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

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.**

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.

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

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.