RBFCU Reviews 

I had the same experience my business partner closed the joint account where I was previously owner with out my knowledge or consent I just went to look for a expected deposit and it was gone account was gone I agree this is illegal and fraudulent I now have a chase business account

We had tax return direct deposited. Rbfcu placed on hold since May 3!! They also locked our account saying we must pay our bills manually! I can’t even figure out what bills since I did everything online! Calling the irs so they can try and help us get the money back from rbfcu while they sit on it for over a month

I agree with the negative reviews here. My family has been banking here for many many years and there are always issues. Most recent is that they let an ex business partner close my husbands business account without his written or verbal consent and without him being physically present. No one called him, nothing. We were previously told that both owners of the account would need to be present to close the account or to remove the partner that was leaving the company. Or bring a letter from the state showing he was no longer part of the company. This is not legal. And I won't even get started on the issue with disputing charges that the partner made on the account after leaving the company. We had to pay that ourselves. RBFCU did not cover it. This bank is a fraud. Don't go here.

Would give a 0 if could. Have been with RBFCU for years. Used to be good service. For second time account locked out. I have to have two profiles--one for my husband/primary--& one for myself. Always sign in on primary--but when have an issue they insist on verifying my husband. He never EVER handles banking so doesn't remember his security questions. We end up having to go to Branch to clear everything up. Keep getting same representative/Erica--who is no help @ all. My husband has given permission for them to talk to me--his wife--who is ALSO on account--but they insist this permission has to be given everytime. Has all gotten old.

ABSOLUTELY THE WORST Credit Union experience I've ever had. It doesn't feel like you're a member of a credit union because they are WAY MORE PREDATORY than banks are. I've only been with RBFCU for a couple of months and already I can't get my account out of the negative balance because they keep tacking on Overdraft Fees. They don't show you any of the problem transactions until after it's too late.

This credit union defines the word "unethical" and should be investigated for their practices!!! I will be writing a letter and sending it to representatives, and other oversight organizations. Something must be done. I know I'm not the only victim of this scam-like activity. I've read enough reviews to see that this is how they operate their business; by taking advantage of their members. I will be opening an account somewhere else ASAP so I can close this one and end the nonsense.

I've been with RBFCU for several years now. At least 8 to 10 years. Tired of their overdraft fee and how display of charges is displayed. They don't allow you to see Charges going through your account if it's not done through your debit card. Which allows them to charge you overdraft fees for charges you can't see that are about to be processed. This should be illegal. Cuz in these cases, I can usually cover the fees if I knew they will be in processed.

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.

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.

I have an auto loan with RBFCU. I had fallen chronically ill that lasted about a year. During this time I was able to keep up with my payments for sometime, but eventually fell behind 6 months. During the 6 months I would call every month to get some kind of assistance. Short and simple they advised under no circumstances do they offer payment deferments, reduced payment amounts, nothing. If you’re someone who could ever end up in a similar situation, I strongly advise to not do business with RBFCU as far as auto loans. Currently they’re attempting to repo my vehicle and have advised I need to pay a lump sum of all the past due amount or they would not except any type of payments. Thanks for reading.

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 .

We have had a terrible experience with RBFCU. Recently, we uncovered a total of five unauthorized ACH transactions on my bank account. Despite calling the customer service and fraud department numerous times to dispute these transactions, we have not received any constructive assistance. After speaking with multiple customer representatives and escalating the issue to various supervisors, help was still not provided. RBFCU advised us to contact Capital One directly, as the unauthorized ACH transactions originated from there. However, when we called the Capital One fraud department, they informed us that RBFCU should have initiated the investigation and contacted Capital One’s fraud department via bank-to-bank communication. We are perplexed as to why RBFCU cannot assist small business owners in protecting their accounts. We escalated the issue again this afternoon and were placed on the callback list, yet we are still waiting for a supervisor to contact us.

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.

They restrict access to your money and customer service is terrible

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.

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.

This is the worst Credit Union you could ever have. Do not trust them with your money. They will never catch real fraud but will freeze your card for no reason and not notify you at all. Also don’t ever use the call back option for customer service they will NEVER actually call back. Stay on hold. I recommend closing your account and going elsewhere.

This is what they advertise: "24/7 fraud monitoring and $0 liability for unauthorized debit card purchases". I have been with RBFCU for over 15 years. And when my debit card was hacked, they refused to cover the fraudulent charges. They actually caught the initial charges and froze my card. And when I called them they found that over $1000 of fraudulent charges had been made within a matter of minutes in another town. And when I asked them if they would investigate they said it was too hard to find these types of criminals. 1 month later, I get a letter in the mail stating that they will not be covering the fraudulent charges after all. So when my husband called to ask why, they stated that we had to file a police report with the stores where the charges occurred and pursue our own investigation. Even after one of their own representatives stated to me that it was too hard to find these kind of criminals. They also did the same thing to my daughter on her account, refusing to cover $800 worth of fraudulent charges. Very similar situation. They have lost our business and our money. And I'm sure they don't care about losing us as just a few customers, but maybe once more people are similarly effected and take the same actions then they will start to care.

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.

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.

RBFCU was able to resolve the issue I was experiencing , my wallet was stolen, and unfortunately all my credit cards and debit cards were used but RBFCU was able to see me clear of all charges, thank you guys for resolving this issue