2/5 Ana J. 1 year ago on Google
I
had
an
auto
loan
processed
through
a
dealership
years
ago
when
I
purchased
a
car.
All
the
paperwork
was
done
at
the
dealership,
and
I
would
get
monthly
statements
from
SDCCU
until
my
car
was
paid
off.
But,
I
also
received
monthly
Savings
statements
for
an
account
of
$1
that
I
never
opened.
This
was
my
first
time
stepping
inside
a
SDCCU
branch
and
I
came
with
2
purposes.
I
wanted
to
know
if
I
did
have
a
Savings
account
with
them
and
if
I
could
open
a
Checking
account.
I
arrived
about
10
minutes
early
to
the
appointment.
The
person
at
the
front
desk
had
me
sign
in
and
then
had
me
go
up
to
the
front
with
her
to
go
over
the
account
options
and
to
sign
the
paperwork.
Now,
I
have
opened
bank
accounts
with
other
institutions
before.
This
was
the
first
bank
where
I
had
to
stand
the
whole
time
while
she
typed
away
at
the
computer.
At
other
banks,
I
would
be
seated
at
a
person's
desk
and
we
would
review
the
intents
of
the
bank
accounts.
Other
banks
also
would
turn
their
desktop
screen
towards
me
so
I
could
read
the
Terms
and
Conditions
before
signing.
The
person
who
attended
to
me
at
her
desk
had
her
computer
facing
her
the
whole
time.
In
fact,
even
if
she
had
wanted
to,
I
don't
think
the
layout
would
have
allowed
for
her
to
turn
the
computer
to
face
me.
Instead,
she
verbally
told
me
some
conditions
and
had
me
sign
an
electronic
signature
pad.
When
I
entered
my
SSN
for
the
credit
check
(which
other
banks
did
not
require
when
opening
accounts),
I
specifically
asked
if
this
was
a
soft
inquiry
because
I
didn't
want
my
credit
score
to
be
affected.
The
banker
did
affirm
that
it
was
a
soft
inquiry.
Well,
she
lied
because
it
did
show
up
as
a
hard
inquiry
affecting
my
credit
score.
The
bank
itself
was
neat
and
quiet
but
the
organization
and
the
banker
I
interacted
with
are
not
transparent
with
their
clients.
I'll
keep
the
account
open
because
it
does
help
me
manage
different
savings
when
they're
in
separate
bank
accounts
but
there's
something
off
with
SDCCU.
Tl;dr:
They'll
run
a
credit
check
affecting
your
credit
score
if
you
open
an
account.
I
still
don't
know
how
a
savings
account
was
opened
without
my
approval.
They
aren't
as
customer
oriented
as
other
banks.
Fees
are
low
if
you
enroll
in
eStatements
and
they
do
offer
better
ROI
for
CD's.
Be
careful
when
dealing
with
SDCCU.