Horrible customer service and archaic technology. It can take up to ten days for a check from an in-state, major bank (BoA) to clear. Their on-line "e-pay" system is a joke. It's faster to mail your bills than to pay them through Mountain Credit Union's on-line banking. When (not if) MCU screws up your account, it's next to impossible to get a manager on the phone, IF they even answer the phone.

Avoid this Credit Union like the plague!





Like many people who've grown disgusted with traditional banks, I decided to switch to my local Credit Union, in this case, Mountain Credit Union. Boy was that a mistake. I have never encountered a more inept, poorly run, Mickey Mouse financial institution in my life.





First and foremost, they have no way to verify and/or instantly electronically exchange funds with other financial institutions like traditional banks do. Their solution to this crippling deficiency is to just arbitrarily decide when to credit your account with a deposit that contains a check, and when they want to put a "hold" on the check.





There doesn't appear to be any rhyme or reason to when they decide to sit on your money for 7-10 business days. They randomly do it with in-state checks, checks in the exact same amount, written by the exact same people, that they have promptly credited your account with before.





Since they lack the ability to verify and/or electronically transfer funds to and from regular banks, one can only assume that they're using a Magic 8 Ball to decide when you can actually access your deposit?





Of course if you are counting on using the funds you deposited before the next ice age sets in, they wreak total havoc on your own bill paying ability by not having anything that even remotely resembles a consistent policy on deposits.





Their "on-line banking" is even worse. It can take up to a week for the bill you paid on-line to be received by the payee, even if it is an "instant pay" system like Duke Energy's, Direct TV's, etc.





Apparently since Mountain Credit Union does not have a "relationship" with other banks or utilities... Duke Energy, Frontier, Direct TV etc. they wait until they have a large sack of payments from their on-line Banking site, put it on the back of a donkey, stroll it across the mountains while allowing the donkey to graze occasionally, then eventually tie your payment to a rock and throw it on the payee's doorstep as they amble on by.





While the idea of not supporting the "Big Banks" is nice, having a Credit Union randomly sit on both payments and deposits for weeks is completely unacceptable.











It's no wonder the big banks are thriving if all credit unions are as archaic, inconsistent, and bovine slow as Mountain Credit Union. Don't make the mistake of opening an account with them...you'd be better off buying your own donkey.