I opened a checking and savings account with Kinetic CU. The lady I spoke to was very pleasant, helpful and professional. At least that is what I thought at the time. Cut to a month later when I got my first Credit Union statement in the mail. It all seemed fine until I saw that they charged me about $5 in my Checking Account. Now, when I opened the accounts, I asked what the minimum balance was to open it. I was told $25. Of course, I called Kinetic to find out what the fee was about, because it was labeled "Miscellaneous". After being transferred about three or four times, I spoke to a representative that told me, Kinetic charges a $4.95 fee every month for any checking account below $3000. I couldn't believe this. I was totally amazed. First that I was being a charged a fee for having more than he minimum balance, of $25. Secondly for having to have a minimum of $3000 to not have a fee charge at all. This is supposed to be a Credit Union for local people who are just starting out in the Columbus. Or where this is their first checking or savings account. Who puts $3000 into their first banking account? Plus, if that is the case, shouldn't that information be told to patrons, or at least on the paperwork. read more

Stay away! You can never reach them! They only want your money! Never mailed a statement but charged a late fee and won't take a month in advance payment. RUN!! read more

Kinetic Credit Union's payment options are beyond complicated. You cannot see the remaining balance on a loan or what is owed, even when you log into their website with an assigned username and loan ID. We bought my wife a vehicle and financed through the dealership. Agreeing to business with this company was a mistake. When setting up auto-draft payments on their website, you have to select the time that the loan will stop paying, or an option "until I cancel payment". I don't know how much I have left to pay without calling. In this day and age, this is a garbage company. read more

Kinetic is the worst credit union,and their employees at the location at 13th street in columbus ga are not only unproffesional,they are extremely rude.Girl with last name of smith that was in the front was the first rude person ,she takes my drivers license to Valeri cobitt is who I came to see,so this girl goes around the wall and I can hear them whispering about me making derogatory comments.After a few mins some lady comes put and the smith girl comes with her and I'm told Valerie still will not talk to me,and I said I had some more info to show her this elderly woman said we'll I can tk it to her.I told her no cause it had my uncles personal info on it.So I then said it seems I need to see a lawyer she then said go ahead and do that.I would like to speak with someone who is willing to actually talk to me not at me. read more

I came to Kinetic Credit Union because I was looking for a better auto finance than other institutions were offering. I was recently widowed and needed a little understanding and help. Kinetic came through. The loan department demonstrated knowledge and professionalism. This loan has come and gone. Many years have past. Somewhere in all the growth and expansion over the years the title was misplaced. Still waiting and watching. read more

I just spent an hour trying to dispute 2 charges on a card. First, I couldn't get through the automated system, and then I was shuffled around until I was overseas. This after my husband spent a good part of the morning dealing with them until he was ready to blow. This used to be a good, easy bank. I knew they were going down when they took money from my mom's account to cover another account that she wasn't connected to that they were going down hill. I hate that switching banks is such a pain. I hear everyone complaining about their banks. read more

Constant issues with Kinetic and our auto loans. We have used them in the past and had no issues then. On our current auto loans we have had auto pay set up since the day we drove the cars home. Several times now have they applied the auto payment from my car to my husband's, then contacts me saying mine is late. We have not changed or touched the autopay since we set it up. we call and they blame us saying we paid it to the wrong car. They're rude on the phone, and mess it up, it's a constant battle. My statement even says that it's a correction due to "customer" error. We paid a large chunk of my husband's car off and it pushed the next due date pretty far back, but we were still adding to the principal. Now that date is bumped up due to them applying my payment to his car, then them having to correct it. This bank is a total cluster and we will never finance with them again after these are paid off. read more

