Space Coast Credit Union | Palm Coast West | FL, Palm Coast, FL

The only reason I’m giving more than one star is that when you’re physically at the bank, everyone is great and I never have a problem. Their technology and systems are not customer friendly and I’m really tired of years and years of issues both with the phone system and their app. I’ve been with this bank for almost 11 years. The banking app they use works 50% of the time. The other 50% I have to log in on a Web browser because any attempt to log into the app triggers a pop up error. The in-app Mobile deposit for checks is the worst system I have ever used, the automatic capture will not take a photo despite following the instructions it’s giving me. I don’t know how much darker of a background I need when I’m using a solid black background, and I know what the front and back of a check are - obviously the auto-capture doesn’t because if it’s not the background its telling me to change, it’s the face of the check...even though the check is on the side it should be. The phone systems are just an endless loop of robots. If you’re using the member service center to call them about an issue with your account it will give you an option to speak to a person but attempting to use it just throws you back where you started in an endless frustrating cycle. Every time I call I have to go through a line I do not need just to be routed to the person I need to speak to. If you’re going overseas, it doesn’t matter how many times you tell them or how specific about your itinerary you are, they will still freeze all of your accounts the first time you attempt to purchase anything. If you’re a traveller like me with limited internet access to call them every time they lock your card, good luck. Even speaking with the team on the phone gets you nowhere. They tell you they’re filling some form out so that it stops happening and then they continue to lock your card. Extremely inconvenient and inconsistent, I gave them a full itinerary both times I went overseas every time I contacted them to unlock the card to no avail. They obviously lack communication between departments. Instead of fixing any of these things for years, they just keep adding new technology and systems to make things more complicated. It’s ridiculous and I’ll be changing banks soon. Tired of the inaccessibility.

Line near the door, one person at the counter while an African American gentleman looks busy walking around doing nothing. Frustrating.

I truly feel bad even leaving them a 1 star review. As a realtor, it has personally been the worst experience I have ever had. For my client, it has been the worst experience he has ever had. These Employees work on the mindset of being done at 5:00pm and their clients do not matter at all. The management did not call me back once, and Stephanie Vargas was the worst express mortgage processor that I have ever dealt with. Complete negligence, and have no idea how what being a lender is truly about. DO NOT USE THIS COMPANY IF YOU WANT A SMOOTH TRANSACTION. THEY ARE A COMPLETE JOKE and should not be able to even consider themselves a business.

Branch went above and beyond assist me in establishing my account. Teller explained the various banking options also using cvs and all point network. The option to use share branch service but that service only available when your outside SCCU branch area or different state. The now have deposit feature in the atm.

Updated. I think their website is a very poor design. For example: the “Quicklinks” is at the very bottom after you scroll down THREE times. The link to see statements should be at the very top, not buried down at the bottom after scrolling twice. Some of the windows you have to move a slider to see the full information. It’s really in need of a complete overhaul. They used to be better. When they redesigned their systems my accounts got all screwed up. Recently I got a call that there was a suspicious charge on my card. I went in and requested a new card. Filled out forms. Waited. Nothing. Finally called them and they had no records of this whole incident. No clue. I closed my accounts.

Oh man, I don’t know where to start with these people. When I first got my auto loan through them, they almost repossessed my car because they couldn’t verify my income after giving me the loan. And to make things worse I moved out of state and have been waiting over a month to get my tag transferred to another state. Thanks to this joke of a credit union that is literally costing me time and money waiting for them to send over a certified copy of my Title to the DMV of my state. I wish I could give them 0 stars but that’s not an option on here.

The customer service department and express department definitely wasn't friendly when I called today.

One star for this so called business is a gross overstatement. If you're buying a home and want to close before the decade ends, you should definitely go somewhere else. Customer disservice is a better word for what they provide. The loan processor NEVER returned my calls or responded to my emails, a real misanthrope who appears to be trying to be as unhelpful as possible. Their phone system is automated phone hell, designed to keep you from actually talking to anyone. First time i called i chose option to have someone call me back, no call ever came. Called again, waited almost 30 minutes for someone to answer, who was at least polite, but essentially accomplished nothing. STAY AWAY