RBFCU – North Austin

They used to be great. Something changed.
If you have a comfortable amount of money and rarely have to worry about a dwindling balance, look at the numerous other poor reviews, I believe there’s something there to be upset about for you.
If you ever find yourself with a low balance, heaven help you if you have their courtesy pay (overdraft) system. Their online banking systems seem designed specifically to drain you of as much money as possible the moment you go below $ 0.
First and foremost, do NOT rely on their online banking to give you any indication of how much money you have. Charges, even fully processed charges, will disappear for days at a time, artificially inflating your available balance. I spoke to a rep about that, and no progress was made, though I was told very specifically that if I make a charge for less than my available balance, I will not get charged fees. This was flat out wrong, and I had screenshot evidence from my online bank statements showing this. They did not care.
Secondly, their overdraft system is set up to double dip on transactions. A charge can be pending in their system, lowering your balance, which causes a second payment to overdraft and charge a fee. Once the pending charge clears, it checks again, and since the balance is lower then due to the fee, it charges the account again for a second fee. Each fee is $ 24.
Using fake numbers here to illustrate my point easily — if you have $ 100 in your account, you make a charge of $ 75, and then a charge of $ 26, their system works in such a way that both charges are considered courtesy pays. I still don’t understand how this makes any sense, but the CS manager was pretty adamant that this is somehow logical. He tried to legitimize this by telling me that, if I had $ 40 and owed 2 people $ 25 each, I could not logically pay one of them and not the other.
I was charged $ 48 for a $ 0.74 overdraft. I knew it was an overdraft, it was an emergency, I understand that I should be charged $ 24. How they can sit back and say that this double dipping is logical and fair, I refuse to understand. Their response is always «you can opt out of overdraft», but their NSF fee is the same $ 24. Based on how the system works, in that same situation, I would not put it past them to have rejected both charges, and I’d still be out $ 48.
I’ve spoken to numerous agents about their system. None of them have explained to me how this makes any sense, they just continually skew logic in their favor. I never had any problems with them or their systems until they went through their banking system upgrade a year or so ago. Their new system is atrocious, and all of their agents must be told that it’s infallible and to defend it with their lives. As soon as humanly possible I will be closing all my accounts with them and removing any association I’ve ever had with them. I used to sing their praises, now they’re a mess of a scam trying to get people’s money any way they can and offering little to no service in return. Their entire online banking system is a fraud, and I would never trust them with my finances again. I’m sorry I ever did in the first place.

I used to love this credit union. I worked for them for many years, I banked with them even when I worked for other CUs as well. I’ve referred people to work there that still work there. And they have just become a bank.
I have multiple accounts and two business accounts with them. My experiences that I’ve dealt with them have ranged from fraud, to mistypes from other businesses to calling back and forth from the car dealership because they want specifics on collateral to making us jump through hoops to get accounts changed/​styled differently. Adding members. And the best way I can put it is just, it’s hard banking with them. I’m exhausted with begging them to help me do things or correct things it’s like pulling teeth. I’ve been so loyal to them for so long, and recently it’s because I have so much tied in with them.
So I’m moving on. I’m up for suggestions if anyone has any.

It’s a nice location, but the customer service is something else. My bf had counted our rent money before we went to the bank to get a money order and it was $ 520 (his half). When the lady counted our money she said we had $ 500. My boyfriend said, «hold up, can you please calendar again?» She said, «sure,» and got $ 520 the second time and said, «ha ha oh well my machine would’ve caught it anyways.» I want to acting casual like that about a mistake that can make a difference in your rent check kind of makes me nervous. I’m not sure how the rest of the tellers are but I did not like this girls attitude.