11/01/2025: The customer service representatives are very disrespectful. I honestly would have taken the rise in interest rates getting a loan through my main credit union over these guys had I know how slow and rude they would be. Now I know. Update 11/17/25 I originally reviewed these guys with one star after having talked to multiple rude CSR's. Then today after talking to a young man named Micheal he was able to clear up the confusion and misinformation issues I was having. And get me on the right track. Some representatives are just better with customers and more knowledgeable in the field, which is the difference. I don't know if you guys (Gesa) are open to suggestions, but perhaps having more rigorous training on how to navigate the online platform and communicate with customers would help your ratings. read more

I sent in a check for deposit in early December with a note asking for a receipt. It did not come. I had to discuss this on phone with a supervisor. She put not ein my file to send receipts each time. Now Its Feb- no receipt came for another deposit.. I had to call again. They didn't send one so it will come sometime. This time the supervisor is going to be sure there is a note in my account! They also want to push me to driving 15 miles away in Seattle area to deposit in person. I like to believe people and trust. however things do not get better with them. read more

Rotten. Terrible. DOES NOT VALUE LONG TIME "MEMBERS". More than 30 years with this credit union, never late or missed payments, several car and home loans paid off, my credit could not be better and they refuse to lower my credit card interest rate below 17.49% when the prime rate is at 6.75%. This is not an institution that has any intention of "serving its members", clearly screwing its members is the top priority. DO NOT FALL FOR THE HYPE, GESA IS NOT GREAT. read more

If I could give negative stars, I would. This credit union sucks. This place has more control over your money than you do. They will transfer money without authorization, charge insufficient fund fee's even though there is money in account and no money even left account. Don't waste your time, customer service is horrible as well. May I suggest Numerica or Hapo but definitely don't waste your time with this institution of fee's. read more

I have bought and sold 5 residences and a business in 68 years. Have an 840 credit score. More than 3X in net worth. BY FAR my recent experience with GESA was so bad that I literally pulled out and went elsewhere 48 hours prior to closing. I have never experienced any financial institution try so hard to wreck a deal.............until Gesa read more

Worst credit union I have dealt with. No negotiations no resolutions just well too bad for you.

Look at all these complaints! Add mine to the list. Your Call Center needs to be re-structured. I don't know what the set-up is, but it ain't working. At least, it's not working during heavy call volumes. Steps can be taken to improve this. So get out of your small-minded small-thinking Tri-City cloud and hire a consulting firm to improve this service. read more

I've been with them for years but I'm closing my accounts. They've locked all their customers out on the 1st & 2nd of the month to "perform and update". No ATM, debit transactions, online banking, wire transfers, in branch customer support, nothing. They gave us no notice yet again, just like earlier this year when they shut off and replaced everyone's debit cards. This is just the straw that broke the camels back here. Every interaction I have with them, they mess up or outright fail to do. You'd be better off basically anywhere else. read more

very poor customer service. no online access to loan or payments. even though got a letter i would have this service for free. Making extra payment for loan principal is difficult and requires hours every month to go through phone trees and account verification. most difficult loan service i have seen. And have had loan with many other organizations. this is by far worst auto loan i have every experienced read more

First the construction loan process and agent was great to work with. However when it came time to transition to the standard loan, the GESA loan department messed up my paperwork telling me one thing then demanding an earlier payment than what was communicated. In dealing with their operations team to correct their error, they took no accountability for the mistake which resulted in money out of my pocket. I will never recommend them to anyone again. There are too many other lenders to chose from instead of going with GESA who clearly does not accountability for their own mistakes. read more

Would give a zero rating if I could. I personally went to the branch a month ago to get my credit card changed into my married name. After about a 30-minute wait and providing my documents, I was handed a card they made for me on site, said it was activated and good to go. I go to use it today, a month later, and it is DECLINED. I call customer service (I am 10th in the queue by the way) and they tell me after much research that they "stopped using that credit card provider" last week and that I would have to go back to the branch to get a new card with the provider they now DO use as they cannot activate the one I have any longer. What the literal hell? Someone needs to be fired for the way they run that place. read more

If you set up a living trust for your family, do not plan for your trustee(s) or executor of your estate to have access to any account with Gesa after you pass unless you have added that person(s) as a signer on the accounts. The best advice our estate lawyer could give us is that "credit unions can be a little tricky". It was exceptionally inconvenient and time consuming to find workarounds to access my father's accounts after he passed even though he thought he had checked all the boxes to make the management of his estate super simple. Gesa did not work to make things any easier and gave us minimal information and cooperation suggesting only that we could close the accounts and take the money elsewhere, which we did do, but it was a lengthier process than we ever would have imagined. read more

