2 /5 Mike: I tried to apply for membership online, and they said I had to come into the branch after calling the 1800 number to confirm. Ok thats fine, cant be too safe these days.
Went in and after a small wait, went up to the teller line to provide my social security card and ID, per instructions from the 1800 number. Teller typed in to the computer for about 5 minutes it seemed and then stated "its about 25 minutes to closing and opening an account could take up to an hour".
Having been in banking for over 17 years, I know every system is different, but an account opening process could take up to an hour, yes, if theres other loan applications or a complex account structure. I understand wanting to be thorough; however Ive worked for many institutions where the general rule of thumb is as long as the branch doors are open, then your full breadth of products and services are available as well.
I stated I will be out of town the rest of the week, and the rebuttal was that Id have to schedule something with a banker, and perhaps with a branch with Saturday hours.
I wanted to open an account to establish a relationship with the credit union, before pursuing a personal loan to help fund my upcoming wedding. Unfortunately, the lack of ownership and willingness to help has made that potential relationship with this credit union end before it began.