I refinanced my car and it was seamless! Did the whole process on the phone and went in to sign…read morepaperwork. Easy as can be and I'm saving a bunch!

First off, this isn't so much a review of the Encinitas branch as it is California Coats Credit…read moreUnion's call center, wherever that is. While I lived in North County San Diego, I had nothing but good things to say about California Coast. But things have taken a 180 since I moved out of state and what happened today is the prime reason why. I called to find out whether a check had cleared. After a shortish wait, I spoke to an attendant who could not verify my number because it wasn't accepted by some Experian system they recently starting using to verify numbers. This despite the fact that I've had the same cell number for more than 20 years and have used the same phone to check my balance several times. So then I had to talk to a manager. Of course I want to get this number thing fixed so I don't have to go through a manager every time I want information about my account. The manager tells me there is no way to fix this issue. None. And that every time I call in the future I'll have to go through someone in management to retrieve the information I want. He said that there was no way it could be any other way. Period. I have the feeling that this is more about forcing people to use California Coast's online banking, which is much more susceptible to hacking, than any new telephone tracing system they have. What a pain in the butt.

I only came for the ATM, so I can't speak about the service here, but I've never had a problem…read more Parking is impossible so I'm glad they have an underground parking lot. The first hour is free, which is great because usually only need it for no more than 10 minutes. Just grab a ticket. There are multiple elevators which is convenient but it's never been crowded (except for when Whole Foods was there). There are 2 ATMs in the lobby and they are the advanced kind which give you different denominations. That is very helpful when you don't want to carry big bills that can be hard to break. When you leave just scan your ticket at the gate and off you go. Easy!

Not open saturdays. How can anyone bank somewhere mon-fri 9-5. This is awful!…read more Also bankers here are rude and don't listen.

I love this bank. Been here for probably 30 years…read more Any teller is trained to help with anything so no extra waiting when you need to dispute charges or whatever. My only issue is that relatively frequent staff changes (6 months or so) mean that new tellers can't approve your deposit if it's over their 'limit'. They need to get a manager's approval. And you must ask them to do that or you just walk out unable to access more than 25% of your deposit. They do hire good people, though, who call you by name. Small, personalized service. Good products, free checking, no limit savings. Good place to park your funds.

I have never been to a bank that offered the best service then this bank , great staff , great bank…read moremanager , and always offers ways to help you grow your account.(s) I highly recommend anyone opening an account here ! Thank you mission fed! Officer Barnes

Many thanks to our longtime Citibank representative Jacinta for her kindness and professionalism…read more She brings a much needed personal touch to our banking experience.

Tammy is so helpful, as is Leona. I use this branch often as I live in Carlsbad. They have never…read moremet me down!

I scheduled an appointment with Phil and he called before the appointment to ensure he could help…read moreme. He was kind, professional and clear in communication PLUS he followed up with a phone call. I also met with a teller and they were very friendly and helpful as well. Lastly, I was able to have a document notarized and that associate was also kind, professional, and clear in communication. Honestly, I was impressed. It's been a looong time since I've been treated that well by so many employees at a bank.

I am shocked that Chase allows this branch to operate this branch. I always think of Chase as a…read morepremier banking institution, but this branch is the black sheep of the Chase family. I went in to convert some money in savings paying .1% interest to a CD, and the manager highly recommended that I speak to a personal banker and promised that she would email me the next day. 2 months later I went to the branch to wire money and also spoke with the manager because I never got that call. I spoke with the new manager and was told that the manager I spoke with moved to another branch. The new lady promised to put me in touch with the banker the next day. The same thing happened and nobody had reached out. I feel like they do not want me to make wise investments and prefer to keep my money in cash to pad their reserves since they are not paying interest on it. In addition I was qualified for some premium account with upgraded benefits and nobody had ever brought this up to me. I am not sure if these people are devious or just stupid.

My brother has been cashing checks with Wells Fargo for about 4-5 years. this location did not…read morewant to cash his check after the third time. Checks have always been the same nothing has changed. He works hard for every penny earned. But it was 100 percent discrimination, yet every check he's cashed is in the system.

