trying to give them my money. They continue to tell me they have no one available to take my money.

My family and I have been loyal members of the credit union for 20 years. We have many lending and account relationships with this credit union which will all be changing due to current executive leadership team and how they are now choosing to handle their member relationships. Our business account was forced to be closed with a 10-business day notice to us due to them being unable to handle the volume of our account anymore. The inability to handle the volume of the account is not the problem as I completely understand that we have a complex account with around 1200 checks clearing each month and if they can’t handle that because of system limitations then I respect their decision. However, the manner in which it happened is where I am disappointed. At no time in our years of having our business account did we hear from anyone at the credit union that our volume was a problem until the decision to close the account was already made. This gave us no way to work with the credit union towards a solution or give us time to reconcile the account and change financial institutions respectfully. The means of informing us about the account closure was through mail which we did not receive until 5-business days into the 10-business day notice. This gave us 5 business days to find a new institution, open an account, reconcile our old account, and notify over 400 contractors to negotiate any outstanding checks immediately. With such short notice and confusion of the decision we tried to call and request an explanation and a 2-week extension on closing the account without adding any new activity, but we were quickly shut down. We were told that the decision was made and the account needed to be closed and we could have 3 additional business days as an extension which they did not even honor. Our account was closed the morning of the final day which was not as we agreed and will cost my company hundreds of dollars in fee refunds to our contractors. 20 years of memberships, many referrals to the credit union, and countless auto, personal, and real estate lending with this credit union from my friends and family meant nothing to the leadership team that’s currently running the show. Jessica Segura, Vice President, showed zero empathy when speaking with me throughout all of this and in the end did not honor her word. I am extremely disappointed in the direction this credit union is headed and will no longer do any business with them.

I’ve had multiple issues disputing issues on my account. Today has been the last straw. Before banking with Member Choice please understand that if you dispute any charges. The person on the account is technically charged $50 if the dispute is valid. In other words if someone rob $40 from you and you win the dispute they can’t even help you. Comes to my second issue. With all the proof and baking it’s still their choice if they want to give you your money back. I have never banked with an institution that has done that, and after today they will lose my business. I only came here in hopes to have a great credit union experience, but it’s better to stick with bigger names or bigger credit unions, as they have far better customer service and better services to offer. After 6 years and a total lost of $5,235 over those years. I have finally seen the light. So glad I don’t have savings, stocks, or any other investments through Member Choice. They wouldn’t know how to handle wealth.

It is so nice walking in, to take care of banking issues, to be greater with smiling faces. They are always willing to help with any of your credit union issues, not just deposits and withdrawals. Any issue you have with your mobile banking or resetting pins their staff is willing to help. They are patient and understanding and are even great with kids (don’t forget to open an account for them). It is do nice to be part of a credit union where they appreciate you and do not seem nickel and dime you. They actually give you interest and help you make your money work for you.

I had the pleasure of doing business with Harry Satia at MCCU Katy Fwy. Harry provides top notch service when it comes to my loan & banking needs. He is professional, knowledgeable & personable. Whether I need an auto loan or investments options, Harry goes above and beyond to provide me detailed information to make a sound decision. His great customer service attitude & due diligence is what I respect best. Dealing with Harry Satia makes it a pleasure for me to give my business to MCCU. They have the best rates than any other banking institutions I have dealt with in the past. I would definitely recommend MCCU and Harry Satia for all your loan & banking needs. I look forward to doing more business with them in 2021! Excellent customer service with a smile!

I recently spoke to Patty Davino, Sr. Underwriter at the Members Choice Credit Union regarding my account. She was very friendly, professional, knowledgeable and provided excellent customer service. She reviews loans and handles lines of credit. All of the staff at MCCU has always been very nice and provided great customer service to me in the 16 years I've been doing business with them. Great customer service means a lot to me ! They're an awesome credit union which offers the best interest rates in auto, home, boat and personal loans ! They've financed my last two vehicles. They also have safety deposit boxes for rent, options to open checking/savings accounts, obtain a debit card and many more services are available. Stop by their location at 18211 Katy Freeway, corner of I-10 & Barker Cypress. They have several locations in the Houston and surrounding areas. You'll be glad you did !

I've been a MCCU member/customer for over 10 years and have had numerous loans serviced including a mortgage and 3 car loans. This may be typical in the auto loan industry now, but at the time I was able to have all of my car loans processed via the phone and email. I never needed to step into a branch location which is great, because I moved since opening my original account and it's now almost an hour drive for me to any of their locations. I'd give them that 5th star it they'd at least consider opening a branch office up in The Woodlands area. The affiliated offices are ok for deposits, but that's about it. Anything more than that and I'm using up close to a full morning or afternoon to do business with them. I've never had a bad experience with MCCU, and have always found the employees friendly and helpful. I also find their deposit rates to be higher than most banks, and their loan rates to be about average.

