BCUReviews of bcu.org

Extremely Disappointed – Beware of Dormant Account Fees! I am incredibly disappointed with my experience at this bank and want to warn others about its dormant account fees. Over the past year, I have experienced some financial challenges that prevented me from regularly adding money to my savings account or making withdrawals. Like most people, I believed the money I had worked hard to SAVE would remain safe in my account. Unfortunately, I recently opened my bank statement to discover a $25 dormant account fee simply because there had been no recent activity. Apparently, this fee is disclosed in the account agreement when opening an account in some teeny tiny print that doesn’t get read, but that does not make it any less frustrating or disappointing. A savings account should be a place where customers can confidently set money aside and SAVE, especially during financially difficult times, without worrying that their balance will be reduced simply because they haven’t made transactions. I find this practice particularly discouraging because it penalizes customers who may already be experiencing financial hardship. Perhaps this is something that should be told to the customer while they are opening an account. I imagine they don’t disclose that information because it may not be acceptable to the banking customer. My advice: Read the fine print carefully before opening a savings account here. If you intend to leave your savings untouched for an extended period, be aware that you could be charged for doing exactly that. I am extremely dissatisfied with this experience and would not recommend this bank. Customers deserve transparency, fairness, and confidence that their hard-earned savings are being protected.

I ordered a new debit card . They confirmed my mailing address and said I would receive it in 10 business days. Once 12 business days had passed I called to check the status. Then again confirmed that it been shipped and had been shipped to my current mailing address. Five more business days pass and no debit card arrived in the mail. So I called again to check on the status. That's when they informed me that they had shipped it to an address where I have not lived for more than 10 years. And mind you, I updated my address several years ago. We continue to get mailings from them, but for some reason they mailed the debit card to an address where I have not lived for 10 years. How can this be possible? I immediately called the bank and updated my address when we moved. And twice they confirmed it in this debit card fiasco. Yet, they mailed it to the wrong address. This is an excusable

After 40 years of loyal service o have up..they become increasingly terrible with their service...it got so bad I changed banks..afteru Last experience I'm the bank I realised thier care factor is zero! Their service is not good enough or acceptable. Shame on you BCU I have become the worst bank out there.

Not impressed with BCU. I went into a branch to open an account - they informed me that I would get a $100 Bonus with direct deposit set up. I hadn’t received after 2 months. Stopped in and EN informed me that I had to reach $1000. I have reached the $1000 in direct deposits and now they will not honor it. I reached out via email no response. I called the customer service number and they will not honor a promotion. I will never use this credit union again and will be closing out my account promptly on Monday morning. I have not had one good experience with them and frankly I will put my money in a credit union that has higher ethics and morals and stands by what they say. Terrible customer service and dishonest.

Opened a checking account with BCU, set up direct deposit, then attempted to apply for an auto loan through them. Loan was denied. Fine. That happens. What happened next was absolutely unacceptable. Immediately after the denial, my existing checking account was suddenly restricted and I lost access to my online banking and deposited funds. No proactive notification. No fraud alert call. No secure message. Nothing. I had to spend over an hour of my day sitting on hold just to figure out why I couldn’t access my own account. Then I was told I needed to resend my ID, Social Security documentation, utility bill, pay information, marriage certificate, and prior identification through EMAIL to “verify eligibility” for an account I had already opened and successfully funded with direct deposit. Even more concerning, I was told the auto loan inquiry would be a soft pull, yet a hard inquiry appeared on my credit report. The issue is not that the loan was denied. The issue is the complete lack of communication, the restriction of access to an already-established checking account, and the expectation that sensitive personal documents be transmitted through unsecured email just to regain access to my own money. Fraud prevention is understandable. Poor communication, unnecessary account restrictions, and handling sensitive information this way are not. Extremely disappointing experience, especially from a credit union affiliated with my employer.

Do not open an account with this bank, they are terrible! Do not, I repeat, DO NOT bank here, they do not care about you or your well being. I have been with them for 10 years and I have problems with them every single time I call. I have property in Mexico and travel often. Over the last three years I have needed to replace my debit card 3-4 sperate times due to my account being compromised, BCU representatives gave me no options other than standard shipping. They do not offer Overnight services for anything and when you deposit a check, they will hold your check deposits for 21 days with no reason because by law they don't have to give you one. They will not help you when your in an emergency either! I am currently stranded in Sinaloa, MX with a boken down truck and they will not release my check funds to me to get my truck out of the shop and get back to Mexico. They are holding my money until 5/5/26 because they listed the check fraudulent. This check came from my mom. I called them the day I was going to deposit it to let them know it was going to be deposited and I needed the funds immediately and I sent them 2 months worth of bank statements, multiple screen shots, and I even had my moms bank write a letter with the check transaction, copy of the check. I sent them everything that they requested. Every time I called, they wanted something different and each time I sent it they still said they were goin got hold my check even though its not fraudulent. This is the story they are sticking to over a check from my mom which also has the exact same address on it that is on my banking account at BCU. Needless to say, I am ending my business with this bank and going to another credit union.

Deceptive marketing. They will constantly change their terms on you to make sure you're not eligible for the promos they have listed. Rather than own up to their mistake, they decide to take it out on the customers.

Very poor customer service. They will lure you to be member by opening promo with wearied rules. Online application will tell you that promo is successfully applied and than later they will not respect their own website accepted promotion. Stay far away to protect your hard earned money.