I rarely stop at this Wells Fargo. It is conveniently located near the Carlsbad Costco gasoline…read morestation, and it has two ATM machines in front. No drive-thru ATM.

I was in the El Camino Real branch in Carlsbad, California. Two young women helped me out when I…read morewas in between a rock and a hard place. Shauna and Nancy were so very kind and helpful. I don't know what I would have done without their help.

I'm visiting from Northern California and visited this branch. Met with lady manager who's…read morecompletely unhelpful and rejected my wire transfer because of digital Bank card. Other branch in Carlsbad, they helped me with my driver lincence. 2/29/2025 at 10pm. By the way she doesn't even know the exchange rates.

After sending a letter to SDCCU I was contacted by Paula (NFD) and she advised me that whoever…read morereviewed my POA and the Death Certificate was wrong and that the documents provided were okay and that I could now come in and be added to the account and close it if need be. The next day I went into the Oceanside Branch and spoke with Lupe and she was very professional and extremely helpful. I was added to the account as a POA and then the account was closed.

My review is not about a specific branch, but about SDCCU's unethical banking and lending…read morepractices. I had a credit score of 723 and was promised a car loan at 3.00% APR. After I found my vehicle a week later, the bank suddenly claimed their "internal percentages" had changed my rate would now be 4.5%. I felt cornered and went ahead with the loan. Nearly four years later, with my loan almost paid off, I moved and filed a change of address with USPS. My June payment was made, but I missed July's payment. By August 5th, SDCCU had frozen my checking account where my direct deposit funds were still coming in, but I couldn't access or transfer any money, even to pay the car note linked to the same account. I tried calling multiple times but was kept on hold endlessly. I assumed it was a system glitch. A few days later, I walked outside and my car was gone. After calling 911, I was told it had been repossessed with no notice, no calls, no warning. After four years of on-time payments, SDCCU repossessed my car over one missed month. When I went to the branch in shock, my account was still frozen. The branch manager only unfroze it after I paid over $600 in repossession fees, plus the missed payment. The bank has refused to provide a copy of default notices sent or itemized statement of fees. They cannot provide this because I was only one month behind. To make matters worse, the tow company damaged my vehicle so badly that it became undrivable. I had the dealership repair it and sent the invoice to SDCCU only to discover that SDCCU owns the same recovery company responsible for the damage. When I contacted the Consumer Financial Protection Bureau, SDCCU denied all responsibility. SDCCU is not a trustworthy institution. Their lack of transparency, unethical lending changes, and predatory repossession tactics show how little they value their customers even long-term members in good standing.

All around no accountability, no return calls from personal bankers, no follow through service…read more Tellers are very kind but the bankers don't work as a team for the customer. I pulled all our funds and won't return.

Niya & Snezhana are Amazing! If you're looking for a great bank with awesome service come here.read more

I had a great experience at SDCCU thanks to Sofia and Amber. I came in confused about a wire…read moretransfer that had been processed at another branch, where the receiving bank's account number was entered incorrectly. I wasn't sure why I needed to come back in, but Amber took the time to thoroughly investigate the issue. She quickly identified the mistake, contacted the other bank directly, and handled everything on her end to get it resolved. She even helped get the $25 fee removed, which I really appreciated. Sofia was equally helpful :) she was kind, patient, and made the whole process feel much less stressful. She made sure to print a confirmation for me with the full account number clearly shown, which gave me peace of mind. Both Sofia and Amber went above and beyond to fix an issue that wasn't even caused at their branch. Excellent customer service all around!!

We experienced some fraudulent charges on our SDCCU account and I went in to the Encinitas branch…read morefor assistance. I was very impressed with the help that I received from Claudia. She helped us set up a new account and she was extremely patient with making sure that every detail was exactly as required to ensure that the matter was not repeated. She invited us to come back the next day just to make sure that everything was correct. Claudia provided outstanding service and that is why we have been at this bank for over 25 years.