Gesa Credit Union

I used to overlook a lot when it came to Gesa, but today was the last straw with them. Not to mention that my card seems to get hacked almost every two weeks. The only pro is I can walk into our local service in Yakima on Triple Crown Way, and they'll issue me a new card right there. But then, it's not very comforting when the teller tells me the reason I'm getting calls from the fraud department is because we're getting hacked a lot. If a bank is getting hacked that much, you'd think they would take security seriously.

Not only that, I've had the same checking and savings account for 6 years. I walked in there at the end of January to get my cashier's check, which is another pro, as they give free cashier's checks. The teller started pressuring me to open a new account. I'm like, "Why? I've had the same checking account and savings account for 6 years." She said, "Well, this is a Smart Plus checking. If you open this, you get $200 back after 90 days if you do a $200 deposit every month and make 15 card transactions." I thought, "Well, that's going to be a bit hard because I already have my direct deposit set up, and my cards that I use." She kept talking to me, and she's like, "Okay, it won't take that long to set it up." So I give in—okay, I'll take it—free $200 in this day and age.

The 90 days pass, and I call today to ask about my $200, which I never received. On the phone, she sees right there that I have an active Visa account but still pushes because she got credit for it. She got a bonus for however many new member accounts she opened. So that tells me that the $200 was a gimmick. She got her bonus, and I got cheated out of $200 after I had to sit and listen to her spiel.

I ask them, "Why didn't your employee know this?" The woman then tells me on the phone, "Well, do you have a good number to call your branch at? Because you may want to reach out to them and ask them." So now, I have to reach out to them after taking time out of my day to make this call to find out where my $200 is. Their customer service is terrible, their bank is always getting hacked, and the only reason I keep them is that I don't want to close another account. As I said, free cashier's checks are a bonus, and the fact that when I need a new card, I can walk right in there and get it without having to have one mailed to me.

Overall, I wouldn't suggest anyone go to Gesa and open any account or even listen to their customer service because they're all dishonest when it comes to promotions. The customer service puts me on hold, comes back, and tells me, "Oh, you didn't qualify for the promotion because you had an active checking and savings account already; you are an active member." So I tell them, "Why did your employee tell me that I would get the $200 cash back?" When I argued about not opening the account because I already had two accounts—a checking and a savings I've had for 6 years—she was just trying to get me to open a new one.

Zero stars, actually. Why is that not an option? Worst experience with a bank ever, and as some of you may know, that's saying a lot. Glass half full: I would say about half of the people who work here are equipped to be working in customer service, let alone taking payments over the phone. Unfortunately, many of them don't seem like they've been trained for the job, or have lived more than about a week on Earth. Most of them cannot answer basic questions or help you with standard account/information changes like updating your phone number or address. However, that does not stop them from confidently giving you a wrong answer, or better yet, just repeating the same verbiage that warranted the question, back to you. It's like talking to an empty vessel in some post-apocalyptic Twilight Zone universe. I wish I could say this was an isolated incident, but in reality, it seems to be the culture at Gesa. All drama aside, I recommend (first and foremost, not banking with this entity) holding on to that Member ID and password for your online payments because trying to get someone to help you recover that will be extremely bureaucratic and talking to people at this company is usually not a good experience.

Worst credit union ever! I can't pay the bill except by mailing a check. I am trying to call in to pay by phone, but the phone numbers listed on the bill don't service the card! As a result, I actually have no way to cancel this card. I will have to send a letter to cancel the card. It's like going back to before there were phones, to the 1800s. I thought Wells Fargo or Bank of America were bad, but they are a dream compared to this. Do not use this institution!

They have terrible service, and they are also untruthful. I contacted multiple people to refinance my car, and they all informed me that they do it at a 4.74% rate. I visited their Tukwila location in person and spoke to Saif, the senior personal financial representative. He assured me that by opening a checking and savings account, I could refinance with a 4.74% rate. We proceeded with the accounts, but then I received a call from the lender. I answered and requested that she call back in 30 minutes. She agreed but never returned the call. It turns out she made a note in the system indicating that I never answered, so they decided not to reach out again. When I managed to contact a lender in the financial department, they told me the rate was now over 5% and that I needed to open a credit account. Upon visiting Saif again, he falsely claimed he had advised me to open a credit card and that the rate was not 4.74%. He also stated that he attempted to call and left a voicemail, which he never did. The customer service is appalling, and it seems they're just after your money.

This credit union is a joke. There is no overdraft protection, and customer service is useless unless you speak Spanish or Chinese. Branch managers and tellers are impolite and will not go the extra mile for their "members". Take your hard-earned money to a better credit union.

Zero overdraft protection.
This bank does not care how many times you overdraft; they will charge the fee. There will not be any moment when your card declines as it should. Gesa just wants their money. They are inconsiderate.

Very disappointed with the transfer for consolidation. They used snail mail, which takes 3 weeks. I'm being charged interest by Gesa and on the card I'm paying off, over 30%, and a percentage of the amount transferred. Time to get a new bank.

Just got a notification that my card was used by someone on the DoorDash app in California. I am located in Kennewick and tried to dispute it by calling the customer service line, but I wasn't able to access my account even though I gave them all the correct information before they asked. Customer service agent Melvin told me, after I answered his question, "This doesn't make any sense," when I told him that I have a different app than the one used for the purchase in another state. His supervisor Paula just followed the steps of her worker and told me they are not going to allow me to get into my account. This bank is becoming a joke, but for real!

