RBFCU Reviews 

BOTTOM LINE: DO NOT TRUST RBFCU with your money. They are not trustworthy and customer service both in the bank and over the phone is just terrible.

I began banking with them in 2012 when I lived in Cibolo, TX and they seemed OK. Loan rates were slightly better than USAA at the time. Banking service in the Scherz/Cibolo location was never a great experience. The tellers were rude and unfriendly in the banking locations and if any assistance other than basic i interactions were needed, courteous customer service was terrible. For that reason, I primarily used the app whenever possible. Security issues with the log in and app caused me some concern (I work in Cybersecurity), so I stopped using them as my primary bank, only keeping a small amount of funds in to keep the account open. At the time no fees were charged. To be honest, I stopped using the app and the account due to the unreliability of their app. The main problem and final straw is that they apparently initiated some insurance fee that customers were required to OPT OUT of. I never received any communication on this and this unsolicited Life insurance scam with Trustage Life Insurance has been draining my account. While they didn't bother to send notification of this fee...they SURE reached out once overdrafts hit after they drained the small amount in this account. I reached out to them and waited on hold for nearly an hour. When I did get a hold of someone, "Stacy" was very terse and clearly not happy about taking the call. I was professional and stated that I needed to close the accounts, but was concerned about the overdraft fees. She did not respond to any of my questions, and immediately began actions to transfer my remaining funds from a savings account out. While this is what I wanted I still had questions…which she refused to address or respond to. Stacy did not review the account, and did not listen to my request to regarding the account closure. I had to go back on hold while this got sorted with her supervisor. When she returned, rather than answer my questions she simply stated that RBFCU did not sign me up...but rather that I directly signed up for the Trustage Life Insurance policy. First, that is an absolutely untruthful statement. Secondly, when I asked who I could contact to terminate this fraudulent policy she became curt and stated that RBFCU doesn't sign people up (not what I asked). I remained kind and professional with her, but repeated that I did not sign up or approve this insurance. I asked again who I could contact. I was told to contract Trustage correctly and given and an incorrect number. After finding Trustage on the web, I have been on hold for hours with no luck. I am closing all accounts as soon as the ACH is complete. This is really a bad banking organization.

Worse Bank ever for over a year I have requested debit card replacement, I still haven't received one. I am unable to use ATM deposit because of the card reader will not read my card. So I have to go inside the bank I had a check for $1,200 from a national realtor company. The teller helping me I could have ready see that she was going to give me some problems she was very sarcastic and snobbish. Yuri at the 1604/Culebra location. My checking account balance was over $1400 so she could have allowed me to have at least $200 from that check but she wanted to place a hold on it for 7 days I stated okay whatever let's just get this done cuz I need to leave she was taking alot of time for such a simple transition, but she was annoyed from me explaining how much trouble I'm having with the debit card and if they could mail it to the bank branch location and I could pick it up there she wanted to charge me $24 of course a fee....lol anyway as I left the bank because she took 10 minutes to have to type up a letter showing that the hold was going to be placed on the check, I noticed that she ended up putting a 16-day hold. ?? I drove back went to the supervisor the supervisor even questioned it then went to her station and asked her three times to change the date she argued and rebutted with her own supervisor ! She placed him in the same position she did me as a customer. Abusing her position & mental dysfunction of her showing me her entitled power to hold my own money. I have to pay my rent and now I have no money for gas or food just because of this one evil individual who wanted to show me that she can make decisions. I should have driven 30 mins & went to the UTSA/Dezavala Location, I am sure this would have been a different experience. I live down the street from 1604/Culebra and I am always treated with disrespect at that branch it's so very sad to have to drive somewhere else for better customer service....So the motto that they are member owned is not true in my case. That one Teller made it extremely difficult for me and I now have to borrow money for food. 😥 Happy New Year praying God turns it around for my good. As soon as check clears I'm closing my account & going elsewhere for my Banking Needs. 🙏

They're more of a headache than the national banks. Save your time. Abysmal customer service and the rules don't make any sense. Everytime I've had an issue, it cannot be resolved due to their system that wouldn't be an issue anywhere else. So what was the last straw? I got laid off and forgot to cancel a reoccurring subscription. Their rules are that if the account stays negative for 45 days, they "charge off" the account (read deactivate it.) No biggie, I thought, as my next job started quickly and I'd be paid before then. Fast forward to Thanksgiving when I should've had my paycheck (minus the overdraft) and nothing is in my account. I also started getting automated messages stating my account was about to be gone for the reasons previously stated. No one is there on Thanksgiving, so I just have to wait for the next day. Black Friday comes and the paycheck (ACH) is shown is shown but isn't factored into my account. Rage ensues. I call customer service and am told that they are rejecting it because my account is suspended. You mean to tell me that funds being sent directly to the account cannot pay off what is owed? Nope. But we'll send it back to my company the same day so I can try to send it to my savings account that for whatever reason, is still active. Frustrating but still manageable, I suppose, but leaves me without desperately needed funds. Fast forward to Monday and the deposit hasn't been kicked back. This time, customer service says it'll take 2-5 business days starting that same day. And of course my company cannot write a check until they've received the funds back. RBFCU isn't the friendly, local credit union you'd expect. I'm warning everyone I know in real life and online to strongly reconsider using another bank.

