I have been using PSECu for over 30 years. They are competent and very organized. Each customer service rep, bank tellar is friendly and helpful on the phone. Also, I had gotten a ortgsge from them for one of my houses and they were thorough and good to work with. I paid that mortgage off faster than needed and it was a pleasure working with the, on that. I recommend PsECU to anyone who needs any banking needs. read more

I closed all of my accounts after nearly 28 years. They've made banking impossible with their ever changing policies for mobile deposits. They reject checks that are literally $100 because my married name was used instead of my maiden name. While I endorsed these items with both names, it's never enough and is often rejected. If you didn't use the exact phrase that they prefer in the endorsement, it's immediately deleted. They won't let me deposit checks for my minor child into my account. Customer service has become confused and indignant. There are now long wait times and no one seems to care at all. I used to rave about my experience at PSECU but not anymore. Many of my family members have experienced the same treatment. Being treated like a criminal instead of a loyal customer. Never again... read more

Today was the last straw. Because PSECU doesn't allow you to perform a wire transfer online, I called their 800 number. I talked to three people and had to prove who I am by verifying my account information at least four times. All went reasonably well until the last step, which was for me to receive a call from a final representative who would verify again the details of my account and the wire transfer. When the rep called, I verified my account info again, but then she began asking probing questions into the reason for me transferring the funds. I had already provided a brief reason to the other reps, but now PSECU wanted to know more. I provided more detail, but was also clear I didn't think it was any of PSECU's business WHY I was transferring funds. But then she wanted me to send documentation of my reason, to which I refused on principle. So, PSECU refused to conduct the wire transfer. BTW, the amount of this transfer was less than the amount to which you can raise your spending limit on a daily basis. That's it. I'm done. Based on this ridiculous experience and several others recently, I'm moving my money elsewhere. They are generally good on the basics, but anything beyond that is a horrendous pain in the a**. They have become ridiculously overbearing and process oriented. Time to move on. read more

Denies promotional bonus to personal checking customers based on invalid residency status. No correction even after depositing all documents and denied. read more

The rating is accurate! It's nice to have options to link separate accounts... if you want to! They have made it mandatory!!! No option... why have separate accounts? I don't want them linked! Poor service! Give me an option read more

I called 1/12/26 and requested info. on a Direct IRA transfer request. I felt the person I spoke to knew little about IRA rollovers vs. Direct IRA transfers. I contacted them on 1/21/26 to say I had not yet received anything. They said it was mailed out on the 16th and would take 7 days. Today is 1/29/26 and I have received nothing. Based on the number of other poor reviews, I am not alone in thinking providing their best member service days at PSECU are long in the rearview mirror. I had to post a star. If zero stars was an option, that's what they'd received. read more

I've been a member here for 25 years. I used to love them but a recent experience completely is the last straw. On saturday I got hit with Fraud. They notified me via text, email and phone that fraud was occuring. Great - I cancelled my card, confirmed the charges were not me, and I went about my day. On monday I reached back out to see when I could expect my new card. They said no card had been requested, just that my last card had been closed. So... they closed my card, but didn't issue me a new one. Ok, a bit annoying but not the end of the world. I requested a new card. Now wednesday, I see that the fraud had gone from pending to processed, and none of the charges (almost 1k) had been stopped or reversed. Chat in again, only to be told that no dispute had been filed, and i would need to dispute the charges in order to be refunded and it could take up to 90 days to get my money back. So they flagged it as fraud. Notified me that it was occuring. I confirmed that it was fraud. And they just closed my card but did nothing to stop the actual fraud from processing. I use both Chase and USAA as well and PSECU and I can tell you that either of those banks would have taken care of this the right way. I will not be banking with PSECU any longer. read more

Their website is a pain to use. I have now been forced into 2-factor authentication which either does not work or is annoying. I have the choice of email or phone call for a code (keep in mind, like everyone else I already have a distinct username and password). If I choose email, the email never arrives. Like NEVER, not even an hour or day later. I have checked spam. I have changed the email address to use and it still doesn't come. So I choose phone call. This is not a text, it is a phone call with an annoyingly long message before you are given your code to allow you to finally log in. Oftentimes their website is not working correctly. Sometimes the system will just suddenly log me in without the code. I have complained about this and all I'm instructed to do is clear my cache and delete history. These things are not what is wrong with their website. Which is a problem since they have gone mostly online and their branches are not convenient to visit. read more

Been with PSECU over 20 years, they use to be a great credit union, they cared about their members. In the last 8 plus years they have declined significantly. They are not a place that has any concerns for the members. Take your money elsewhere!! read more