Note: I've added to this review five times, because it literally is *that bad.* Part of the Inspirus merger. Terrible communication, resulting in us double paying our mortgage and overdrafting (and right before Christmas, no less). Wish I wasn't tied into them for checking and mortgage. Time to shop around. Also, had to pay for checks, and can't add husband's name to checks as the name is locked into the person's name on the account. :-/ Updated to add: now I can't pay off the overdraft, because I'm paying the exact amount to bring the overdraft to zero. Been on hold 30 minutes. Updated to add again: Agent put in the wrong spelling for my husband's name on checks. Won't refund. They say I need to provide a letter from my husband verifying the spelling with his driver's license. We've been a SECUWA/Inspirus member for TWENTY YEARS. Including a MORTGAGE. I just cannot get over how terrible the customer service is. I feel USED...this is not a credit union. It is a bank out to use its clients. AVOID AVOID AVOID AVOID AVOID. read more

Gesa Credit Union - But never mind we've been members for 20 years (and have a mortgage and several accounts with the name spelled correctly). - Banks & Credit Unions Near Me - Richland, Washington

Gesa is an amazing credit union to bank with! The lender team is fantastic, their staff is always so nice. They have free accounts and low rates. They credit back atm fees and don't charge you to bring your change in. They support the community with campaign cards to donate to high schools, fire fighters, veterans, and police officers. read more

app has been down or is it just me !!!?? it's been a month where I can not sign into mobile banking . Is it me or does the company know about this read more

Family members have been with GESA CU for over 50 years, others 35 years or less. Grandparents, parents, sisters, brothers, our spouses, teen to adult children, and myself. We all appreciate the great service we receive with the GESA staff. Reading the bad reviews is SURPRISING and has me wondering what the whole story is per incidents. Hoping if you are looking for a bank you will check GESA CU out for yourself. read more

Horrible customer services. Staff are not knowledgeable in basic financial transactions and make any transaction of this kind painful. One staff member made a huge error (happened twice on two separate occasions) and they were promoted. Take your money elsewhere where customer service is good and rates are good as well read more

Honestly I an very shocked how many bad reviews Gesa has. Thru out the years I've been with them, they have always helped me the best they could. When interested in taking out a credit card they guided me thru all the steps of the process. Explained every bit of information so perfectly. I would honestly recommend Gesa as your bank. I never had an issue with them, every problem I have had they had solved! read more

The absolute WORST company to deal with. Will take out double payments and wont give it back for 2-4 weeks. Then if you don't actually bank with them they will only give it back in a mailed CHECK!! Thieves!! read more

Worse bank ever. Customer service is hard to get. Emails take days to return. They charge you for everything. GESA is the "Spirt" of banks.

Applied for a car refinance online. After 5 business days heard nothing from them. We have been members for 18 years. Called in to get results and we were told they called us and emailed us. I find it peculiar that both modes of communication do not show this happening on our end. Verified information was correct and nothing. Asked for a manager to call since the person had no helpful means of supporting membership questions and had no clue to what the process was for a loan. It's been yet another 5 days and a manager has not called. Seriously considering moving our whole family an investments to a different financial institution. What is lacking here? Responsibility, communication, follow up, respect, cross selling to build credit for teens, knowledge of products at their own financial institutions, and care for the members needs. CEOs need to worry more about the membership instead of growing more branches. It's the members who propel the growth. read more

The moment Inspirus credit Union changed to Gesa we've had NOTHING but trouble. My husband joined in 1981 but unfortunately you can't expect a new company buyout to give the same amazing service. MULTIPLE Failing's to post our payments, failing to put my name on the account when we came IN PERSON driving 40 miles to sign up a new car loan and platinum card. When you attempt to bank by phone they ask no less than TEN security questions... just ridiculous. YOU CAN'T GIVE ME MONEY THROUGH THE PHONE, WTH is with the myriad of questions?!?! We're going to find another hometown 'family friendly' credit Union, Gesa is Not It. We're just thankful we waited and didn't deposit the funds from the sale of our home. No telling how badly they would have mismanaged that amount of money. Don't risk your excellent credit scores when this bank consistently fails. They've just lost very loyal customers with their ineptness #GesaCreditUnion #gesa read more

