Condescending & Gleefully Dismissive
This credit union is the only bank in my neighborhood, within walking distance of my new home. I went in today to open a simple checking account. I was dressed humbly and casually--jeans and shirt, all clean, holding my briefcase with documents and cash to open the account. The sole woman behind the "new accounts" desk performed the best "May I help you, Sir?" sneer I've heard over the past decade, at least. As I politely asked her about how to open an account, she listed off, perfunctorily, all the ways I could be denied an account--most having to do with the banking credit check system. Knowing my credit and armed with a copy of my local lease, my valid US passport, two local CA utility bills, my CA auto registration and insurance, as well as checks and cash for the deposit, I handed her the documents in exchange for a clipboard to fill out the information the bank needed. She took one look at my out-of-state ID and in her most disgusted and taunting tone exuded pure joy in informing me I was not eligible for an account with the august Safe 1 Credit Union.
In the 25+ years that I've opened and maintained bank accounts across the USA, never a single time with a problem, I've never before been treated like I'm a criminal. It would have been an easy matter for Safe 1 to inform me up front that I'd need, specifically, a CA state ID (I just relocated here two weeks ago). That this woman took such pleasure in first listing the many ways I could be rejected from admission, then, once she had the evidence of my ineligibility, drawing out the formal rejection, told me everything I needed to know about this bank. People "like me" aren't welcome there, despite the fact the branch is in the midst of a chiefly working class minority neighborhood.
Why do business in a neighborhood you don't want to work in and whose residents you can't bring yourself to treat with even a modicum of dignity? Already a long-time member of two credit unions on either US Coast, and principally an online banker (BECU offers the country's best online banking features, including POP-money payments directly to other people), I'll forego the humiliation and acrid attitudes of any more financial institutions' admissions committees and do all of my banking online with my current credit unions.
Gone are the days when US citizens were obliged to bank at local, in-state facilities. It's a global world, and haughty, demeaning banks would do well to remember that.