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.

Looking at the past reviews, I would say it's a little better for customer service. But there's…read morestill room for improvement. The Chase Bank from inside gets a little cramped especially since there are all these unnecessary cubicles. I don't really see a need for more than 3. Merced isn't that big of a town in my opinion. Open spaces look more inviting is what I'm trying to say. I have only gone in once, but I will say that the teller I had was okay. I had two things to do: deposit a check and change my ATM debit card pin. She was only able to deposit my check but not change my pin. I don't know why I couldn't be referred to a different teller for all my necessities. Because she was definitely going to send me in back of the line in order for me to change my pin. A little ridiculous since someone could have gone in my place and I could have waited for a more competent teller. I guess I'll never know.

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

While being in Merced with my niece and sister I had to stop by Bank Of America to get my banking…read moreneeds done. I took my 4 year old niece in with me...as she wanted to come in. When we walked in the line was so LONG. So my niece and I proceeded to walk to the end of the line and wait. My niece who is an outgoing social bunny told me that there was too many people. I told her she wanted to come with me. She was such an Angel during the time spent here. Even though the line was long we managed to get through the line fairly quickly. As there was about 5 to 6 tellers at the window. This was probably the fastest in person banking experience ever especially since I had the little one with me. The customer service was great and I even changed my mind twice and amazed how Cool, Calm and Collected my bank teller was and even did it with a smile too. I had such a great experience here that I prefer to get my banking needs taken care of. I will be back if I'm in the area.

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?

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.

Just wanted to give a special shoutout to Martha in the Loan department & Linda from AutoLand…read more These ladies were able to help me and my partner find a car. As first time buyers, we were a skeptical and stressed over the process of purchasing a vehicle, however, Martha and Linda made the experience so much easier! They both explained the policies to us- in details & were with us every step of the way. Thank you so much! I highly recommend!

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

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."

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.