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State Employees Credit Union of Maryland (SECU)

Application Process
Customer Service
1.7 5

Product Holder Rating Distribution (9)

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  • Reviews (9)

    Mar 10, 2015

    Worse customer service
    Helpful to 1 out of 1 people

    My father had money at SECU of MD when he died in November last year.  Even when I provided SECU with the death certificate and court documents showing I was the executor of the estate, they never returned my phone calls asking for access to his money.  After two months of being ignored I filed a complaint with the Maryland Office of the Commissioner of Finance Regulations, and once the state was involved it still took SECU almost two weeks to finally close the account and sent me a check. In total this was a three month delay from the day my father died before they finally gave the estate access to his money, no excuse given, they just didn't care about customer service at all. If you love your family, don't leave money with SECU when you die.

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    Dec 02, 2014

    Poor Customer Service & Communication
    Helpful to 1 out of 2 people

    We have a mortgage through SECU. We went with SECU because they had the best rate in our area at the time. In the process of purchasing a home, it was always a hassle to get in touch with our loan officer. We'd leave messages and not receive a return call. When we did receive a return call, it was often a week or two later. Our loan officer went on vacation and we had to wait for her return to get the service that we needed. Near the time of closing on our home purchase, we had to run around again for the paper work that we needed. Now the we have the mortgage, I've used their online messaging service ("Contact Us) to try to get some answers concerning our loan and no one responds. The monthly payment on our fixed-rate mortgage increased with no prior notice or explanation. If I could go back in time, I would not have gone with SECU.

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    Oct 31, 2014

    Worst customer service and money hungry.
    Helpful to 1 out of 1 people

    I have been with SECU for 7 months now. Within that time I have had more issues with them then more big banks. They like to add $30 uncollected funds fees. When I called to ask they said that I had a bill pay bill pay for a bill that they had paid but never took from my account. That $30 fee took my account negative then I assessed another #30 overdraft charge. ALL FROM THEM! I called the bill pay place to pay the bill and asked SECU to refund the overdraft fee since they caused it. They reluctantly did refund the fee. However, a week later they charged me another $30 fee when the bill was already paid. This is just one of MANY monthly problems with them. God forbid you go to a branch on your lunch break. It's a 45 minute ordeal. The worst.

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    Sep 28, 2014

    Bad start with a recommended institution
    Helpful to 1 out of 1 people

    There's that old saying about how "you never get a second chance to make a first impression," because first impressions are usually the ones that stick with you the most. That's what came to my mind when first dealing with SECU. I recently started a new job and wanted to make a fresh start by leaving a bank that wasn't doing anything for me and opening an account with a credit union where my paychecks could be deposited, as I heard they were so much better than banks. SECU was recommended to me by various family members. So about a month before I was to start my new job, I applied for and established a checking and savings account with SECU online. This was during the first week of September. Fast forward to three days before the end of September, and not only have I not received the checks for my new checking account, but I don't have a debit card or PIN number in which to access my money. I call SECU to find out what's going on and to inquire how long it takes after an account has been opened for checks, a debit card, and a PIN number to be issued. I'm told by the operator that it takes two weeks after an account has been opened for checks to be received and between 7-10 business days before a debit card is received, with the PIN number issued in a second mailing either before or after receipt of the debit card. I informed the operator that my account was opened in early September and here it was about 72 hours before October 1st and I haven't received anything. After being put on hold for five minutes, she pulls up my account and tells me that my debit card was issued three days after my account was opened, putting it well past the 7-10 business day time limit (I tend not to believe this, because if the card had been issued, with the PIN number arriving either shortly before or shortly after as the operator stated, I would have received one or the other by now. As it stands, I have received nothing). She told me she would terminate the card that was allegedly mailed out to me and issue me a new one. After putting me on hold for another five minutes only to transfer me to someone else in the department due to problems she was having with her computer in order to verify my check order, I'm told by someone else that no one bothered to order my checks after my account had been set up, which is why, nearly one month later, I still don't have any checks. They then told me that they would order the checks, but would be deducting $16.00 from my checking account in order to pay for it---this after I had made an initial deposit of only $25.00 in order to set the account up in the first place. Also, I now have to wait an additional 2 weeks before I supposedly receive them in the mail. 

