Finally, JSC - now Wellby - has come into the current century and launched a new app and website. It's modern, super fast and the new brand is refreshing. Great team of people and customer service is sincere and helpful. There is a log happening for the better. Keep it up!
Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to the growing effects of the pandemic. Naturally like many others at the beginning of the pandemic, I did not know what was in store for the months to come. As a result, I was forced to spend my money wisely as I was unsure if I would even have a job in the coming months. Thankfully, JSC provided use with a furlough to help use through these trying times. Although I am truly thankful for what they were able to do for use I some how left in a bitter distant from how they handled the situation. THEY REPORTED MY MISSED PAYMENT ON MY CREDIT ACCOUNT DURING THE PEAK OF THE PANDEMIC AFTER I CALLED MULTIPLE TIMES TO DISCUSS MY SITUATION. Granted I am a 25 year old student who puts him self through nursing school and is only able to work a few days a week do to the course load. With that being said, you can only imagine what happens too my bank account when your already working short hours and then those hours get cut during a pandemic.!!! As I talked to the representatives it felt as if they were proud to enforce these penalties as they sit at their full time essential jobs that did not experience any kinds of hard ship during this pandemic. Whats crazy is, that they preach that credit unions are supposed to be more understanding then larger corporations but from my experience they are just the same. You will honestly be bette off financing through a bigger bank because they are are a lot easier to access through apps, access, and they will probably treat you a little better.
The only reason I gave them 4 instead of a 5 is you can't call the individual branches and speak to a human being to ask a simple question. I always get routed through the main switch board and have to go through a series of prompts and never get where I want to be. It can be very frustrating. They need to fix this.
Very poor service and discourteous. I should have expected this since it is not a bank but then they ought to know their survival depends on customer satisfaction. My perticular reference is to the Friendswood Branch on 518 and their clerk Ponam Pandya. This person needs sensitivity orientation and needs to pause and try to understand the problems of the customer. On my recent encounter about a check bouncing episode she was more particular that I should have got checks printed by the credit union than from a third party. The check bounced because it did have the perticular format that their checks have. Needless to mention the funds were adequately available in the account. I have however had a better expeience with the League City branch. People there are courteous and always smiling.
Seems like a good VISA card, but be careful if you only carry theirs. They apparently had an issue with a charge I made....not over limit, suspect charge out of state. They turned my card off while I was out of town. No big deal normally, just call the number on the back to review and fix. Come to find out, the number on the back is only good for lost or stolen cards. They can't help you with turning your card back on...it has to be done during normal business hours thru the bank. It was a three day weekend and I was out of luck. Seems if you are going to run a major CU, you would offer 24 hour service on your credit card. Now carry another card as primary and use this only as backup.
Really nice people at our local branch. Problem was with their Bill Pay system. Check didn't arrive at my vendor. This happened once before years ago on their old system and no big deal. Emailed address in Bill pay section, no response. Called them and they said there would be a $25 stop check fee unless the bank waived. Okay, drive to my branch. They said "accounting manager" would not let them waive. Seemed odd, so drive to main branch and spoke to officer. He said the same thing. Apparently they offer no guarantees at all on their Bill Pay service. If I write a check and mail it, my risk. If it is done through their system, seems they should stand by it. Now looking for a new bank.