I just want to say I have no problem with kinetic at this moment but , there is a security bank agent in the Columbus Georgia branch his name is Randy a real coward I will get his last name and come back and add it to the review. I had a dispute that was cleared for $3400, and it was connected to the cash app breach its no secret that cash app is having to pay people . Well when I completed the dispute kinetic said when you get yourself to a good computer and look over things if there's more file another dispute see . So I did was put on hold because it was close to Christmas and being the transactions were broke down in to multiple and being they come thru cash app it was past around and before you know it 2hrs have past n hold next thing I know Im going to get a return call I'm mad but ok ...all morning waiting I let them work on it because they wanted me to go to the branch after waisting my morning and lunch never received the call back so later that day I call and leave a rude voicemail. I admit that I'm not liar like Randy is about to prove he is .....the next day . But that night I call a guy who handle what I spent a day doing with day shift he did in 10mins . So being I was so rude about my $. What person is not . Very few when it's missing and you have people like Randy in Columbus,ga security banker . retaliation expert . Putting a account in the negative for my rude message about my money. Is that legal cause I was told by him that the overnight negatives was because the first dispute all transactions wasn't caught up yet ok he is a bad liar it had been weeks ..but I said nothing.we excused each other I told him I was rude on the message because the banker to that extension never called back and knew I was a case that was missing money it was Xmas time and bankers have thick skin because people and there money I'm sure I'm not the only Black guy that can't be ill about his $ cause randy seems to think so . And he didn't look at my account good either .. after calling card services, all disputes was paid on the first $3400 that I already received and they said Randy is just Wrong or I call it lieing..so he sabotage my account days before Christmas. I called him after having to have my family do with out on Christmas but during the 48hrs I did my home work and the second dispute was started and there was not to many transactions that I was stuck like Randy said it's 1claim with multiple transactions under 1 name . So day after Xmas I call the bank . Note he thought I was the 49year old black guy that I assume was denied books because I told him on the first call I wasn't as good as him on computers ...ring ring...... kinetic bank ........yes Mr Snider hold on ............now I don't think Randy is my personal banker but he has my account flagged to report straight to him ..if called at the bank . But that was stupid because the lies he told was on card services who not only proved the lie that visa woud not refund anymore at the moment they started the 2nd dispute and payments for that dispute was all ready being made to my account. Ok Randy picks up .Mr Snider I thought we settled this I said No you thought I was just going for your lie No no no he said I told you visa wasn't making anymore payments on your missing money ...I said yours lie because I spoke with them and not only are you lieing they are on the account know but you got a negative hold on my money ...... No Mr,Snider , I said Randy the negative cant be possible because I have no transactions sense the new card that matches the money that money is my dispute money No no I told you all the transactions under that first dispute didn't clear .....Now is were Kinetic needs to see Randy is bad news and illegally messed with my account because,,,""""" I said Randy if you look all the first disputes transactions are the same person , same name , same everything so one can't be no good if so they all are no good ....he never look through all the transactions he assumes they were not all under Dejon king ....or to be honest I think he just was realizing he was caught....cause he hung up in my face ....on recording and thats a supervisor a guy that is looking down on me about my $that i was rude about because no return call for 24hrs .....now what's his excuse for the attitude the breaking bank laws and messing with my account and money ...it's now 2days after Christmas and nothing no word from the abuse from kinetics top security worker who is illegally held up my $ read more

I want to say I have never had the customer service that I have had with this credit union. By far they are number one in customer care. First michelle at the Lakeside location was awesome in answering all questions and even helping us open a money market savings. And Cindy on the teller side is awesome. This is the second time I have had Cindy as my teller and she went way beyond her role as a teller. Michelle also went above and beyond her role as a member advisor. read more

professional additude, technition shared product knowledge and the customer service was focused on chief concern with the service.

Total liars and crooks! I lost my job and we made a formal settlement agreement. They continue to target my credit report showing a monthly charge off and late payments for a year now. AVOID THESE CROOKS AT ALL COSTS!!! Total liars!! read more

Kinetic Credit Union - Screenshot of illegal and wrongful credit reporting! This was settled over a year ago! - Banks & Credit Unions Near Me - Columbus, Georgia

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When I call, I have to wait on hold for a very long time. Add that when I do get a person to talk to, they are completely monotone and do not sound very happy to be helping you. It sounds like they are always in a bad mood...not very good customer service. Also, many years ago, I made a final payment for a car loan. I asked them to give me the amount and I wrote the check. I accidently left off ONE penny. I did not even realize it. I started getting past due letters on the ONE cent that was left on the account. When I called them and asked about it, they made me pay the one cent. Can you believe it? I paid off a car loan and they would not give me the penny. It was obviously an error on my side, but please...where is your customer service? I had to come into the bank for that! read more

Today l Signed back with one of the best banks, I've been with so far. I didn't know about making an appointment as I say out of the bank. I was able to call set up a appt. and within 10 minutes a nice representative called and accept my appt then and there. Now When in college early 20's, I was irresponsible and messed up my account, Long story short paid the charge off and open an account all within 20 min. COVID pre-cautions were taken seriously and I felt safe while opening my account. Love the perks and offers they have as well, glad to be back!!! read more

The process was a little slow at first, but I understand, I'm not the only customer..but it ended up GREAT!!