I needed help with the title for my car and Theresa in the car loan department went above and beyond to help me get my problem solved. Its the way customer service should be. read more

PSECU is the classic example of zero corporate accountability hidden behind non profitability. Their mortgage department and user platform must be run by incompetent dolts that were hired by having insider connections versus competent experience and credentials. The most basic function of paying additional premiums is archaic and near impossible to achieve. Congratulations on being paid for poor outcomes, poor service, and lack of basic competency. read more

The decline in customer confidence in PSECU continues and I'm really fed up with them. On June 19, 2025, it became impossible to do business with PSECU due to a "problem with online services." I called in to ask about something else and th4e waiting time was said to be 19 minutes. Really? The automated voice offered to have PSECU call me when my place was reached in line. I opted for that, but PSECU never called back. Ten days ago I called PSECU to ask for a Letter of Account Confirmation. The young lady had no idea what that was and left me on hold. When she returned, she said it would go out. The promised letter never arrived. In the afternoon of June 19th I spoke with "Alex" at PSECU and asked about my requested "Letter of Account Confirmation." He said it had gone out but would send another and asked if I would pay $10 for overnight delivery. I agreed. PSECU charged my account $10. Today is June 20th. The "overnight" Letter of Account Confirmation has not arrived. Today being "Juneteenth," PSECU elected to be closed. Today is not a bank holiday. So much for PSECU... What has happened to this formerly great credit union which I joined 15 years ago? PSECU is not trustworthy and does not merit confidence. read more

I had a very frustrating experience today. After nearly one hour on the phone, and speaking to 3 agents including a manager, they were unwilling to deposit a pending payment into my account. They gave excuses about how the payment was sent, yet it's "pending" and PSECU sent me a text 2 days ago saying it was received. I've been a customer with PSECU since 1993. It's sad to think that the agents could only behave like computers, repeating the same excuses, instead of solving the problem and delivering actual human-to-human customer service. read more

Humiliating and Incompetent I am an experienced and well-funded retiree who applied for a principal residence in PA. With $150,000 annual income, $4 million in debt-free properties and a credit score above 800, I was (foolishly) confident to be approved for a 240k loan. After submitting 2 years of tax returns, it became immediately obvious that the underwriters had no idea how to analyze them. Admittedly, my tax returns are complex: Various real and financial assets with different depreciation schedules, capital gains, etc. Right off the bat, the underwriters questions informed me of their incompetence in understanding basic capital gains, and real estate income/expense calculations. Each time I explained (in detail) they came back with more irrelevant and uninformed questions. Luckily I withdrew my application before they could damage my credit. I applied to another lender and was APPROVED IN 4 DAYS. if you value your sanity, STAY AWAY FROM THESE FOLKS! read more

Absolutely awful customer service. When I have a check where the MICR numbers are clearly readable, but the app OR ATM doesn't accept it, it should go to a queue for review where an actual human reviews the check image. PSECU refuses to do that, and instead makes you drive in person to the branch wasting gas, time and mileage on car. If you're only going to have 2 physical branch locations (both in Harrisburg), yet PSECU members living all over the state, at least have a review team to review these checks which get rejected, otherwise loyal members have to drive massively long distances to get to the Harrisburg branches. There is a deposits team, but the customer service rep refused to transfer me to them. They're just very lazy. read more

Worst company ever. I signed up for a $250 promotion to refinance an auto loan. Once it came time to pay the $250 PSECU said I didn't sign up correctly and they denied to pay the $250 bonus read more

I usually don't take the time out of my day to complain about a business but, today I made time. By far the worst experience by a member funded credit union that I've ever had. The minor concerns with this business are their phones lines and lack of accessibility that keeps a credit union personalized. The main point being though that I called in to take preventative action in being behind and was told that my hardship did not qualify as hardship enough to have assistance. I have never heard such nonsense in my life. I work for a credit union and when signing loans, we always ask that before our members get behind to come to us. Talk to us. See what we can do to not default the loan or impair their credit because the MEMBERS are important. My falling behind on my bills and possibly not being able to pay the loan (impairing my perfect payment history and credit) did not matter when it concerned this credit union. Made me proud of where I worked and disgusted of this business. read more

In the beginning of the month PSECU folks posted about Pride month on Facebook. I commented on that post, telling them they should just focus on banking. Since then they have frozen my deposits and increased the maturity date of a certificate I invested in. I believe these folks have become the dangerous SJWs. I have lost trust in them. I never overdraft or am late on payments. I apparently offended someone at this bank and have to be corrected by money management. read more

