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.

Worst bank/ credit union ever! Worst bank/ credit union ever! Will move numbers around so you can seem to be negative just so they can charge you an overdraft fee. Even though you go and deposit funds before days end.

This is the worst bank ever This is the worst bank ever it used to be an excellent bank now it is just trash. I have been trying to transfer some money out of my account and it always goes back to the fraud department even though my account has been open for many years and I've never had one problem with this stupid bank. I am absolutely disappointed. Disgusted and I regret being a customer of RBFCU. Don't you ever open an account here it is a financial trap.

Not an honest institution at all Not an honest institution at all. Watch your account closely until you find another bank. Go anywhere but here. People are leaving RBFCU. I feel sorry for the people on the phones that have to feed their family by covering for the thieves at the top.

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.**