I really dig kinetic! I've been wanting to switch to a credit union ever since the Wells Fargo/Standing rock and the BOA drama, and finally did! I like that I know that my money is staying in my community and not finding any big business corruption or politics. Upon entering a branch for the first time, I was kindly greeted by a customer service representative. I was really surprised at how nice and modern the facilities appeared as well as the various benefits of being a member of the credit union. The only reason I'm giving 4 stars instead of 5 is because of the technology. I feel the app is super dated, especially compared to bigger banks. It's kind of annoying and being someone who enjoys online banking, the app really sucks. read more

Can't say enough good about my experience! Michelle, Tina, and Nathen were all very helpful to me. I'm looking forward to working with Kinetic in the future because of representatives like them. read more

Stupidest bank ever. They only accept payments in cash for your loans. So even though I live in Atlanta, I have to drive down here to pay it. The "due" balances on their app are off due to "daily accruing interest" which you can't contest even when you're trying to pay off the balance completely. To top it off, all of their transactions are through an awkward Skype chat style monitor where there's a weird lag between you and the teller. I'm all for tech banking but if you're going to do it, do it better than this. Smh. read more

I would like to thank SANDRA GARRETT at the midla branch for all the help she gave me and she was so sweet and patience.

Kinetic is the worst credit union I have ever dealt with. My loan was due on the 4th, I went to pay it on the 4th, but come to find out, this bank pulled money from my other accounts that I had with them to pay my loan that wasn't even late. We were never told about this "service " and my loan wasn't late. Also I have called multiple times to get my online password reset and refuse to do so. Your phone bank employees are extremely rude, and working from home is not working for you guys, it took 2min for your representative to answer my call after she picked up the line. Your credit union really needs to do better. read more

Kentic is a fraud bank they allow people to charge things online with out putting the correct billing address. When you dispute the charges they tell you theres nothing more they can do its up to the company where your card was charged if they want to take responsibility for it then you will get your money back. read more

I received a phone call telling me that I was $1.04 short on my last bill and would be charged a 30 dollar late fee. I paid the $1.04 owed and received a confirmation email. I called back the next day to see if I could get the 30 dollar late fee removed and was informed that my payment of 1.04 wasn't received. I gave them a confirmation number, the email that was sent to me and the employees of kinetic still couldn't help me out. So after spending over 2 to 3 hours dealing with $1.04 cent I decided to pay them twice. Went to the bank got 2 dollars cash and went to one of their little COVID infested terminals and paid. Crappy way to treat customers with the pandemic going on right now. Can't wait till my loan is paid off that way I never have to do business with these people again. read more

I had a very pleasant experience with Michelle today! She was able to open me an account with ease. Highly recommend this credit union to anyone! read more

I have nothing but praise for Kinetic. I have used this branch and the one on Veterans. I have a little boy that they love to see and get hugs from. I even get into trouble if I don't bring my little one. The will watch him while I do what I need. He knows where the suckers are and they are always willing to give him one for each hand. read more

Horrible, horrible, horrible customer service. The website is awful. The customer service is awful. I've been trying for two weeks to make a car payment and now its one day before the payment is due and I still can't figure out how to do it and customer service this far has been no help. I'm not putting money in their checking account in order to make a car payment. I didn't authorize them to open a checking account in my name yet, I seem to have one. How did that happen and why? What a joke. read more

I stop dealing with this credit union and moved my money and business to another credit union. I had a car loan with them, and I couldn't get a simple personal loan with them, how you approved me for almost a 30k auto loan but couldn't approve me for a $2500.00 loan a year later after I had never missed a payment on the auto loan? Look like I would have established a great relationship with the company. On top of that I know of some people who bank with them, have loans, credit that hasn't been paid on time but yet they still extending offers to them. read more

Horrible customer service, woman at front door horrible customer service skill nasty disposition after interaction, that's why I would never bank with this institution again... read more

If i could give it 0 stars, i would. I have been with kinetic for 19 years and they are getting worse instead of better. There have be several times where incidents have happened that i can't get to my money and it always happens over the weekend, when they are not open to take care of it. The only reason i have taken so long to change them is because i have been afraid of issues with my direct deposit being transfered to a different bank, but if it happens that is just something i will have to deal with at this point; i am done with them completely come monday morning. Why in the world would a military bank be closed on saturday? read more

This Is Probably By Far The WORST Bank Ever. How Are They Able To HOLD Your Money Because You Supposedly Owe Them $50 On Your Lease. I'm Withdrawing EVERYTHING As Soon As I Can Get Access To My Funds. I'm Going Back To Suntrust read more

