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1st MidAmerica Credit Union
731 E Bethalto Dr, Bethalto, IL 62010, United States
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Sh
Review №1

Went today to go inside to simply get some checkbook registers. I was greeted outside by a young lady who asked if I had an appointment. Told her what I needed and that I would be in and out. She told me that they preferred you use the drive through. Why? I was wearing a mask! Had to get back in my car and wait in line. Would it have killed her to simply go in and get the registers for me?! What else did she have to do?! Every since it changed from Olin Credit Union, customer service has gone down the tubes!!

Ch
Review №2

I had started my accounts here when it was Olin but overall it's been a pretty lackluster experience. They do not provide any extra benefits over other credit unions or banks. I shifted to another bank that has a better mobile and web experience as well as more locations to better suit my banking needs.

Mo
Review №3

This company started out great and then they slowly started going down hill. Everybody got changed that my niece was dealing with and now the new person can almost never say her name, is rarely polite. She gets the amounts paid into the account when trying to discuss the account that she was trying to get caught up. She told them on Friday that she would have the amount needed to catch the account up in the bank by Monday. On Monday morning between 9:30 and 10 am central time the representative for her account called asking why they didn't show the money in the account yet. This is a really bad way to do business. This is the first company she has ever done business with that proceeds to call her first thing in the morning the day she told them the money would be in the bank. Normally they give you till the end of business and either call an hour before they close or first thing the next morning. She will never get a loan through them again.

Ka
Review №4

They have several locations and all the conveniences. The people in the loan department are very friendly, as are most tellers. Some areas where they could use some improvement:*You might not feel particularly appreciated by the folks who answer the customer support line.*If you try to escalate an issue to a manager, they might not call you back.I recently had an issue and felt I had no avenue to address it. I left a negative review on Google, AND GOT A CALL FROM THE REGIONAL MANAGER the next day. That definitely shows a willingness to improve.

Ro
Review №5

More like a bank than a credit union by definition.Have been a member since August 1977 when it was the Olin Credit Union.It's been in a slow but steady decline since Olin's departure decades ago. Big turnover as to help has the work stations regularly manned by tellers who've obviously been poorly trained having to run to the "den mother"on shift for relatively simple instructions,directions, & clarifications. Once regarded as a "Preferred Member"; a decades long member w/a regular savings balance of over $50,000, they've recently decided to charge $4.00 for a simple cashiers check , an amenity that was long gratis for maintaining such a balance level. I'll soon be shopping for a new bank.

Am
Review №6

I have banked with 1st Mid America since I was a child, and my mother banked there. I loved banking there, until I got a credit card through them. I should have known better than to get a credit card through a small credit union. Any time I have had to file fraud on a purchase I get the run around, or am given a bs answer as to why they cannot refund my money (oh you never reached out to the seller, even though I had given them handfuls of paperwork and emails showing attempts to contact). Ive had my credit card hacked and the only reason the transactions were caught was because the card maxed out. Transactions not even in this country (why would I be in a hospital in Singapore?). Every time I sit with a banker they make up the banking rules as they go and lie to my face. I am so sick of a teller telling me they will do something, then not do it. While filing credit card fraud I was transferred to so many different departments, who all told me they closed the card for me. I was able to go out and swipe the card and it WAS APPROVED. Closed? nope. The people working in the different call centers are IDIOTS.

Ja
Review №7

I had many problems with them since they renamed the Credit Union, especially during my military service. The worst part was their VA Home Loan Program Manager, I left several messages to save my home. There was never a return call and no appointments were scheduled. I moved to a World-Wide Credit Union and always get great service! I will only walk into this Credit Union when my mother requests for assistance.

Jo
Review №8

Slightly better than a typical bank, just DO NOT opt for any account extras. Like the "overdraft protection", which actually enables them to let your overdraft your account in exchange for a $35 fee per overcharge. Nice "protection".

Ma
Review №9

I have been working with Jeff and Jenny at 1st Mid America Credit Union for over a decade. These are great people and I count on them and they go above and beyond to support our needs. I can't say enough great things about this team and these people. They aren't just bankers, they are my friends and partners in what we are up to in transforming neighborhoods and creating community.

