There are 100 to 200 past and active cases in small claims court involving Merco Credit Union who I…read moresubmit was too generous granting auto loans to sub par borrowers. I found the personal experience superior and look forward to Refi our new car auto loan with Merco. Their website has a wealth of tools and financial education. Rare to find exemplary businesses in Merced and Merco nails it.

Rude spammy customer service. They try to force you to tell them a pay date when you clearly tell…read morethem you don't have one yet. They call and ask so much and try to put you in the spot so you'll just say maybe in a few days I can pay. Then they'll turn around and threaten you if you don't pay the day you said maybe to after putting you on the spot and after telling them multiple times you don't know the exact day. They also mail me other peoples bills giving me info that is not mine. They care about money over morality.

$10 non customer fee to cash a check. Not going back unless an…read moreemergency. Ample parking, few customers.

Horrible bank . My account was hacked. And after putting a claim in . Mind you after 2 hours that I…read morenotified them . They denied my claim said I was to blame. Gave me the run around only to blame me .

I wish I could give 0 stars to the Merced branch for their lack of customer service, I had a…read more1o'clock appointment time, which I arrived 15 minutes early so by 1:45 when I saw a walk-in see a banker before me I decided I was done waiting and I think I'm done with B of A and their disrespect, anyone have recommendations for a good new bank, where I can get treated with respect?

How they only have one teller at 2pm on the first Monday of the month?!?! I dont bank here and now…read moreI know why.

I have been banking at the main branch and use the drive through to get cash…read more There has been a time when I was given the amount I requested but today I was told that a new policy is in place and can only give out a certain amount of money! Asked the girl to talk to her supervisor and she came back and said that this ONE time would give me MY money that I requested ! Very rude and bad customer service! Need to be trained on how to treat customers .

I have moved from CA and maintain my account at MSEFCU because I receive more service from them…read morethan other banks and credit unions I have been associated with. I make a call, I get answers. I moved over 5 years ago but still see the convenience of banking here.

Update 07-01-2026 and 07-03-2026 Citibank's only branch in…read moreMerced suffered a 100% turnover past 6 months. I made a corporate complaint against bank teller for providing poor customer service with a condescending attitude.

Be careful for the phone call. They called today said they are from Citi bank, but it is Veteran…read moreDay which the bank not even on Veteran Day.

Went in today to pay a credit card, I had some questions about my debit card and proceeded to ask…read morethe teller, every single time I try to use their ATM outside, my debit card does not work. He calls accounting debt, and they told him to tell me that it's not working because my payment is overdue, MIND you, this has been an issue, even when I was doing my payments on time lol. Then they decided to then tell me there was a block on my account, and that they removed it. Honestly working at a bank myself, I personally feel like they didn't know what to say to me so they just assumed to blame it on the status of my account instead of maybe getting to the root of the issue of maybe their ATM machine is not working correctly or my card is damaged in someway. Accounting never talk to me face-to-face and they just kept calling back the teller giving him whatever information they could think of. If it wasn't for the credit card I have with them. I would literally close my account today if I could, but I'm going to as soon as I paid it off. It's literally never a good experience going inside, I literally dread it. Zero stars if I could

Why is activating a new credit card such a complicated process?…read more I called the activation number listed on the card and entered all the requested information correctly, only to be transferred to a call center representative who told me I needed to contact the bank directly about my account. My account is in good standing, and I had spoken with a representative just two weeks ago to request this replacement card. After calling the bank directly, I was transferred yet again to another call center, waited approximately five minutes, and was then informed that their system was down and they could not assist me. The end result: no activated card and a significant amount of wasted time. This experience fell far short of basic customer service expectations. Something as simple as activating a replacement card should not require multiple transfers and system failures.

Killed my account today. My husband died early January, I left a message for the employee we had…read morespoken to when opening the account a few years back, I needed to know what the procedure for the bank was. I never heard back, so I went to the bank in mid February to discover the employee had JUST picked up the January messages. This fact alone was enough for me to close the account. Heaven forbid the message was a weightier issue.

Amazing people. Hospitable and respectful. They are there whenever I need help with my deposits…read more Great branch in Merced!!

The customer service is cool, but the tellers don't do nothing but stand around. It's never more…read morethan two tellers so if you have something to do don't go there cause you will be in line for two hours and I seen a roach on the couch

I visited this branch to deposit cash. The ATM outside the branch was out of service, and after…read morewaiting over 10 minutes, the drive-through ATM also showed "OUT OF SERVICE" (1/1). I returned the next day (1/2) to deposit cash again. The ATM inside was extremely slow and outdated, and it miscounted my deposit -- I was short $180. After the first deposit, the ATM was stuck on the "processing" screen for several minutes, clearly indicating a problem. When I tried to make a second deposit, the ATM displayed "cash deposit unavailable."

Been depositing checks here regularly to someones account…read more Nothing bad to say....I've always been handled by Sylvia (always there, workaholic works as many hours as I do!!) With the exception of once I've been taken care of quickly and their customer service is great!!! Ample parking. Central location. A+++ rock on yall

I do not recommend this banking establishment to anyone. They have made two very large errors…read more Both times, allowing checks to be cashed out of my account which aren't even mine. Because of this, my account became overdrawn (twice) and I was told that it would take 3-4 days for me to be reimbursed even though none of it was my fault. I had to jump through several hoops to get the situations solved and when I actually went into the bank to speak with someone about it, they were very dismissive. I even asked to speak to the manager and he was rude and defensive. I urge you to think twice before banking with Mechanics.