Kinetic took over the MEA FCU a couple of years ago. At that time we had an active checking account and a car loan. We no longer had a savings account and the savings accounts for our minor children were Also cancelled. Kinetic took it upon themselves to add our children, who no longer lived with us, to our checking account. They took money out of our checking to open a savings account, that we no longer had or wanted. On top of that they started pulling out the car payment out of our checking without approval. The payments were not past due and the time limit given before incurring a late charge had not past. They had no regard to the fact that they were deliberately causing the account to bounce and incurring additional charges. The Kinetic FCU refused to remove our children from our account without them travelling to the same city and state location to have them sign a form to remove them off of our account. At this time we were going to pay off the car loan on 4/11/19 but on 4/9/19 they pulled the payment out of our checking account without authorization. Kinetic FCU is an awful place to do business! I wouldn't recommend ANYONE to put their money there. We are pulling out our business with Kinetic and would advise others to do the same. read more

These people do not know what they are doing. I went in (Phenix City location) and asked for a cashiers check, the teller said ," why do you want a cashiers check just get a money order? It was none of her business why I wanted the check! She proceeds to make the "cashiers" check out. I asked her why she was making it out to me and the other party? They didn't seem right and isn't what my other bank did just two days earlier. My name shouldn't have been on it. That's just what we do ." She said. It did not say "cashiers check" on it anywhere so the other party wouldn't accept it and I had to go to my other bank and get the correct kind. I returned here and was told , "that is our cashiers check." The next day I needed a letter from them stating I had funds available for a cash transaction. The manager at a different branch didn't know what I was talking about! My other party had to call them and tell him what to do! Hate their teller kiosks - no privacy, hate their casual jean and t-shirt days - unprofessional. I am finding a new CU ASAP. read more

The ABSOLUTE PITS!!!! Customer service via call in is very short and unwelcoming. Called in to request a waiver of a overdraft fee considering the holiday. I wanted to get funds in prior to the autodraft that I had forgotten about hitting my account. Due to the holiday I couldn't go to the banks, so I deposited a check in the atm. It showed the deposit of the check the day before the draft hit but they refused to waive the fee starting the funds weren't available. I have NEVER asked them to waive a fee for me in the 20 plus years that I have banked with Kinetic (formerly TIC). This just seemed unfair. read more

I've had nothing but problems from day 1. Kinetic "won" my car loan, which means that's who the dealer chose to go with. They assign you a loan account and a savings account. You cannot pay with any other account or method other than funneling money into the savings account or going in and paying in person, or else you will pay "convenience" fees. It was suggested by the bank manager that I could use something called "Pop money," but even she couldn't get it to work. Months later, their IT people have not gotten back to me. I'm "not eligible" to use bill pay, because I don't have a checking account with them. Fat chance of that ever happening. So, I went through the pains to set up the direct deposit, just so I could pay my car loan. The website is constantly broken. Your password works one day, but not the next. The site crashes while you are using it...and on and on and on. I will be dropping these folks like a hot potato as soon as I can transfer the loan. Never again... Update: 5/10/17 I responded to Kinetic's personal message requesting my contact information on 5/1/17. I provided my information. That was 9 days ago. No one has even attempted to contact me. Update: 5/1/17 It has now been exactly 1 month since I replied to Kinetic's request for my contact information. I have not heard one single word from them. Yep, they're real anxious to remedy the situation. If I could rate negative stars, I would. Moving on... read more

Charge a bank fee of 5 dollar a month, unless you have 3,000 in your checking account

I have been a member of this credit union for 30 years and I also opened account for my 2 children. My adult son still had my name on his account and he disputed a charge. They did an investigation and then told him there was nothing more they could do so they reversed the credit of the charges. Which caused his account to be negative $110 dollars plus fees a told of $159. After 45 days a customer service representative called me on the phone and she told me she was trying to get in touch with my son to bring his account positive before they close it and charge it off (but didn't tell me that they would be removing all the money from my checking account). I called him for her. Now my problem comes in that my name is on both accounts so they removed the money from my account and caused my account to overdraft but still wasn't enough to pay his account in full so they still closed it and sent $44 to a collection agency. So I called in wanting them to reverse to over draft fee. I explained that the In my opinion the representative should have told me that she was going to remove money from my account while she had me on the phone and I would have made sure I had enough to cover it and my transactions. So I wanted the fee removed. She said they would not remove the fee because I was supposed to remember that in my contract from 30 years ago it says they have to right to remove the money from my account to bring any account with my name on it current. So I decided to close all 3 of my accounts due to their poor customer service. I go into the kitten lake branch and request the representative to close all 3 accounts. She consults, the manager and he says he will not reverse the fee because I was closing the account but if I leave it open he would reverse the fee. The level of customer service at Kinetic is at an all time low. There are no perks for being a long term member and to add insult injury after I brought the account current they didn't even reverse the overdraft fee. I had to call in and ask them to do it. Customer service seems to have gotten worse since Kinetic took over.... I am over it, too many other options. read more

