Monterra Credit Union - Redwood City, California

Julieanne D.

Received a call from the fraud department. I told them I didn’t approve the transaction. “Okay I’m going to put you approved it and have a nice day.” Can they do anything about it? No. “You are going to have to jump through hoops to get your money back.” Lmao WHAT? What a great service.

Ben S.

If I could give them 0 stars I would, the discrimination at this place is insane. It's sad that a valued customer can't even get their regular paycheck of 2yrs straight cleared here. They placed 2 holds on my check so I couldn't pay my bills, if I didn't call over the phone my rent and my car payment would of been late. If you're black or brown you should only go to the East Palo Alto branch trust me.

The reasoning for the Redwood City branch not clearing my check was fear it would bounce. Again this is my regular paycheck that has never bounced in 2yrs, not to mention I deliver the checks for the company I work for and I'm one of the head supervisors. I had my check and paystub in person but that wasn't enough proof to show my check was legit.

This Redwood City Branch has even asked to see my social security card after presenting my ID before I can make a transaction. I've financed a car through them with no late payments, I've never been negative, and I'm on my grandma's account who's been with this credit union for over 30 yrs. But I guess all this isn't enough to clear my paycheck on the date that is on the check. Over the phone I have no issues and EPA overrides the hold "EVERY" single time. It's absurd the branch closest to corporate and where I actually opened my account can't help me.

The customer service is non existent as well, I proved them wrong with getting my check cleared and when I go back to withdraw money for my rent they placed a 2nd hold on my account and the little guy in the middle between the manager and the teller had a smirk on his face. Not knowing I got it cleared again after leaving for the 3rd time. They stated my check might bounce but gave me $900 of my check and said nothing can be done until Monday.

The saddest part is they honestly seem happy keeping your hard earned money on hold and not accessible to you. I just hope the little goofy guy who smirked after placing my check on hold for 2nd time is still smirking after I talk to one of the head managers in corporate I know. It's all fun and games until you have to answer to the real boss for your unprofessional and extremely poor customer service. I forgot to add being treated like this in your hometown is even worse, I'm literally one of the best athletes out of that little city and get treated like dirt when you have money is crazy.

Dima R.

Don't know why everyone is hating on them in the reviews, but I've been using Monterra for a few months now, and it's... totally fine?

Sure, one time, I had to wait in line for two minutes, but I managed to survive that.

Their mobile app is a bit janky, but that's about it.

Alondra M.

My Field Trip was cancelled today, at last minute. Im in a Financial Literacy class, and we had planned to go, but at the very last minute you guys cancel on us.

Red G.

(Update edit) Lost my checking account because it was overdue I had a car accident and even though I paid it back a few months later they cancelled my checking and 3 years later they finally gave me my checking back they really didn't help with any loans so I had to go to a higher interest rate company and beware the 30$ negative balance fees

Nicole D.

If I could give this bank zero stars I would. Customer service is the worst I’ve ever experienced at any bank. Everyone that works there is extremely rude and unprofessional. This bank has virtually no fraud protection and they do no care about their clients. Bank elsewhere!

Melissa N.

Honestly we have had great experiences in the past, but this time it was terrible.

My mother came in attempting to get a car loan since she’s interested in buying a new car. We came in know they would run her social to see her credit, but they ran it without at least verbally telling her “we will run your social to see your credit”.

On top of that they did not bother giving her any information regarding the car loan and how it worked they just started the application.

Overall the man working at the very end left side was rude and not helpful. We expected better service and were left completely disappointed.

Gabriel R.

This bank has gone downhill since the pandemic.
Suddenly I get overdraft fees after they don’t accept my checks, nor do they inform me that checks haven’t been accepted despite all parties endorsing the checks.
I’ve been with SMCU for over 8 years, but now I’m looking elsewhere.