Ja
Review №10

I was charged 1400.00, for insurance on my car covering a time that was already history. For only for 3 months, and this insurance doesn't cover property and bodily damage .I am widowed. I’m not in good health but I do the right thing. My debit card from another bank expired and my car insurance was using that expired card to auto deduct payments. I didn't know this had occurred because I moved to Kentucky the same month. When I tried to rectify it, they told me I could no longer receive coverage from them because I moved to KY. I was much more concerned about getting my medical information transferred. Diabetes can be life or death without insulin. I honestly didn't understand the ramifications. At the beginning of October, I found out the insurance was astronomical because it had lapsed on my car. Wonderful! People who can barely afford insurance get the penalty of paying more if they can’t afford it in the first place. I live on a fixed income. It took me by surprise and I was unprepared for the high prices. I also did not realize that not only would I have to pay an arm and leg for insurance when I got it – but that 1st MidAmerica, had every intention of charging me for the months I did not have coverage. Originally they charged me 3603.00 I failed to memorize the fine print of my car loan contract, apparently.I had an inspection done when I got my insurance renewed. It’s documented. MidAmerica did refund 3 months but not for the 3 months that were not covered. How generous. There is no law that says a car owner must go back and backdate insurance for a car that has not been insured. The law only states that the cars must be insured. If the car is not insured, a fine is assessed to the owner – and while part of paying the fine is also getting insurance, there is NO REQUIREMENT to backdate the insurance to cover the uninsured period.MidAmerica supercharged me for a period of history and there is no law stating that they must do so.I looked up the definition of usury. While this is not the exact same situation where there is an illegal action or practice of lending money at unreasonably high rates of interest, what did happen here was that MidAmerica used an unreasonable high rate of insurance to add to my already high rate interest loan. I know moral and ethics is on my side. I checked for precedence on this. Mortgage lenders did the same thing to owners in the past. When the owners failed to produce insurance, the banks charged such a heinous amount – that it wound up in court and the courts ruled in favor of the owners. The owners got back the overages charged to them. The courts ruled: “loan provider cannot charge more than what it necessary to insure the house.” No one is going to believe 1400.00 for 3 months of insurance is necessary. My driving record alone justifies a lower amount.There is something unclear to me about why a credit union would purposely go and pick up the most expensive insurance to use against their members. At least until I looked at my interest rate. Then it all became very clear. I really don’t understand amortization, and interest compounded daily. What I do know is that 10+% is rather high for an auto loan. Add the overcharged insurance rate…I recognize that my ignorance about insurance on my car is no excuse for the period I went without insurance, nor is not having the money. I am a member who has paid 2 years on time, and any credit problems on file are due to a death in the family not irresponsible spending and credit cards.If they are going to charge 1400.00 for every 3 months of insurance coverage, I think that kind of money should be clearly stated IN ADVANCE – no surprise parties.

Ed
Review №11

More of a bank and not a credit union

Sh
Review №12

This place is very unprofessional, I keep receiving First Class Mail at my home that I have been for 10 yrs. for someone who does not live here. I have called 2 months in a row to help them not WASTE money on postage and get the mail to the correct address. I spoke to Paula today in the call center who basically gave me, "just put it back in the box" and "call the post office to stop it." She explained they "BUY" people's name from an outside source from a list and they could NOT possibly check every source for one person's name. I explained that is NOT my job, but her job to stop the extra mail from coming to me and get it correct to that person that might want their mail. She was very rude and lazy! If they can't get this right, not sure what they can do... what a joke!!!!!!!

sa
Review №13

Do not do business with them. Was given a wrong pay off and of course it’s my fault (not sure how) rude, threatening will never ever do business with them again.

au
Review №14

Very poor customer service and non existent customer loyalty.

Ly
Review №15

Missed a skip a pay opportunity and there were NO exceptions. I get tons of mail from 1st Mid America regarding life ins I don't want and I've indicated this on several forms. Thinking skip a pay form got mixed up in all of the unwanted correspondence. Could really use a month of no car payment but they won't budge because I have automatic payment which is supposed to be a good thing. Local credit union in Springfield, IL works with customers much better. Annoyed!

Su
Review №16

It's a bank, not much to say

Information
2 Photos
16 Comments
2 Rating
  • Address:731 E Bethalto Dr, Bethalto, IL 62010, United States
  • Site:http://www.1stmidamerica.org/
  • Phone:+1 618-258-3168
Categories
  • ATM
  • Credit union
  • Financial consultant
  • Financial institution
  • Financial planner
  • Investment service
  • Mortgage lender
Working hours
  • Monday:8am–6pm
  • Tuesday:8am–6pm
  • Wednesday:8am–6pm
  • Thursday:8am–6pm
  • Friday:8am–6pm
  • Saturday:8am–12pm
  • Sunday:Closed
Service options
  • Drive-through:Yes
Accessibility
  • Wheelchair-accessible car park:Yes
  • Wheelchair-accessible entrance:Yes
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