This is not a company. One should wonder why they took the federal out of the name. This company lies and steals. I've personally spent the last ten years unable to purchase a home due to the lies. They bring you a check they print out for you to sign and hand right back to them when they mandatorilly make you purchase a GAP protection for a vehicle. I had my business checks there with me at the time of the purchase. GAP is a safety net for what the insurance won't cover if vehicle is stolen. I searched for the stolen vehicle for a couple of months and went ahead and filed the claim. Geiko rocks and paid the larger chunk. When it came to them paying the GAP they denied it. I paid 300-400 $ that they made mandatory, and they denied it. For a silly reason of you have 30 days to file it. That's not all. I had hard time finding insurance for the vehicle (motorcycle) as all wanted 500 a month but I found geiko. I'm not advertising for them but I must say they were awesome. Tic federal credit union (now kinetic) also had me purchase an insurance policy through them. So i had geiko insurance. The insurance through them and a GAP protection. I went in and paid back balance owed as I was going to wait for insurance to cover and asked several times is this all we owe on this motorcycle with you guys. Of course after the insurance paid. They said yes. I asked again. They said I was correct and nothing else would be owed. Haha. Liers. Wife and I work. Busy. Busy. They take it to court. We couldn't go. So we've suffered the last 10 yrs from being lied and stole from by this company. We have yet to purchase a home due to this bad blimish on our credit. But I cannot leave this what I say without the truth of an ending that will tell the world they are thief's and liers. I'm a business man. I keep every single receipt I ever receive. Yup. I have a mountain of boxes with 100s of thousands of receipts. It took me years and moving to find the stuff we received and forms of the whole event. I have to say I met another rider (motorcycle) that the same thing happened to them. Oh yes. I found papers. And there is no such thing as a 30 day policy. That makes no sense anyways. The insurance paid them when the claim went through. So the 2-3 months i searched for the motorcycle didn't really constitute a 30 day must do something or GAP protection is lost. So happy to say again. Found the papers and am so upset of this lie and theft my wife and I had to accept. Papers and receipts do not lie. This place is about to learn what stealing and lien does. Lesson. Keep your paperwork and receipts. Oh. They can say they never said a 30 day policy. This is true. But what kicks that in the butt is they took it to court as unpaid which fact is. They screwed themselves by doing that. It shows there was a remaining balance on the vehicle. When the GAP was mandatory to have by them, and the other insurance. Let them explain why they sued us for a remaining balance on the payment they were to pay. This created hell with my in-laws and our chances on buying a house. This is going to be so much relief to put there lies and theft into the public eyes. Don't deal with this bank. It's full of it. They take advantage of the powers they think they have. read more

Worst bank to do business with!!!!!!! Try to make payments over phone but can't being that we moved to another state that doesn't have kinetic so we are hours ahead and they are closed by the time we can call, they tell me to go online and set link my bank account from NFCU to do online payments but they won't help you set it up at all, refinancing and going to someone else kinetic is garbage!!!!!!!!! read more

Great bank "if you like them to lose your money and put you in collections." I have been with several banks and this is by far the worst. I have been with Kinetic for about 5 months and have had many problems. First I used their "Switch Agent" to make switching my bills easier, big mistake. After wasting a day filling out info on their website they never switch most of my bills causing me to go in to collections. No one ever called or email me to follow up as promised. After straightening out that mess out myself, I received a notice about 3 months later from one of my credit cards saying I was in collections. I had an auto monthly payment I set up myself with kinetic. I checked my online bill pay and it said the payments were sent, but my credit card company never received the payments. After a couple of calls and a couple of hours at my bank they could not tell me where my payments went. They actually asked me for the account and address I put in the bill pay, they could not look this up for some reason. They asked me to email them the info when I got home. I called a couple hours later because I could not find the email link. They told me I needed to contact their 3rd party bill pay company. So I called them and they told me to call my branch back. I told them to forget it, this is not worth the $30 they lost. A few days later my husbands bill pay account was blocked because his checking account dropped below zero for a couple of hours. I immediately transferred money to cover this but the block remained and we received no notification, only finding out when he went in collections for bills unpaid. I have since switch all my bills to pay through a credit card while I frantically try to find another bank which my not be possible until after I move in 4 months. read more