    So to make a long story short, my first impression of SECU was something less than favorable, because not only does it appear as if absolutely NO ONE bothered to do a single thing with my account after it had initially been established, but now I'm about to start my new job using the same bank that I expected to be rid of by now---because I certainly don't feel comfortable depositing any amount of money into my SECU account until I have everything (checks, debit card, and PIN number) in my hands. I've used banks all my life, and this is certainly not the type of service I expected right off the bat when dealing with a credit union. I'm not saying that I'm prepared to go back to strictly using banks, but if things continue to be this rocky with SECU, I'm highly considering taking my business to a competing credit union elsewhere. 

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    May 20, 2014

    They Rip You Off with $30 fees
    Helpful to 0 out of 1 people

    I deposited a check for $1,200 on Saturday. My prior balance was $200, so effectively I had $1,400. They released $500, which means I had $700 available. By Monday afternoon, SECU charged thirteen $30 fees; $390 in insufficient funds fees, and I did not even spend a total of $500. For example, I bought something for $4.86, that cost me $34.86, because SECU charged $30 for insufficient funds. The Federal Government needs to look into these unethical and dishonest practices. 

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    Oct 28, 2013

    30 year customer
    Helpful to 5 out of 6 people

    I've been a SECU customer for over 30 years. Like all financial institutions they have annoying aspects but in the case of SECU, I find them much less cumbersome or costly than those provided by the mega-banks. I've bounce maybe 3 checks in 30 years and like most folks I find the consequences overly punitive, however that is the nature of the beast. I've financed several mortgages with them (the last entirely online), have a credit card and direct deposit both my and my wife's paycheck directly into our account. For those of you who need someone to hold your hand through personal banking, SECU may not be your best choice. I'm very comfortable with leveraging the technology and often go a year without walking into a branch. When I do, I find the folks very friendly and helpful. SECU provides excellant online services which allows me to bank when I have the time and that "ain't" during the work day

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    Aug 10, 2013

    Don't recommend
    Helpful to 1 out of 1 people

    They have no service after hours if you need to put a stop payment on a check. Presumably they think crooks only work m- f 8-5. 

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    Aug 06, 2013

    Set of crooks
    Helpful to 1 out of 1 people

    SECU are a group of crooks. They overcharged me on my paperwork for my mortgage. I pointed it out to them a week prior and they said they would have it fixed. I go to closing, and it is still there. They say they will fix it by depositing it into my account. Ok, annoying, but I can live with it. 

    I have now tried to take the money out by wire transfer, they want to charge $30. Then I tried to wire transfer through another bank I have, they claimed it was insufficient funds, charged me $30, and refused the transfer, and refuse to claim otherwise, even when I show them my balance, show them the amount withdrawn, they still claim that it is an overdraft. I looked at an ATM, they wanted to charge me a fee there. I looked at checks, and they wanted to charge me a fee for them!

    At this point SECU has screwed me out of several hundred dollars. I had let them know a week in advance, they ignored it, and now I have no access to my money. NEVER deal with these people.

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    Apr 13, 2013

    They have everything!
    Helpful to 4 out of 5 people

    I currently have a savings, checking, and auto loan with SECU.

    I have never had an issue with SECU in any way and they have great service - I am not sure why the the other reviews are so bad. Everytime you walk into a branch you are promptly greeted and everyone is eager and willing to help. I recently wanted to get rid of the institution my auto loan was with but did not think I could beat the 3.74% rate I was getting at only 20 years old. To my surprise SECU approved me for 1.99% on a refinance!!! 

    The loan process was simple and I left with a check in hand in less than an hour. I could not be happier with SECU because of the great service, rates, and technology (apps, mobile deposit, online banking, bill pay, everything!)

    I always recommend to give SECU a try!

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    Company Overview

    State Employees Credit Union of Maryland (SECU) is available to members of select schools, employees of select business, or anyone employed by the state of Maryland. Available financial services and products include checking and savings accounts, auto loans, credit cards, home equity, mortgages, and business banking. SECU’s website features various financial calculators, educational articles, and a list of frequently asked questions. Account access is available twenty-four hours a day with online banking and mobile banking. These free services allow members to check account balances, view cleared check images, transfer funds, pay bills, or access electronic statements. Members can also manage their accounts using the automated telephone system, ExpressLine. Customer service is available over the phone, by email, or in branch locations.

    Founded in 1951, State Employees Credit Union of Maryland is the largest credit union within Maryland. SECU has more than $2.1 billion in assets and 248,000 members.