I applied for a refinance on my home on October 14, 2024. They made the process very convoluted and unpleasant. They would ask for documentation, and I would provide it. Then they'd find some issue with it. They couldn't use my PayPal balance because it doesn't show a running balance. They told me I needed to provide my bank statements from Carvana. I informed them that Carvana is a car dealership where I sold my car. They said they couldn't accept Word documents, so I taught them how to print to PDF. PSECU seems to be way behind the times. It was so much better just 10 years ago. After three months, I canceled the process and went with a real bank. They are the absolute worst. I will be closing all my accounts and never doing business with them again. read more

It is a real shame how unfriendly PSECU has become over the years. Like many others I am a long time member from the mid 90s. They make up the rules as they go and expect you to hop to their tune as if they are the only institution around. Sorry, I put up with the bait and switch on the auto loan interest but I am done dealing with the "courtesies". read more

Horrible. If you get paper paychecks, absolutely do not deposit them to your PSECU account. It will take so long to finally deposit that you'll start racking up late fees by the time you can even use it. I dealt with this and now my Fiancée is dealing with the same disgusting shit. Absolutely horrible. read more

I've been with PSECU for years. Until now, I've always been satisfied. HOWEVER. Today had a NIGHTMARISH experience with them! I can't access my account online because their log on page is frozen. When I FINALLY got past their robot & got a real person, a rep took all my ID & tried to help. She was unsuccessful so she transferred me to some kind of specialist for the tech nature of the (THEIR) problem. He told me to put my screen in private mode, then asked to put me on a "brief hold." I waited & waited. Then I got the robot asking me to push X number for this, Z number for that, etc. - back to square one all over again! This was after the SIXTEEN MINUTES I'd already invested in this nightmare! Think I ever got a call back? This is totally unacceptable, and it will be a TON of work to change banks after all this time. Will have to transfer all my direct deposits, enter all my bill payer info, etc. And, I can't even send them an email because "this site can't be reached." I was able to send this write up to a real chat person. She said she'll send it up to a manager, but doesn't when I'll hear something. Maybe a week. UNREAL! read more

Absolutely awful customer service. I have been a member since the late 1980's and PSECU was very customer oriented back then. Fast forward to 2024 and it has taken three weeks to get a replacement credit card because their fraud department didn't catch $7,500 in purchases. Their card services department has been extremely rude over four 45 minute phone calls. I am moving out of PSECU to a credit union that values their customers. read more

Some of their employees are very rude and some are not good at what they do. The deceased section is not good.

Terrible customer service and no branches local to anyone but Harrisburg. Worse interest rates on your money but often higher on loans than other banks. Go to a real bank, you'll thank me later!!! read more

Do not trust this bank! I have been with this bank since 2000, when I first started employment with the state. For years, I felt like this bank turned down everything I applied for, yet my friends with lower credit would always be approved. However, I stayed because it was convenient. Recently, I received a check from a family member that was returned. I covered the check from my own money immediately. Well, I went to use my mobile banking, and I was locked out of my account, so I called PSECU. I got a very rude and unpleasant representative who told me the bank has canceled my mobile banking and all ATM deposits because a year ago the same thing happened, and I was "counseled" about it. Two checks written to me from another party were returned in a year, and I was punished as if I wrote the checks myself. I also covered those checks immediately. Yet, this has not happened to other people I know who have been in the same situation. It's like they don't like me or people like me. Also, when I asked to speak with a manager, they put me through to voicemail, and they never called me back. A few weeks later, I called in again. This time the manager got on the line with a confrontational attitude. He was rude, disrespectful, and kept talking over me. He also stated a manager doesn't have to call you back if they determine your call is not relevant or important. I notice PSECU's level of customer service is the worst I've ever dealt with at a bank. Needless to say, I'm done after 20+ years of banking here. I'm going to a military credit union. Be cautious of this awful bank... better yet, don't even join this distasteful, discriminatory, and dishonest bank. Yes, they lie too! read more

I have been a member of PSECU since the mid 90s. This credit union has slowly but surely been declining in customer and banking services. One of the only reasons I ever stuck with them was because of their low auto loan rates. So this is a credit union that doesn't have to abide by the same rules and regulations as a bank and yet it has the same current interest rates as banks do... And in some cases, higher. So why does a credit union, who lowers its customer service capabilities, have the same loan rates as a bank while being customer owned? The only benefit you're getting from this credit union is free checking. You can't earn any interest worth mentioning on a savings account. I'm currently getting 4.4% interest on my savings at another bank while PSECU gives you 0.5%. So all of the money this credit union is making is being spent on itself instead of its customers/members. Take a look at their Form 990 for 2023 (https://projects.propublica.org/nonprofits/organizations/230961140/202332909349301328/full) Over $6.2 million per year on Officer salaries? Over $1.2 million a year on Officer compensation? Who has been doing the voting for officers and their salaries... The officers themselves? This is starting to sound an awful lot like Congress voting for their own pay raises while pretending they work FOR the American people. i've already transferred all of my accounts to another institution and aggressively paid off my new truck loan in six months just so I could leave. Goodbye PSECU! read more

