Continuously Frustrating Lack Of Any Form Of Customer Service

The rate is the only good thing about Keypoint CU.  After that it almost seems as if this CU is trying to purposefully make every transaction as difficult as possible.

Applying for an account requires visiting one of its few branches (for me - driving 2 hours RT and $16 in gas) or using paper mail for every transaction.  Application forms were sent to me and took 6 days to arrive.  The forms are poorly designed and have type that is 1/16th inch and difficult to read.  One error on a form required me to get another, which, after much prompting, I got them to send to me by email.  I thought this was progress, that I had helped them leave the pony express age and move into the electronic age.  But, no, the forms can not be filled out electronically and emailed back because they are protected and can only be printed (not saved) once data is typed into them.  So, I printed the forms, manually filled them out, and then scanned them into files that I sent back to Keypoint.  They, in turn, will convert the files back into paper.  In total, electronic - paper - electroinc - paper.  Hard to believe that no one at that CU is struck by the gross inefficiency of such a process.

There are no instructions on how to pay the CU membership/application fee, or about what ID is needed to start an account, and no final check list of what needs to be returned to complete the applicaton and funding process.  Online chat help can only answer basic questions, aside from that, they will refer you to a phone number.

So, it's kind of like waiting in a long line at a discount grocery warehouse in order to save a few dollars.  Every customer has to decide what their time and aggravation is worth.