RBFCU – Austin

technologically, way too far behind at this point. the website is sub par, the bill pay system is not great, and the atm is terrible. a night drop is way too old school you need to update your stuff. nice people though.

Their app is so delayed that I thought I had funds in there that were no longer there. Smacked with two overdraft charges, meanwhile the app’s notification feature does nothing to notify you of this. If you like banks that do well with online features save yourself the trouble and DON’T go with this bank. I called and politely asked if ONE of the twos fees could be waived because Chase and other banks I have gone to the past have extended this generous courtesy, but apparently not RBFCU. I thought Chase was annoying, but I’m begging for them back. If its one thing I can’t stand is wasted money, and that was 54 $ down the drain for their fees.

Great bank, poor mortgage company. I was 80% towards closing on a mortgage refinance, then I advised I have a MCC that will need to transfer with the loan that had no baring on RBFCU because it’s a 3^rd party agreement. My loan officer shoots me down saying that underwriting doesn’t accept MCC I asked why and to speak with the underwriting department. The loan officer replies with a no means no response. Therefore now I have to start back at square one with another lender. Thanks for throwing away my business, wasting weeks of time, and costing an appraisal fee.

Was hoping to move forward with my bad experience with RBFCU and move on with my life until they went and dug up the past. They inadvertently forwarded me someone else’s confidential information, further highlighting their unprofessional conduct and lack of attention to detail. I sent them the following email back:
You have the wrong person on this email.
Also, the hatred I have for your credit union runs painfully deep. I was hoping to not have to encounter another iota of contact from you or anyone associated with you. The amount of nonsense you caused by first pre-​approving me, (even after I verified in person my situation) then rejecting my application based on the initial facts given and ultimately choosing to ignore my last email despite me providing everything you asked for, was so unprofessional I will forever burn with bitter contempt for anything plastered with RBFCU.
On a lighter note, I got the condo! Was provided with a loan from one of your competitors that is almost paid off. It’s almost like being a real human being, with an xxx salary, perfect credit and tangible assets is worth a crap to someone.
Appreciate the level of client confidentially.
Stay classy RBFCU. Especially you J.Th. Looking back over your email etiquette is painful. Like a child with a magnifying glass cooking ants on a dirt road with oncoming traffic.

WORST LOAN PROCESSING EVER!!!
The buyers on my house had everything turned in weeks before closing. RBFCU waited to order the VA appraisal until after the option period– knowing it takes a while to upload. Even when they got it with a day to spare they failed to get the loan processed on time. We are currently on our SECOND extension and they are asking for a third. DO NOT USE THIS LENDER if you are trying to close a contract in 30 – 60 days.

I do NOT recommend RBFCU to anyone! I had an account with them in the past and a company put a charge on my debit card after I specifically told them not to but they did anyway. Hot
was the company, They had asked me If I wanted to purchase this shirt for $ 21.99 I told them bluntly «No» and yet Hot
STILL charged my debit card the money. Being that I am a college student I have to save EVERY amount of money I can, the only reason why I bought one shirt is because it was my birthday and I had extra money to get myself something. So, I call RBFCU and they said that they could not cover it due to the fact that I willingly gave out my debit card information. Okay, well still charging someone’s debit card when they specifically asked you NOT to that IS fraud you idiot! She was very rude and ugly to me. I have NEVER seen such unprofessionalism and rude ass people that work for a credit union. So I finally yelled at Hot
enough to get them to refund my money and then I closed my RBFCU account… Also, my mother joined them about 3 weeks ago and she never got her debit card until she had to go up there and ask them for a new one. They never called her to tell her that it had come in, it was there yes, bu they still should of called her. Boycott this company! go to UFCU they are better!

Gotta recommend it and glad I got my money out of Evil Financial Institution (which it turns out doesn’t have branches in Austin, anyway, so I guess that made it easy.)
Point the first:
You get .10 cents back every single time you use your debit card. As a not-​exactly-​wealthy nonprofit employee, this adds up to FAR more than I have EVER received in interest from any checking or savings account. You get a chunk of change back once a year (February or March). It’s not huge, but I’ll take it. Few are the banks that offer you actual benefits any more.
Point the second:
They decided to cancel all debit cards en masse after the Target fraud thing as a precaution. This was a little irritating for me, because I have a lot of bills autodeduct using the card number. But of course I understood it was probably prudent of them. Problem was, they never said exactly when the new cards would be sent. Turns out I moved and changed my address exactly one day after they mailed out the new cards. .. and they don’t forward that stuff anyway. So I never received it, and then one day my card stops working. I was w/​o a debit card for about a week and a half, which is awful for someone who never carries cash and is trying not to use credit cards.
Kudos to their customer service — they FedExed me a new card overnight. It was supposed to be a $ 35 charge for the «rush service» (would otherwise have taken up to two weeks) but when I politely asked that they rush it and waive the fee, THEY DID, no argument, just checking with a supervisor. Props for doing customer service right. I really, really appreciated it and have my card back in hand.
OH YEAH: When I was first trying to choose a credit union in the area I would drive by the sign («RBFCU») and mentally refer to it as «Really Big F@&8ing Credit Union.» I tweeted this while soliciting input from friends. Then RBFCU’s twitter account *responded* — and completely played along with it, all in fun, rather than being a Stern Corporate Presence. That kinda sold me right there.

I love this place and I’m glad I switched over! A new branch opened on Burnet Rd. close to Mopac and when I went in to open an account for me and my son, I was treated with respect. I couldn’t believe no fees and the checks are free! Antime you order new checks online, they are free! I just couldn’t believe it! Only thing is, there is not enough drive thru’s where I live off Metric and Braker but I still love this place — I recommend this Credit Union to anybody!