This credit union sucks!! This credit union sucks!!! They sent me an email offering credit card consolidation so I applied. The denied it due to too much debt. No kidding, that is why I applied for consolidation with lower interest rate. I've never been late or missed payment on my credit cards. Then yesterday in the mail they sent me a different offer and to call credit before 03/11/2024 to confirm. So I called and they informed me the offer is no longer valid. What a freaking joke this place is. I've been with them for many years. Time to find a good credit union

Disappointment My name is Silvino Pires, I’ve been a member of RBFCU for more than 10 years, and I currently have 4 accounts at this bank. I USUALLY keep a MINIMUM balance of $10k among my accounts. I also have a master credit card from this bank and a personal line of credit. I also move over $330k a year thru my business. Well, I want to say that my rates with either the credit card and credit line are the worst possible going from 11% and up. I’ve tried loans with RBFCU and have been declined a few times. When I was approved, the rate was a rip off. Some of these loans have been approved by other institutions such as Capital One, Ally, GM Financial, and Credit Human for a much lower rate than my own bank. A couple of times RBFCU have put me in very inconvenient and embarrassing situations. This time was the worst: a former partner, which I had a joint account in this bank in the past, made a transfer of $7k to my account (same bank transfer) on Saturday April 20th, and the RBFCU put a hold on the money for a few days. On April 22nd I realized they also froze all my accounts and cards that I and my employees use to run my business. I had to stop all operations because my employees had no way to run without the money. I went to the branch and I also called the fraud department unsuccessfully because there was nothing they could do about it. They told me that my friend who made the transfer had to call in and release the deposit he made. This took him another extra couple of hours on hold (terrible and inefficient fraude department service). Most of my business day was compromised. Finally after my ex-partner talked to them they released my accounts but guess what? They pulled the money ($7000) back to my friends account. This morning I called my friend, and told him I didn’t get the money. He transferred the money again to my account, and the bank put another hold on my money. For me, This seems like a joke. They must be playing a game with me. I find it extremely ridiculous to put a hold on a legit transaction between two members in the same bank, and freezing all my account and cards is way out of boundaries. There’s no reasonable explanation for a bank to do that. It’s irresponsible, offensive, insulting, financially harmful, and injurious. I have called the bank fraud department today, and requested that the person in charge calls me and give me an explanation of how The bank is protecting me freezing all my accounts. Explain to me what freezing all my accounts and cards, have to do with a “suspicious“ deposit. I’ll definitely post here their reasonable response if It’s a reasonable one.

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.

Sadly RBFCU is no longer the best. I have not been able to use the "Transfer Money" feature. I get all the way to entering the one-time code they send then ...nothing. It isn't working for me. Since Wednesday, today is Saturday, I have called for help everyday. No response. Even this morning I call and wait for a representative and the call is disconnected. Also used their email for customer service on Thursday. Finally get a reply to my email. They wrote back "We apologize however we are unable to review or discuss account specific information via this avenue of communication because it is not secure.". At your convenience please call us. Still shaking my head at that. **Read RBFCU reply, below.**

this is actually the bank i use this is actually the bank i use. and have used for nearing 10 years, good bank zero fees no interest deductions. honest upfront staff. only downside, overdraft fees are a bit high, overdraft by 1 penny get a $27 overdraft fee. be 5 stars easily if the overdraft fee wasnt rediculous, but other than the overdraft fee i can find no fault in this bank one of if not the best bank myself and my family members have used