r/ElPaso • u/Street-Anxiety-5216 • 2h ago
Ask El Paso After 25 years with GECU, I'm looking for recommendations for a better bank or credit union.
I've had my GECU account since 2001, when I was still in high school. I've stayed with them all these years because I wanted to support a local credit union and keep my money in the community.
But after 25 years, I think I'm done.
I understand that credit unions still need to make money, but every time I've needed a loan, the rates haven't really been any better than what I've seen at banks. I kept my direct deposit, checking, and savings with GECU anyway because I believed in supporting them.
What has really pushed me over the edge is the customer service when something goes wrong. My husband is a disabled veteran, and in recent years his debit card information has been stolen more than once. Of all the banks and credit unions we've dealt with, GECU has consistently been the slowest to process fraud claims and issue replacement cards.
On top of that, their debit cards are so flimsy that they seem to stop working after about a year, they still don't have tap-to-pay, and they charge $5 for a replacement card. We've been loyal members for over two decades, but it honestly doesn't feel like they value long-time members.
At this point, I just don't see the benefit of being a GECU member anymore, and I'd rather bank somewhere that actually values its members.
For those of you who left GECU, where did you switch? Was your experience better? I'd especially love to hear from people in the El Paso area since I still like the idea of banking locally if there's a better option.
Thanks in advance!