This bank literally hates you This bank literally hates you. Your money isn't yours, your cards aren't yours. They will lie to your face. Feign polite ignorance, Misrepresent your problems. They're basically scum bags on the level of a politician or lawyer. I explicitly told them not to replace some cards, they did it anyways sending me scrambling to the bank to get rent money. The fact that these people will do the precise opposite of what you tell them to do, smile while doing it, and say "Eff off that's your problem" is insane. I will be paying off my credit card and moving to a new bank.

There are better… My opinion and personal experience is that RBFCU, about 12 yrs ago, was a well run credit union. It’s since become a low-rate, substandard bank where you’re no longer a person who they actually benefit from having as a customer who deposits funds, but a number that they now consider a nuisance when you call for help with an issue involving THEIR services. However, putting aside that their ATM at the 6475 Baywater Dr location was out of service/out of money today and that they affiliate with 3rd party entities who’s credit card rewards services are inconsistent at best (“We cannot access uChoose Rewards. Please contact us at 888-999-4355.”), I expect to receive a response that tries to apologize and put me at ease about my sentiments for RBFCU - perhaps, an AI driven response? Don’t bother. It’s almost insulting and a waste of time. Anyway, I have my money and my confidence with a different credit union and I’ve witnessed the difference between the two.

Locked out of my own account. Long story short, the fraud department is ridiculous and does not understand large wire transfers. I was attempting to purchase a rare car out of state, got it fully inspected and was satisfied with the results and submitted the transfer for a wire purchase for about $20k. The fraud department called me, which is fine of course, and I walked them through the transaction, and we hung up, I assumed everything was good. About 15 minutes later, they called back and refused the transaction, calling it fraud despite just talking to me. Fine, I'll figure out transferring cash to another bank account and do it that way. Lo and behold, RBFCU locked me out of my own accounts as well, including any electronic payments. I call them back, and they refuse to give an explanation other than "Your access will be returned once our investigation is complete which takes about 10 business days." Utterly ridiculous. I ended up having to physically go to the bank, and pull money out to put in another bank account just to pay my normal bills. Needless to say, they have permanently lost my business.

AVOID AT ALL COST! I started a personal loan with this company. I sent them multiple pieces of income verification, and every time they were asked for a new verification source when I’ve given them all information that I had up-to-date they still denied me. I made a call with the associate about how long I had to get this information into them and was told 60 days the application closed within 30 days. When asked to hear the messages they would deny me and said I need to subpoena them, this bank has not tried to work with me at all, even though the information they’re asking for, is very easily shown through their records, if somebody would actually take the time and look, but they never even compiled information together until the very last minute when I was asking them about this absolute garbage of a bank don’t waste your time don’t waste your energy. When you ask for help, they get snarky on the phone they put you on hold forever garbage I will be closing my account as though my little money matters to them. I doubt it but for my personal sense of well-being I can’t deal with this stress any longer with this bank .

Unjustify hard credit pull Please DO NOT use this bank. They did a hard pull on my credit without even discussing whether the loan I was applying for would fit my needs. They are unresponsive and care nothing about client satisfaction.