Worst bank I've ever had to deal with. They are stuck in the past and can't reset your online pin without snail mailing it to you. It is 2024 folks. I cannot wait until my auto loan is paid off so I never have to deal with this awful place of business again. The loan rep was incredibly condescending and rude. I asked why when I make a payment over the phone it doesn't give my actual balance. She rudely told me that's just the way it is. Just STAY AWAY. read more

Do not recommend. Terrible. They will cancel your application then change terms and make you resubmit. Sketchy and will not be continuing with this company at all. read more

Easy to work with, very understanding. Mobile deposits work well and quickly. No complaints here. read more

PSECU is "lame" as a business supporting customers' needs. They rely on other banking institutions because they refuse to have branch locations (only have 2 - both in Harrisburg). * If you need a safe deposit box, have to open an account at another bank/credit union to have one. * If you need to withdraw money, you must find and use an ATM. Then if you need the money in something other than 20s, you must go into a bank/credit union or business to have them change the bills. They say by not having branches, the customers are benefitting. CD rates are not any different than other institutions. Guessing the "savings" are headed into the CEO's and other upper managers' pockets! read more

PSECU is holding my 18-year-old daughter responsible for a check that she deposited that turned out to be fake. They immediately cleared the check and then 5 days later said the check was fraudulent. This was after she was contacted by the company that issued the bad check, and they said they overpaid her and she needed to send back half of the money. So now, even though PSECU cleared the check originally, they are demanding she pay back the missing money. Their security department was horribly rude and disrespectful to her. They actually told her to get a job and pay back the money. Their customer service department was also rude and condescending and offered no help. We have made a complaint to the PA Attorney General's office. read more

Shut it down. It doesn't take care of it's share holders. 88 million dollars a year in salaries to employees.

I opened an account with PSECU. They ran a hard pull credit check just for becoming a member. Said it was for identity purposes as part of the application process. My credit score dropped 25 points ! When I asked them about this they lied to me and said they told me about the hard credit pull before I became a member. PSECU is a nightmare to your credit. I received no benefit for being a member. Feel like I was penalized for my membership. I'm still trying to recover from the damage done to my credit. read more

They are the worst bank - worst customer service, absolutely useless if you live outside of PA. I moved out of PA after college, and for 15 years, I've had issues whenever I use my credit card online or at a store. They decline the charge even though my address on file is in California and that's where I'm making the charge. Every single time. I since transferred my money and cards to Chase, but I still keep my PSECU open just for the heck of it. Very antiquated technology also. If they decline your charge at a store on the weekend, don't expect a call/your card to be unlocked until about Tuesday. Every other bank will send you a text/call immediately to confirm that charge is authorized. read more

The latest issue is their inability to get me a new debit card before an expiration date...its been more than 3 weeks now and nothing!! I call/email to no avail...just get 'sorry for the inconvenience'!! Any other notice from these people is here within DAYS! Less than two weeks from Christmas and no debit card...lovely...but hey, they're 'sorry for the inconvenience'!!!!! A brief timeline of their customer service: --told that a card was mailed on 11/25, it wasn't --told that a card was mailed on 11/28, it wasn't --told just last Friday that a card had been sent via FedEx...it wasn't Do yourselves a favor and ***STAY AWAY*** read more

significantly gone downhill, as others have stated. do yourself a favor and do your loans and banking elsewhere. most options are significantly better. I went with SoFi and I'm glad I did read more

They have begun using a third party to validate insurance coverage with their auto loan customers. The company, imcovered.com, comes across as a phishing scam. After confirming that this is a valid company, their website constantly froze when trying to upload my information. After calling and speaking with a person, the rep had attitude and acted if I was wasting their time. I'm done with this bank. read more

Easy to use website, very helpful employees. Although it is only online banking and ATM, they do a great job.

Terrible customer service. Tried to open an account online, and kept getting an error. Called customer service, waited on hold for far too long. Eventually, I gave up and sent an email telling them about the problem. Got a snotty, off-topic response. read more