Terrible customer service and outright deceptive advertising. They offer 5% interest on the first $500 of savings only, so that they can appear in search results showing them paying an above-market rate. But beyond that modest initial amount, they pay almost nothing. Of course, they keep this fact well-hidden; indeed, they are the only financial institution I've ever seen that doesn't post a savings account interest rate chart anywhere on their website.

Interest rates on savings, money market accounts, and certificates are insulting, compounded by a poorly designed website and abysmal phone service. What's not to dislike? Ironically, a credit union, which supposedly serves its members, performs worse by almost every metric than the most money-hungry bank.

I give Gesa Credit Union the worst rating ever. They are horrible. We've had insurance this whole time, and we keep running into glitches. They keep trying to charge us for insurance. Companies, and especially this credit union, have no integrity. Do not use them; they are the absolute worst. I would give them negative stars, but I had to choose a rating in order to post this. Beware, stay away from Gesa Credit Union!

One of the worst CUs in WA. Supposedly a CU but operates worse than a bank. They usually won't release your direct deposit paycheck on the day it was transmitted to them because they use your money for their "FLOAT."
Fast cash is also a burden as they will charge you up to 35% interest.
Move your money out of this CU!

Great card. Great APR! Couldn’t be happier with this credit card. Gave me a huge credit junk after only a month and a half of having a card with them

“JANE, I’m just trying to help! Says “Vision”, the man who just made my heart rate shoot through the roof. I had callled Gesa for help making a simple transaction, depositing some funds from my account to another Gesa members account. It’s usually so unprofessional with these people, so I’d tried to do it online for awhile, it didn’t work, so I had no choice but to play Russian roulette with my afternoon, and psyche. I’d called earlier and was helped by a lovely woman, who listened, but I needed more information to seal the deal. This was a problem “helper” I stated my business,, but he straight out had to start with “You didn’t clarify blah blah, and you should have”. The entire experience went downhill rapidly, with him insisting that I’d asked for help with something the exact opposite of what I’d wanted. He refused to help, but kept chanting, maddeningly
, “I’m just trying to help”, interrupting me, using my first name while doing it, patronizing, gas lighting, and finally just lying to support his strange behavior. Does Trump work at Gesa now? The worst was him refusing to help, getting passive agressive digs more important than listening, and refusing to help, but saying the opposite, to hide from any accountability. Of course i]it would be awful if I was short with someone who really WAS “trying to help”, but if he had to lie to support his feelings, hello? And why I’d i have to play therapist to someone who gets paid to help people? I had told him it had been a long, frustrating day, trying to complete this transfer, so I’d called instead. His version “ was that I’d called to “ask him to explain to him how to do it online”. I was begging him to not even mention the online mess, but no, he wouldn’t stop, and became aggressive that I just wanted to transfer the darn money. I know him. He’s everyone’s early toxic mansplaining,gas lighting, cowardly guy, who uses his position to try to feel some personal power and try to make women question their reality, and when they get annoyed, he can gloat,”she’s hysterical, ha ha” ,get the popcorn ,grinning ,and then ,question her annoyance by saying once again, Ha you don’t see the reality, stupid, I’m “just trying to help”.
I did say, as kindly as possible, that him raising his voice , interrupting me instead of listening, that I’d prefer he not use my first name to do it, I didn’t know him! Uh, oh, he didn’t like that! I just found it creepy, “JANE, blah blah, helping, blah blah, JANE!” like a creepy boyfriend. He sulked, then in a sarcastic, snarky voice, VISION says “how would you PREFER I address you?” ( misogynistic slur inserted here) Oh, maybe something like “Ms -my last name?” He found that as crazy as everything else I’d dared to say ,the message being that IM a hysterical, out of control woman which I do probably sound just like at this point. I guess it’s too hard and pointless to ask a business like this Gesa to hire people interested in helping, instead of picking pointless FIGHTS about what members want. Only VISION, it turns out, sees understands, is trying to help, all the world, by defining all of our realities. How did I make it to this age, without his x-ray insight? Life is hard for most of us, heck, if I could morally unload on innocent parties, slipping cruelty and lies in, then hide, ... nope, couldn’t do it. Too dangerous, someone could really get hurt. Unfortunately, I’ve had experience, I can smell a toxic misogynist a mile away, but imagine he has a young, innocent girlfriend, who’s buying his junk, horrific, chronic abuse ruins lives, and he’s playing for the long haul. He’ll have to try harder, though, still completely transparent!
Hope you’ve all been getting normal help, instead of sandbox “fighters”,.

So, I’m venting. Once I my heart rate returns to normal, and I’m over grieving my day being ruined, far in the distance, I’ll make sure I never have to deal with such bad manipulative behavior like this, and will transfer online, but VISION would be the very last person I’d ask to “try to help”.

One of the best cards for cash back. Very simple and the bank is also great. The people there are very nice and willing to help you achieve your financial goals.

ABSOLUTELY THE WORST 'WHATEVER YOU WOULD CALL GESA" on the PLANET! If you want a bank from the 1800s where nothing is automated and you literally have to let GESA OWN YOUR BANK ACCOUNT before being able to setup any autopay for a loan when you have them financing a truck... My credit is almost perfect and this place is costing me 7 yrs of bad credit. But ....Im honestly so mad right now I dont even care anymore! So, this weekend I went and purchased a replacement vehicle and told them to come get the one I have a loan with them on ...So, I huess they will come get the one I stopped paying on because I simply refuse to continue doing business with this trashy place...... I think it will end up saving me in the end.
1. no customer service.
2. doubled my monthly payment unjustifiably. Due to a CPI issue where the insurance guy fraudulently sold me a policy. So a fraud will ruin my credit.... but GESA is helping lol