I was a member of the School Employes Credit Union until they moved it to Gesa. Gesa is the worst financial institution I have dealt with. I have switched everything to BECU, except my credit card and I will do that soon. Getting hold of customer service if you can find it, is awful. They love to tack on fees which you then spend several calls getting fixed, to find out days later it is not. When you get hold of customer service, they are very bice, but that does not mean your problem gets fixed. School employes Credit Union, you could make one call and the problem would be taken care of. I am disappointed that School Employees Credit Union stuck us with such a terrible credit union. read more

literally the worst experience ever, they made a typo in my daughters social and are now making her wait over 24 hours to access her funds. they were 0 help with the whole issue. I would never recommend this place to my worst enemy. read more

Run far away from this union. If not for having a great low interest rate that does not exist anymore I would refinance my vehicle. The incompentance and lack of proffesionalism here is mind blowing. Do yourself a favor and go with any other credit union even if they can save you a few bucks. It isn't worth the headaches. Think you want to make a few months payments up front because you're going on vacation and don't want to miss one? HA, good luck with that! Have an issue with incorrect billing? No one seems to know what's going on.... One guy even told me NOT to open a checking acount to do auto payments with them because it would not solve the problem... HUH!? Shoulda stayed with BECU. Never again. read more

Doesn't protect consumers. I got ripped off online. They told me since I didn't have my card stolen, I "WILLFULLY PARTICIPATED IN A SCAM" That's it. no recourse. Nothing. Sorry about your luck. Okay Byeeee read more

The worst credit union I have the unfortunate experience of being a member. Fast Cash loan is at 35% making this CU nothing but a loan shark. Hell, even credit cards wont charge that percentage for a cash advance. My car title has not arrived to date though the loan has been paid off. STAY AWAY FROM THIS CU!!! read more

Unhelpful and insincere. I have been a member of the credit union long before GESA took over. It used to be a great. The amount of red tape to get any help at all is exhausting and the outsourcing of customer service makes it very challenging at times as well. read more

Can't ahold of anyone. All they have is an 800 number that puts you on hold with no hold music. It's like you're calling the HAL9000 with no hope in site. There are no options on their website to do a loan payoff so you have to call them and their call in system is terrible. They have no way to contact them. I will likely go down to their physical location out of desperation. I will not use them in the future ever and will share this experience with everyone I can in town so they don't have to stumble through this quagmire as well. read more

I have my business accounts with Gesa and they are great!!! Great customer service and great relationship with my business banker.

My experience in trying to send a wire stunk. My wire took three days, and was DENIED. Reason given was we can't verify information given. WHAT? Would not tell me what can't be verified, Really. I know that the reason was I passed o9ff Shara in wires and would not tell her what it was for. I said that is my business, not yours. I. have banked there for over 10 years, and previously for several years. Where does a bank get off not approving a wire to a light address, money in bank, and need to know what it is you are buying. Liberal culture, where people oversee your light transactions and make their judgement Privacy is dead.. read more

This bank is garbage. Late fees, interest charges when the balance is fully paid, impossible to get on the phone. I was with WSECU/Inspirus since 1987. They were wonderful. GESA... is a poorly run sh**show, dead set on getting as much money from fraudulent fees as they can get away with. The website is primitive at best. NO 2FA. How can a bank claim it's a secure website without 2 factor authentication? Why don't they spend part of the self-aggrandizing 11 million they are spending at WSU for their name on the 50 yard line to secure the website? Take a moment and COMPLAIN TO THE ATTORNEY GENERAL; https://dfi.wa.gov/node/1160/webform/file-credit-union-complaint-form Gesa Credit Union 51 Gage Blvd PO Box 500 Richland, WA 99352 509-942-6121 888-946-4372 Fax 509-943-3679 www.gesa.com(link is external) CEO: Don Miller read more

DO NOT BANK HERE! They are AWFUL! I first started banking with Inspirus Credit Union when it was School Employees Credit Union of Washington nearly 20 years ago. I was a loyal customer until..... they switched to GESA. This transition has been an absolute DISASTER. The customer service is awful. When you try call you get sent to a call center where they put you on hold for HOURS! The bill pay setup is horrific! It took my mortgage company a week to receive a check.....resulting in a late mortgage payment. NO THANK YOU! I'm taking my money to a different credit union that cares about member relations! It's really too bad because SECU WA & Inspirus were really good small credit Unions that provided excellent customer service. Did I mention that they AREN'T CO-OP? I didn't even know there were credit unions who exempted themselves??? This credit union feels like a slimy bank. I'm DONE! read more

