Mountain America Credit Union

As always, very friendly service and great customer service! Darlene Dillon is the best! Thanks, Darlene! I know that whenever I need someone, I'll always get the best, so stop by and open an account with MACU. You'll be glad you did!

I have been with MACU for over 20 years and am now looking for a new bank. Today, 10/7/25, they decided to change their online app. The workers told me they sent out a notice, but I've never received anything from them about this change. My mom is not allowed access to my account that she is a joint owner of, unless I have access to their accounts. That is what I was told by their employees. I do not want access to all of my parents' accounts. I just want my mom to be able to access my account, which she was present for when I set it up and added her to it using the required identification.

As a long-time customer, I was taken aback when a CD account that I had opened for 18 months was recorded for 60 months. I filed a complaint with the bank to reverse the mistake. Not only did I not hear back, but I also had to bear the humiliation of being told that their investigation revealed that upon review of the phone call, their decision is binding. I requested a transcript of my recording with the original customer representative, which they refused to provide as proof. Well, as such, I will be closing all my accounts in due time, as they had the audacity to tell me that as long as I pay the penalty, they are willing to change the term from 60 months to 18 months. No, thank you. You just lost a long-term member.

In the 28 years with MACU, I have had three homes, and each time, the experience with the Mortgage department has been exceptional. Customer service is top-notch, as I am kept informed and up to date. I am doing a mini-mortgage now, and once again, the service is outstanding.

I am furious with the lack of access to my money that I have had overseas. I am currently sitting on a free shuttle and now running late for my flight back to the US because I have once again been blocked from booking an Uber on both of my MACU bank cards. I have provided my travel dates through the app before traveling and have already contacted you twice while in Ireland to remove repeated blocks on my cards. I have been stuck trying to get from the airport to my hotel upon arrival, stuck alone late at night trying to get back to my hotel, and am now running late to catch my international flight because of this despite reaching out to you several times throughout this trip. I only bank with MACU and have had no access to funds during these times and have been left totally desperate, alone, trying to figure out alternatives with no money. You had better believe that will change after this experience. I could not be more infuriated right now. I am extremely disappointed. I will never bank with you while traveling again!

I had an issue where I accidentally sent a duplicate car payment from another bank. I contacted Mountain America Credit Union (MACU) right away, and they were able to cancel the second payment before it posted—saving me from extra fees and a lot of stress.

I really appreciated how responsive and capable their staff was, especially compared to the sending bank, which couldn't or wouldn't help. MACU stepped up when it counted. That kind of service is exactly why I trust them.

This company earns money from usury through overdraft fees. I've never had a balance below $5,000, yet I've incurred $350 in overdrafts this year. Figure that one out. They don't issue refunds for these, whether it's on one Visa or another debit card. It doesn't matter; they'll take your money. Beware.

They are a great Credit Union, but Mountain America Credit Union closed the account transferred it to Sandia Federal Credit Union

After they worked with me over the phone (I live in California) to open my accounts and take my money, two months later they locked my online account and are requiring me to go into a branch with two forms of ID and proof of address. This is ridiculous! I'm not going to get on a plane to Utah just to get my online account with MACU unlocked. They need to provide alternative means of verifying identity and address without visiting a physical branch.

Total bait and switch. They cashed my check on 3/31 and the rate changed on 4/1. They refused to honor their 18-month CD rate quoted. I filed a complaint with their state regulatory board. The customer service is dreadful.

Tried to open a CD account online and got turned down. Unbelievable! I deal with many banks across America and have never been turned down when I want to put money in a bank. Today, I received an action notice in the mail from them, and it states the reason as "Unable to Verify Identity". They asked for my driver's license number and other information, but what they did was check my credit rating with Experian, and there was no rating because I have my account blocked. Why check my credit rating for identity? Why did they not tell me so I could unblock it? Anyway, it is their loss, not mine. What a terrible way to do business, or should I say, lack of business.

Quisiera dar mi mejor experiencia y satisfacción con el trabajo de la señorita Marina Mangiarotti del Banco Mountain America de Sandy, Utah. Es una empleada eficiente y tiene un trato extraordinario con los ciudadanos. Trabajadores así necesitamos a diario. Nos hemos sentido mi esposo y yo muy complacidos por su trabajo y por su encantador trato.

I am suing this bank. They victimize people with their fraudulent policies. It's the worst. Never do business with them. I will see you in court.

Don't even waste time trying to open an account unless you can physically go into a branch. Their remote verification process will only waste hours of your time and ultimately won't work, even with a valid driver's license and passport.

I had a frustrating experience with this credit union that I believe potential customers should be aware of. On 9/18/24, I reached out to open several one-year CDs at the advertised 5.25% APY. During my initial call, a representative assured me that I didn't need to rush, as the rates wouldn't change until the end of the month.

I followed this advice and spent considerable time opening the account, only to find out later that the rates had changed unexpectedly. After multiple calls and speaking to different representatives, including a loan officer, I was consistently told that the rate was secure for another two weeks. However, upon attempting to finalize my accounts, I discovered that the rates had been altered, and I was unable to open the CDs due to a system error.

The customer service I received was far from satisfactory. Despite the confusion, it became clear that there was a lack of training and communication within the organization. I was given incorrect information by several agents, which is alarming for a financial institution. While I spoke with a supervisor who acknowledged the issue, the final response I received was that they couldn't honor the original rate due to regulations—something I find hard to believe.

It's disappointing to see a company unwilling to stand by their word or take responsibility for their mistakes. Excellent customer service should go beyond being friendly; it should involve doing the right thing, which this credit union failed to do.

I would not recommend this credit union based on my experience.