State Employees' Credit Union

I want out of this scamming bank. They are literally trying to hold me hostage over a penny owed on a credit card account. Find you a penny off the floor. Clear my check in checking and give me my $25 out of savings. Sick of yall. Mind yall I paid the card off by overpaying. The card was closed and yet the balance still manage to drop smh. How

Dear Executive Leadership Team,

I am writing to formally express my deep dissatisfaction with my recent experience and to notify you of my decision to terminate my banking relationship with your institution.

As a lifelong member, I have trusted your institution to safeguard my finances and to provide fair and professional service. Unfortunately, my recent experience has caused significant financial harm and has eroded my confidence in your organization.

My credit was pulled in connection with a loan application, and I was approved. I received a pre-approval letter confirming this status. Afterward, I requested to work with a different agent for handling my transaction. Despite this request, the original agent canceled my application. This action directly resulted in a $3,000 loss in due diligence funds and a 30-point decrease in my credit score—from 780 to 750.

This outcome is both financially damaging and deeply disappointing. I expected professionalism, accountability, and respect—particularly as a long-standing member. Instead, I was left to absorb a significant financial loss and credit impact due to circumstances beyond my control.

Given these events, I no longer feel confident conducting business with your institution. I will be closing my accounts and transitioning to a financial institution that demonstrates consistent fairness, transparency, and respect toward its members.

I respectfully request a formal review of this matter and a written response addressing the circumstances surrounding the cancellation of my approved application.

Excellent customer service and easy transactions

If you're in debt with this bank, ensure you're not an authorized user on anyone else's SECU account. These thieves will take the money you're behind on from these other accounts regardless of the fact that it was not an account in your name or anything related to said loan debt. THIEVES!

Update: Bank customer service says they had the right based on the loan documents I signed. Well, the account wasn't in my name. I was an authorized user on my mother's checking account. My mother didn't even have a state employees checking account or do any business with SECU until after i had my loan. Now she's responsible for my debt? She's not my wife. She's not on MY checking account. I think theft has occurred here and I'm not being silent.

Just try to redeem credit card points. Impossible! Their website shows no obvious way. So I called customer service. They were unhelpful. Once I got through the automated responses and got to a live person, Rosie, she said I had to talk to the credit card unit. I got through that automated response and spoke to Rashada. I was given another 800 number and got through the automated responses and spoke to Rashika. Why do all names start with R? I still didn't get an explanation or answer. If I don't get an answer from my local branch, I'm closing my account, which will be inconvenient for me because all my health expenses go on that credit card. But their service is terrible.

They've been great; the loan was overlooked. It was supposed to have been paid off in December 2024. And like I said, it was overlooked; I've never been behind before.

SECU is holding my money hostage. I opened the savings account back in 1972 and deposited $25.00. I also added my husband's name to the account. I received a snail mail letter in April 2025 stating that the account would go inactive in a few months due to no activity. I went in person to our local SECU to withdraw the money and close the account. I was unable to do so because my husband was not there to sign. There are NO forms I could take to him for his signature, even if his signature was notarized. He is physically unable to go in person, so I can't get my money.

Haley Pluckett at the Asheboro location gets 5 stars from me. Please ensure that she receives a merit bonus or raise. She represents SECU well.

I was placed on a 9-day hold (including the weekend) for a check from my own retirement account. The manager wouldn't budge and exuded poor customer service. I'm switching to another credit union!

Excellent! I would recommend everyone do business with your local credit union. If you need a small loan or a business loan, credit unions are a great option.

Stay away. I fell behind on my mortgage but was depositing all I could each week to pay on it. They took all the money in my account and then closed it with no warning, saying the balance was low when they took it! Now I have to go to the bank each week and instruct a teller to apply the money I bring to my mortgage. My son's new job accidentally sent his direct deposit to my savings, and they would not give it back, stating that I could not withdraw it because of the past due on the mortgage. Been there for 30 years, but as soon as my debts with them are settled, I am done.

They are worthless. I was scammed, money was stolen from me, and they refused to assist in any way because they didn't want to incur losses on their end. They do not care about their customers. They led me on day after day. I work hard for my money and I trusted them with the money I earned. They do nothing if you get scammed.

I have had the credit union for over 20 years and never had an issue before. I will be closing my account. They don't have a secure site to upload paperwork; they want it sent to them in an email. They don't accept assets awarded in a divorce decree. The loan agents had no idea how to process the loan, what was accepted, and what wasn't. It was extremely frustrating. I withdrew my application and will be closing my account. I also asked them to change just my address, and they changed my son's, which has created a mess in itself after they assured me on the phone that only mine would be changed. I don't know what happened, but they have to be the worst credit union I have ever used.

I don't normally post reviews, but if this can help someone, it's worth the time. I recently sent money from our SECU checking account through Venmo to make a deposit for a vehicle. We are not on Facebook, but my supervisor told me that a friend of hers was selling a car and—long story short—I sent the deposit. I found out the next day that the person's Facebook account had been hacked and the hacker was also using her cell number. I have known my supervisor for years, and she felt terrible about falling for this as well and telling me about the vehicle. I'm sure other people were also scammed. I immediately called NCSECU, and they told me I could not dispute the charge until the transaction posted. I'm not sure why it couldn't be stopped while pending, similar to the way we stopped checks back in the day, particularly if you know it's a scam. Once the charge posted, I called to dispute it since it was fraud. I also filed a police report and provided that information as well. I was told I would hear something within 10 days. Ten days later, I received a letter stating the dispute was declined and that I could request the notes from the decision if I wanted. I called today to request the documentation from the investigation (I'm not sure what type of investigation actually occurred), and the guy acted like he had no idea what I was talking about. What bothers me most is that my wife and I have been with NCSECU for 30 years and this is the customer service we receive. No phone call, no follow-up questions, nothing. Just a letter saying you're out of luck, and that's it. It was my fault for initially 'authorizing' the transaction, of course. But even if I will never see a penny of the $2,000, you just expect more from a bank you have been loyal to for so many years. We will be moving our money to a different bank. Not that we will be missed, obviously, but we just don't want to stay with a bank that can't at least provide some level of support in a situation where you already feel helpless. Again, I hope this will help someone out there.

It takes three days, sometimes longer, for a deposit to show up, and because the money shows as going into my account, I use my card. But no, don't do that. Also, I constantly have to find other ATMs to use because their ATMs are full and can't accept deposits. I recently received a letter saying I was no longer welcome to bank with them due to mismanagement of my accounts. This has been one of the worst experiences in the history of banking.