Ive been with this place since coming to Texas 14 years ago and it still my primary banking institution even though I left Texas 5 years ago. I am still able to get great service through non-member choice credit unions due to their great service collaboration with other credit unions. Love getting my ATM fees refunded monthly as well ;)

Worst bank ever. I’ve been in finance and banking for 12 years, I recommended my wife and mother in law to go apply for a loan. Both have a qualified credit, debt ratio is extremely low, they have proof of income, proof of residence and both work for big corporations. They spoke to Brandon who was extremely clueless and not welcoming, their business wasn’t appreciated. After the application he was supposed to call them within 2 hours but he never did. So when we called Brandon said the loan was declined because length of employment which is why my mother in law co-signed( she has been at her job 3 years) the other reason was share expenses which makes no sense! I called the branch to get better explanation no one answered then called left a msg for the manager which never returned my call..

The worst banking institution experience since in my life! Been a customer for over 10 years, overlooked that small inconveniences like the ATM at multiple locations always being broken. Left sitting in a lobby 30 minutes plus to be helped, etc. However, the list of negative customer service encounters over the last 6 months is too long to write in a review. If you have an issue with a credit card, expect to spend an hour being bounced back and forth from Member Services to Card Services, it's like a tag-team experience of the incompetent. They at least have one thing down in the script, if you're on for more than 5 minutes, expect to hear the words, "I APOLOGIZE" every 60 seconds, but no movement to the resolution of the issue. Not sure what level of management you have to get to before you find a competent individual that has both the knowledge, authority and understanding to resolve issues immediately. Here's just one example, I asked for a new debit card to be sent to me, after weeks of waiting none had arrived; after being bounced around for over an hour, I was told the request never got made for the card. So, I'm told the card would go out immediately. Again, weeks...no card. Call back to inquire where my card, was told that they had not received a response from the branch manager regarding the earlier card. Further, in the conversation it was revealed that the corporate offices are in the same building that the branch is located, but it's impossible for someone to walk downstairs and ask, "HEY, WHY HAVEN'T YOU RESPONDED TO MY EMAIL." It gets better, I finally receive the card...and it doesn't work. After another 2 hours bounced around between Member Services and Card Services (both departments insinuating the problem must be user error) finally arrive at one helpful/competent customer service person that discovers that the bank has input the wrong expiration date on the card in the computer and thus it keep being DECLINED. This one issue took weeks to solve and probably burned up 10 hours of my time on the phone. Remember, if a customer were to be cursed with the same level of incompetence and screw up...you're getting charged almost $50.00 bucks. That's just one example in a long list of issues!

If I could give them zero stars, I would. I called the branch about some activity I didn’t recognize. They told me they would put in a dispute for me and investigate. They told me it would take 30-45 days for the investigation to be over. The very next day I get an email saying that the investigation was over and there was nothing they could do. What is the point of a bank if they can’t help you with things like this. And the same thing happened a year ago and they were still no help. I’m gonna close my accounts with them. This bank is not here for their customers. I would avoid opening an account with them at all. From my card getting locked randomly and always needing to call the bank to what I talked about above. I am done.

saturday 5/14/22 I told them I drove from the woodlands, tx about 1 hour 20 minutes away, got to MCCU at 1.02pm because stucked in traffic due to an accident and they refused to help me. I saw they were still serving a customer at the counter but they still refused to help me . I needed to get $1000 cash out which exceed the ATM limit. I have been their member since 1999 and still they refused to help.

Left Members Choice after 14+ years. They’ve always been behind on technology and so forth but now their Fraud department nukes your card every time you use Apple Pay. It’s a pain to move your auto pay and direct deposit and so forth after so long but it’s just not worth dealing with their antiquated understanding of the world.

