RBFCUReviews of rbfcu.org

RBFCU has the worst credit cards in the business. It is a running joke here in South-Central Texas. Now they are changing but after this debacle so am I. Going to a local bank rather than a ‘Too Big To Care’ CU. Update: The RBFCU response is the typical canned BS one would expect from a ‘big company’. If they bothered to check the transcripts of the communication they would not suggest that as the remedy! 🤡 🌎

I deposited a $10,000 check online, 02/04/23 where I have a $10,000 limit on deposits. I then received an email stating that $4400 of that amount would have "delayed availability" and would be available on 02/14/23. After calling customer service for an explanation for the hold I was told that this was the new procedure, without any explanation for the reasoning behind it. I have deposited checks in the past with no issues. I was told they would review the deposit and I could possibly have MY funds credited by the end of the day. Also going forward, any large deposits will be held and I would have to go through the same process of calling customer service,sitting on hold, and maybe getting my deposit credited sooner than 10 days from date of deposit. If this policy does not change I will be looking for another bank soon.

RBFCU has been becoming worse and worse over the years. They stopped accepting change unless you use a third party service with a fee (5%). When attempting to utilize the point system on their credit card, they chose the least convenient option. Every other rewards card I use allows you to just cash out all of your points. RBFCU uses an online market that forces you to slog through a terribly designed interface to add multiple values of your cashback ($5, $10, $20 at a time) to a cart and then checkout. Don't have the full $5? Tough luck, you can't cash those points out. They released personal financial information to a third party without my consent during a recent mortgage transaction with them. Just today, I attempted to make a payment to the mortgage I hold with them, and their system applied it to my credit card instead of the loan, and they informed me that there's nothing they can do about it until the credit card company processes the payment. They can't stop a payment that they made incorrectly just a couple of minutes before they were contacted. Additionally, they can't set up anything to deal with it automatically; I'll have to call back tomorrow to get them to correct it. When asking if there was a complaint form I could fill out, I was told their WAS, but nobody knew where it was, and I'd have to call in to fill one out. After calling in and finally getting ahold of a human, they were completely impossible to understand. The level of frustrations in dealing with this credit union have become tremendous for even the most basic transactions.

I was removed from my joint account with my husband without permission. They didn’t close the account, just removed me and gave him all the money. Be careful with a bank that thinks they can decide how to disperse your money.

Had over 50 fraudulent charges on my debit card AFTER reporting it lost/stolen. Never received a new card yet charges were being made on the new one. Not only was a criminal going ham on in-store purchase IN MY NEIGHBORHOOD they were making withdrawals AND deposits as well as trying to cash checks in ATM's. RBFCU NEVER contacted me regarding the situation as I did not know until checking my online bank statement. They literally allowed this nonsense to happen and now I'm locked out of my account, my bank account has been drained and RBFCU can't even assist me with anything. I'm flabbergasted and peeved off so much at the lack of empathy and competency from a bank. From in-store to over the phone I cannot get a straight answer from anybody. All of my direct deposits are going into a negative hole and I'm the one being screwed for the bank not securing my funds.

My wife and I got a home loan through RBFCU. Not only was the rate 0.787 (2.875 rate locked in February, 2022) better than the builder preferred lender (30 day rate lock only) ,RBFCU extended their 60 day rate lock all the way through closing for no extra charge (October, 2022). The builder set up Closing initially for April and then without warning delayed it indefinitely. RBFCU saved us tens of thousands of dollars. Nobody else gives an 8 month rate lock. We would have been stuck with a 7+% loan or lost the house (took 21 months to build) completely, if we used the preferred lender.

If I could write a -0 review I would! They pay bills when they want to - charge you the $24 and claim their bill pay is “optional” despite us having the overdraft funds! I recently complained they weren’t informing us quickly enough/timely enough to allow us to move funds to cover checks - but they were charging me - of course after the fact - and interestingly they now text me with enough time to correct overdrafts - which before left me penalized. Of course they said they weren’t able to fix that fee - because they’re liars and bc they won’t, not bc they can’t. Today, they claimed my acct was nearly $700 overdraft but they didn’t show what the $500 was. The person finally told Me the situation- a $500 check came I. But instead of showing the check and paying it - cuz that’s what overdraft is about !! - they are just dirt these people! The check is covered but I don’t know if they will pay it. They are the absolute worst!

Update: 12/5/22 They asked me on this forum to direct message them on FaceBook. I did so, and still nothing. They didn't even bother to respond. Like I said, STAY FAR AWAY from this bank! Trash! I've been a member with them for years. Never had a problem. Never had a NSF, nothing. I miscalculated and two bills went through, which created a NSF. They could clearly see I had the funds in other accounts. They decided not to pay it and let it go through twice. Charged me $96 for a single miscalculation. Refused to refund the fees. Told me I had till the end of the day it occurred to make it right. I explained I was out of town, as it was a holiday so I wasn't even checking my account. They still refused. I will never do business with them again. I'm definitely moving my loan and all my accounts elsewhere, so how much money are they loosing in interest as opposed to refunding a fee that isn't costing them anything? Fools!!! You learn something new every day and after all of my years of being a great client of theirs, they are so greedy and short sided so as to loose it all over $96. Find a bank that is reasonable and better yet...one that doesn't have NSF fees. There are plenty of them, I've checked.