Simply the worst customer service I've ever seen. Since the take-over of Inspirus, I have tried to get answers to some issues with my accounts MANY times. GESA does not answer the phone (I've been on hold for 30 minutes + many times, with NO indication that I'm in queue or wait times), nor do they respond to secure messages sent online (I've sent a half dozen over 10 days asking for a call back)- no reply. I do much business online, and GESA is simply the worst. I've been a customer of this credit union, through many changes, since the mid-70s- it seems sad that I should have to drop this account now, but what options do I have if "nobody's home" to deal with customer concerns? read more

I signed up for the School Employees Credit Union (name later changed to Inspirus) and have had nothing but headaches since GESA took over. Their customer service people don't have the power to take care of any account issues, and apparently their CRM sucks so much they don't have visibility into what people who are following up on stuff is doing. They say it's because "we get hundreds and hundreds of requests every day"... I don't care. I care about my request and why it can't be handled as efficiently as it was with Inspirus. read more

As a former School Employees Credit Union, then Inspirus, then Gesa member, I can honestly say this is an unprofessional institution and a risky place to put your money. The merger of Inspirus into Gesa has been an absolute nightmare. Transactions posting weeks late, missing cards that showed up to an address we hadn't lived at in TEN YEARS, at one point all our transactions were showing up as personal checks. At one point our checking account "disappeared". I called about it and they said "uh, you have a checking account? All I see is savings." Great feeling when your rent is due. With all this chaos, it'd be a great time to have all those awesome Inspirus folks who used to help me when I'd call for support. Too bad they fired them all. Now they're hiring 50 people, and every call for some random issue caused by this sloppy merger takes an HOUR. SECUWA and Inspirus would NEVER have pulled this kind of abusive garbage. Sad to lose an old friend, but I'm out. read more

Gesa Credit Union has failed miserably with the merge of Inspirus. A payment was processed during the period of the merging for my mother's credit card that she had with Inspirus - we found out days later, once the new statement arrived, that it had NOT posted, and a late fee was accessed. My mother contacted Hapo, where the payment withdrew from and they sent us all the information confirming that Gesa received the payment, and that it posted - Gesa has refuted this, has said it's not their issue and that it was Hapo's problem (this is untrue) - after 2 separate calls, from 2 different representatives, totaling nearly 4 hours of phone time they reached the conclusion that it wasn't posted, nor received. I called again today and the person who took the call said, "oh! yes - everything is fine. Payment posted, there is no fee - you're fine!" um, that's incorrect given that we have proof it wasn't posted (a notice was given to my mom and the late fee was assessed) We were given no answers as to why there was conflicting information; we were told a "different department" will be in contact in 5 business days - I asked for the direct number and I was told it was non-existent; I explained I my mother did not feel comfortable answering different numbers that called her phone, and the person said, "just keep answering calls until someone asks for your information to verify yourself!" I WAS SHOCKED. ARE YOU KIDDING ME? IN WHAT WORLD WOULD IT BE A GOOD IDEA FOR AN ELDERLY PERSON TO GIVE THEIR PERSONAL INFOROMATION TO AN UNKNOWN NUMBER TO VERIFY ITS THEM? I AM SHOCKED. This is such poor business ethics and behavior; Don Miller if you are reading this you had a good year to make sure the transition was swift, and your team failed miserably. There is no consideration that this credit union holds peoples information, money, credit, etc - and to dismiss very valid concerns shows how terrible this credit union is. Please take your business elsewhere. I plan on leaving this institution. TERRIBLE PLACE TO BANK. read more

Worst bank to deal with I have ever had, not even gonna waste my time explaining why. If you choose to bank with them good luck. If you bank with them switch! If I could do negative stars they would win that! read more

It's been about a month since my former credit union (Inspirus CU) was bought-out buy Gisa and the transition was incredibly, incredibly painful. I figured it was just a case of very poor planning and execution but nothing has improved. A whole month later, THEY STILL DO NOT ANSWER THE PHONE, which is a unfortunate and telling sign that they don't care. Frankly, it's unconscionable and I really don't have time to search for and open a new account at another credit union; but I'm going to start looking. On top of that, their website is at least two steps backwards from Inspirus CU's website------and that one was very basic-------------but it allowed you to navigate around and transfer money easily. It's sad to be on the receiving end of this type of (unhealthy) credit union behavior. read more

Inspirus was recently taken over by this unsuccessful credit union. I'm in Western Washington, they are in SE Washington. While I like the tri-cities, its not necessarily the financial capital of the world. And GESA has proven this in spades! My wife and I had separate accounts, suddenly merged into one because??? Their transfer of data ended up with addresses and phone numbers from 20 years ago becoming the defacto for our account. Credit unions used to be the "for the people" bank, but it is clear that they can be bought and sold to idiots and you have no control. Get FAR AWAY from these idiots! read more