Lake Michigan Credit Union Checking Accounts

Everything is just exceptional. Love this bank, still banking with them to this day. Love LMCU. Wish I could put 6 stars, take that Erin not negative.

Try to make a legitimate wire transfer, they flagged it as fraud. They've put a fraud alert on my account. I've made these in the past, and every time they flag it as fraud. I don't mind being questioned because there's a lot of fraud out there, but these are legitimate wire transfers. I've been with them for over 25 years and have never had such terrible service. The tellers were very helpful, but the fraud department thinks every transfer is fraud. It's as if they don't trust my judgment with my own money. They almost act like it's coming out of their pocket, not mine. Very disappointed in their service.

Terrible customer service; you have to jump through hoops, and even though they say they did something, it never gets done. Horrible place.

Tried to transfer five thousand dollars from my checking at LMCU to SoFi. Without warning, they cancelled the transfer because they "couldn't reach me in time." Guess I will keep the money at LMCU, because that's the only place you can have your money at.

LMCU messed up my account and other peoples accounts. This is very unprofessional. I am currently not able to use my LMCU card because of the situation. It's been 3 days, and I still cannot use my card.

A credit union that cannot even honor customer privacy under CCPA compliance.

I went to apply for their Max Checking as a California resident but saw that California seemed to be the only state missing from their list of states on the application. I contacted customer service chat and was told:

"Thanks for your patience as I had a moment to read and review your initial message. LMCU is a Michigan chartered institution and our focus is on the states where we have the most members. Our attorneys advise us that complying with Federal and Michigan privacy laws is not consistent with the California Consumer Protection Act (CCPA). We have knowledge of California law commensurate to a very small percentage of our members who have moved to/from there, and we are not comfortable with our systems’ ability to satisfy all CCPA obligations on a member level as we understand them.

In short – our systems are set up to follow Federal and Michigan privacy laws. Until such a time that we and our attorneys are comfortable with our systems ability to comply with CCPA, we are not accepting memberships from individuals who currently reside in CA."

Aka, they cannot even honor the simple basic requirements of CCPA (California privacy laws) for their customers. And they people to trust them with their consumer data and their money??? No thanks!

Free max checking, includes 3% interest (highest in country for checking), no fees, 10$ monthly reimbursement for ATMs, free cashiers check reimbursement as well. Overdraft protection, easy services like bill pay, transfers, online banking. Have used the big banks, Chase, BoA, Capital One, none provided the service, benefits, and insterest that LMCU has provided in rural Michigan. The new rewards credit card is less that half the interest of other major cards, also offering more rewards than most major cards-saves thousands annually in fees/interest! Many thanks to the employees and leadership who have shown the vision to stay one step ahead of the competition so at the same time we the customers benefit financially!

I've been a member for at least 20 yrs and have debated on leaving for the last 5. No overdraft protection, no 24 hour grace period, nothing to offer anyone in a very modernized world. If you use your ATM to make a night deposit it can take up to 6 days for that to process. It's ridiculous, and when you call the bank to discuss a problem then you get treated like a 2-year-old when they use verbiage such as we advise you, we advise, in the future, you were told by the previous rep,.... For instance I'm out of town this morning at the crack of dawn, $1,000 cash in my wallet but no way to deposit this as a pending charge comes through unanticipated for $2.50 and they think they're going to charge me a $30 courtesy fee.... They need to take into consideration the amount of the charge that comes in, versus their courtesy fee charge. And they need to look at the customers accounts, and what kind of money that customer holds if their institution. No I'm done with lmcu I'm not a two year old and these idiots that answer the phone aren't worth my headache or my time. Huntington bank has overdraft protection, a 24-hour grace period and many other perks.

It's unfortunate that you can't leave negative stars. I learned last week of my husband's passing. Without notice, LMCU took $20,000 out of our joint account to satisfy his credit card debt. They didn't so much as place a phone call, they just took the funds. I am only 36 and have 3 children depending on me. I begged them to allow me to make minimum payments and they said no. My husband has been their customer for over a decade and secured many, many, many auto loans for them.

Run!

Super unhelpful-incompetence-inability to communicate clearly or effectively. Find another place for your money if you have a choice.