Words cannot fully describe the complete disgust I have for Member’s Choice Credit Union. My debit card was duplicated in the late hours of November 2nd and someone spent around $700 from my checking account. Had it not been for the fact that I woke up early on November 3rd, feeling a strong hunch that I should check my account, I wouldn’t have noticed the fraud. Why? MCCU’s useless fraud notifications never alerted me. I didn’t receive a call, text, or even an email that someone was spending hundreds of dollars of my money. However, back in the summer, I tried getting around $10 worth of gas and MCCU called me and locked my card, thinking it was a fraudulent transaction. MCCU alerted me for $10 but not for $700? What kind of fraud alert is this? So, I called MCCU around 6:45 am on November 3rd and the representative I spoke to told me nothing could be done until all the transactions posted. Really? Can’t MCCU block the transactions? If they blocked me from getting gas, why can’t they block a thief from using my checking account? Anyway, I filled out the fraud report form online and after work, I visited a branch and asked to speak to someone about what was going on. I was denied to speak someone in charge and told that the whole process would take about TEN business days to complete. Frustrated, I requested a new debit card because I did not have enough cash on me to be a sitting duck for the next ten business days. On Thursday November 4th, I called MCCU to ask if I could have provisional credits placed in my account because of upcoming bills. I also asked to speak to a manager in the MCCU fraud department about this. Again, I was denied. I was told that a request for provisional credits could be filed and a request for the fraud investigation to be over faster could also be filed. I approved and about an hour later, another MCCU rep called me. I thought it was good news but it wasn’t. The rep told me MCCU does not offer provisional credits and to keep waiting the ten business days and that if I needed to pay for my upcoming bills, I can use my savings money. Great advice, except what if I didn’t have savings available? Why is it that I have to be short $700 until who knows when? Well, on November 6th, my cat had an emergency. Thankfully, I had withdrawn some cash from my savings account and family members were kind enough to contribute, because otherwise, I could not have paid the vet bill as I am still short of money thanks to MCCU. What kind of bank doesn’t offer provisional credits? How are MCCU members supposed to get by during a fraud investigation? Furthermore, why on earth didn’t the fraud alert go off for so much money? Why didn’t I get a phone call? Why wasn’t my debit card blocked? Is it because the MCCU fraud department only works M-F from 9 to 5? So if someone commits fraud on the weekend or evening, I have bad luck? Is this really a secure place to keep your money? I don’t think so. I think my money would be secure in a jar or in a sock rather than with MCCU. I also had a horrible experience with MCCU back in early 2020. Basically, I was trying to solve a dispute and MCCU pretty much told me to get lost. Since COVID hit right after this, I decided to give MCCU a second chance at being my bank because I didn’t want to be in face to face contact with other banks until I felt safer. However, after this ordeal, I can definitely say that I am going to be closing my accounts with MCCU and taking my money to a bank that actually cares about keeping my money secure. MCCU has been nothing but headaches and stress and I recommend that if you want your money to be secure, do not choose MCCU as your bank.

I am a new member as of last week and I am so happy to be! From the moment I called I had the most wonderful experience. I worked with Mrs.Tonya Jones the entire time and her service was so commendable! She was attentive, answered all of my questions and just so patient. She truly does a fantastic job to assist you and assure you that she is there to help! This is what every successful business needs! Thank you Mrs.Jones for your service you were great!

We have been members of Member's Choice credit union for over 10 years and love them! Everyone is always very pleasant and willing to assist. Any account discrepancies or concerns are addressed promptly. Recently, our mortgage was being refinanced with Members and the loan officer is Mrs. Vanessa Green. She is absolutely fantastic! She helped us tremendously and moved very swift to get our loan finalized. The process was very smooth and effortless. My husband and I are very pleased with our service. Also, they have warm cookies every time we go to the bank and they are delicious! It is truly one of the highlights of my visit to the bank.

Members choice has become the worse of all credit unions. The level of customer service you would have received in 2019 and back has left, and the current staff there is the worse. No one wants to work with you, even in the middle of a pandemic. I will be closing my account, and moving my auto loan to another vendor. Gala and everyone else there should be ashamed of how they treat people. They are also liars, so please make sure to get EVERYTHING in writing.

Harry Satia, Performance & Engagement Program Manager at MCCU provided exceptional customer service. I called him from the dealership out of town and he quickly processed our loan over the phone. He made the loan experience stress free detailing each step and what to expect. He followed up with me and was extremely helpful. I would highly recommend dealing with Mr. Satia.

I have been a member of Members Choice Credit Union for over 5 years and I’m thrilled with their service. Online banking is user friendly, and customer service assists you with all your banking needs. I have gotten loans with lower interest rates too because it’s a Credit Union not a bank!! Highly Recommended!!

Randy Longacre is the best! He is kind, smart and on top of things with his whole heart into your specific situation. But that kindness doesn’t stop there- I’ve been with members choice now for almost 4 yrs now and I will not go with another bank/ or Credit Union! I always get the best customer service, quick responses and I truly feel this place is more like a family than a bank. Not to mention my accounts always feel extremely protected- members choice always alerts me with strange activity. Thank you Suzanne for always taking care of me and my family when We needed you most! Thank you members choice for always caring and thank you Randy to be at my disposal when you didn’t have to! The only thing I’d change would be that automated system when you have to reach a branch. Very difficult to get to an actual person in Houston. Better to take a card and call the actual branch. But hey even then they are super nice people on the messaging 😄