Randolph-Brooks Federal Credit Union is more than just a bank. It is a financial cooperative intent on helping members save time, save money and earn money. Whether it’s opening a first account, buying a car, building a dream home or planning for retirement, their team of dedicated professionals are here to help you achieve your goals and build a strong financial future.
RBFCU (rbfcu.org) has 184 customer reviews on Five Star Index, with an average rating of 1.3 out of 5.
Also known as
rbfcu.org
Website
rbfcu.org
Category
Credit & Debt Services
Location
Live Oak, Texas
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 82% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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Absolutely the worst place to try and open a business account. Was in a process for over 2 weeks and they have continued to ask for information that was previously submitted. VERY UNORGANIZED! I only write this to inform anyone thinking about opening a business account to take your business somewhere else or you can try here and waste your time.
Response from RBFCUFeb 25, 2026
Hi, Vincent. Thanks for reaching out. The back‑and‑forth you described during the business account opening process sounds frustrating. We understand how repeated requests for the same information can feel disorganized and waste valuable time. Your feedback has been shared with our team and if you’re open to it, we’d appreciate the opportunity to review what happened. We'd love the chance to see if there’s anything we can do to help.
TR
TX R.
Just rude
Just rude, snotty, unhelpful, unprofessional tellers, customer service people and on the phone they’re just as rude. Instead of apologizing for the inconveniences they cause, like good customer service, they rude and nasty. Also when I became a member 20 years ago this bank was good. Now it’s just like every other crappy bank. The people act like they’re better than you, like you’re below them.
Response from RBFCUJan 16, 2026
We’re really sorry to hear this—that’s not the experience we want for anyone, especially a long‑time member. Feeling dismissed or disrespected is never okay, and your feedback will be shared with our team so we can address it. If you’re open to it, we’d love the chance to learn more and make things right. Please reach out to us directly at [email protected]. Thank you for taking the time to share your experience.
MS
Marissa S.
I hate there is no 24/7 line to help…
I hate there is no 24/7 line to help out even when IM MILITARY OVERSEAS AND WANT TO CHARGE ME EXTRA SHIT WHEN IVE ALREADY Provided PROVE OF MILITAY MOVE ! I hope other know to never bank with this bs of a bank.
Response from RBFCUFeb 5, 2026
We’re sorry to hear about your frustration and sincerely thank you for your military service, Marissa. We understand how challenging it can be to manage accounts while overseas and would like the opportunity to review your situation. Please contact our Member Service Center at [email protected] so we can assist you directly.
CW
Charles W.
Go to Pay Mine
Not worth it ! I'm absolutely disappointed with the service i have received so far .
Response from RBFCUFeb 5, 2026
We’re sorry to hear that you’re disappointed with your experience, Charles. This is not the level of service we strive to provide, and we appreciate you bringing your concerns to our attention. We’d like the opportunity to learn more and work toward a better outcome. Please contact us at [email protected] we can assist you directly.
MJ
M J.
Look for another Bank for Business Accounts. HOT MESS!
It took them almost a month to open my business account. Approximately 28 days, to be exact, after turning in all of my business documents. In addition, I tried to apply for a business credit card, and they wanted my last year's tax returns, including the new business tax returns, and other hoops to jump through. So I gave up and applied for an AMEX business card and got approved within 10 minutes for $10,000. Which is all I need for my business. No thanks to Randolph. Just recently, I made a capital contribution to my business, and all of a sudden, my mobile app didn't recognize my username and password, so I had to contact Randolph Brook's fraud department to inform them that my personal check, which was signed by me, to my business is a capital contribution. I had to jump through hoops to obtain a Funds Verification Letter from USAA to send to Randolph Brooks' fraud department so they could unlock my Mobile/Online account. Probably a 1-2 week turnaround to gain access to my Randolph Brook's business and personal checking accounts. While I wait, my business is at a standstill because I cannot deposit or transfer funds to keep my business running. Such a hot mess.
Response from RBFCUJan 6, 2026
Thank you for sharing your experience with us, M J. We’re sorry to hear about the delays and challenges you faced while opening your business account and accessing your funds. We can see how frustrating this must have been. Business accounts and credit products do require additional documentation to ensure security and compliance, but we understand the process should feel smooth and transparent.
Regarding the mobile access issue, security is a top priority for us and we appreciate your patience while our fraud team worked to protect your accounts. If you’re open to it, we’d love the chance to make this right. Please reach out to us directly at [email protected], and we’ll work with you to resolve any remaining concerns quickly.
DJ
D. J.
Customer service non existent
Horrible Horrible Horrible!! Customer service!!!
Response from RBFCUDec 17, 2025
We’re really sorry to hear about your experience—it’s definitely not what we aim for. Your feedback matters, and we’d love the chance to make things right. Can you please reach out to us at [email protected] so our team can help? We look forward to hearing from you.
JM
Jaq M.
No 24/7 hotline for fraud.
Been using it for 6 years. I checked for an emergency number for two fraudulent charges on both my checking and savings. This has to be the only bank who has no number to call to report these things without having to call specifically monday through friday. Excuse me, what? I am terrified i wont get help, bc according to the reviews, people are t getting their stolen money back. Why don’t you people have a fraud line that’s 24/7??? What useless bank is this?
Response from RBFCUDec 17, 2025
We’re so sorry for the stress this has caused, Jaq. Fraud should never waits, and we want to help you resolve this ASAP. In the meantime, please report the fraudulent transactions by:
Logging in to your account (online banking or mobile app), locating the transaction you believe is fraudulent, selecting “Report Fraud” and the following prompts.
For immediate assistance, please call us at 210-945-3300 as soon as you can so our team can look into your case. Thank you!
DE
Dez
My interactions with RBFCU have been…
My interactions with RBFCU have been minimal due to my limited use of the app and account. In contrast, my daughter has actively utilized their services for approximately four years and has encountered numerous challenges with customer service. A straightforward request for a new debit card has turned into a frustrating ordeal, often resulting in over three weeks of waiting and repeated follow-ups, only to be told that a new card will be sent with a "RUSH" designation—despite the fact that the last two cards were not expedited as promised. The lack of acknowledgment or empathy from the representatives has been disappointing. While I do not expect apologies, a touch of understanding from the agents would be appreciated. After this experience, I cannot recommend their services.
Response from RBFCUDec 9, 2025
Thank you for sharing your experience with us, Dez. We understand how frustrating it can be when a simple request turns into repeated delays. Your feedback is important to us, and we take them seriously.
We’re reviewing this situation to identify what went wrong and if you’re open to it, we’d like the opportunity to address this promptly. We will be reaching out to request some additional information but you can also reach us at [email protected]. Your input helps us improve and deliver the level of service our members deserve.