I made a one time payment to a company I had a lease with using my RBFCU debit card. Normally, my payments come from another account. The company continued to withdraw money from my RBFCU account stating that I had provided that number to them. I used a one time link that I requested to make that payment. That company stored my debit information without my consent. I disputed 6 charges. RBFCU sided with the company stating they would not pursue the claim! Unbelievable! Not only that, but I have my veterans disability as the only deposit to RBFCU. I am completely disabled. That is what they were withdrawing money from. RBFCU still did not help me. I will be opening an account at another bank and closing this account ASAP. If you are a veteran, they could care less if your disability is stolen.

RBFCU let someone get into my account without verifying their credentials. Now they want me to drive 3 hours to bank with 2 forms of ID and meet them in person. Question is why did they let a stranger hack my account? Writing this do customers can beware of RBFCU and find a more secure bank

I really don't understand, what's going on, with RBFCU bank, right now, of this year, of 2023 because, they use to help, and take care of there bank member customers, i even, been paying, on 2 Randolph Brooks Federal Credit Union, Personal Bank Loans, with know late payments, to them, but the workers in the Randolph Brooks Federal Credit Union, Debit Card, Fraud Department, were taking up, for the merchant, that sold me a bad undescribe, Dreams cd, i showed document pictures, to this RBFCU bank, Debit Card, Fraud Claim Dispute Department, showing them, the bad rip tear mark, on the side, of the back insert cover, and, the 2 bad line scratch marks, on the playing side, on the cd disc, that cause, 2 of the songs to skip, on this Dreams cd, on a undescribe merchandise, and, Randolph Brooks Federal Credit Union Debit Card Fraud Department, sent me a letter, in the mail, on September 27th 2023, and they declined my bank claim dispute, that i open up, with them, on September 9th 2023, on a discogs seller, that rip me off!! and sold me a undescribe, used Dreams cd album, that was not as describe, in the correct condition, and, i'm out of money now, on this return shipping cost, because, this seller said, there not going to pay, on the return shipping cost, so i could get back my $71.45 back into my RBFCU bank account, and the discogs seller, told me, by a discogs email message reply, when i sent them, the return shipping cost, tracking number, on September 27th 2023, and the seller, replied back to me, on September 27th and told me, on the first reply discogs message. Thanks Jason. i will let you know, when the package arrives in the mail. well? that never happen, i look up the return tracking number, on the USPS return shipping receipt, and it showed me, that the seller, receive the return package, on September 30th 2023, at 11:31 AM so, i let the seller know, they got there undescribe Dreams cd back, on September 30th 2023, at 11:31 Am, and, i told this discogs seller, i want my $71.45 back now, seller replied back to me, and told me, he's on a business trip, and he want be back, until tomorrow night, making up excuses, and not giving me back, my $71.45 and, after i told this seller, i knew, what he look like, when i found him, on facebook, under there name, "Jordan Stone" and, when i told this guy, i knew, what he look like, and, i told him, if you don't give me back my $71.45 you owe me, i'm going to get the law involve, of you trying to steal my $71.45 money, you owe me, on this shipping return, i had to pay for, out of my pockets, and, it did not take this discogs seller long, to refund me back, my money, so this seller, must had been in trouble, with the law, in the past, but least i finally got my $71.45 back, from this seller, and, it got put back into my RBFCU bank account, and this Randolph Brooks Federal Credit Union, Debit Card, Dispute Claim Department, should had never declined my bank dispute claim, in this seller favor, when, this seller, was in the wrong, not me? and, a discogs seller, selling me a used Dreams cd, that was not as describe, i'm the bank member, with Randolph Brooks Federal Credit Union, not the seller, that lied on the item description, on this used Dreams cd, they sold me, that was know good, that i could not even re-sell, to another buyer, to make a little bit of a profit, on it, i really don't care for Randolph Brooks Federal Credit Union, Debit Card, Fraud Department, they should always take care of there long time bank members, when they run into problems, and get scammed, online, by a seller, they bought a undescribe merchandise from, when they make a false item description merchandise sell, to me on.

This bank is unbelievably unhelpful. Will fee you to death. Bank Representative stated fees are "required" because the FDIC charges the Bank (RBFCU) and then in turn RBFCU is "required" to pass on that fee to the customer(s). First, all credit unions are federally insured by NCUA (National Credit Union Administration), not the FDIC. Second, the FDIC has absolutely no affiliation with the FDIC. This is a laughable matter. Very disappointed!

This is the absolute WORST credit unit you could POSSIBLY go to. They are extremely difficult to work with, around, or help through anything and they make NORMAL day to day payments and experiences excruciating. If you can go to a different place I highly suggest that you do because if I could give a -100 stars I would go even further. I f**king hate this bank.

My wife and I made an appointment on August 18th for the 26th. This was to come down in person to talk about purchasing some land and move our car insurance over to RBFCU. What a joke! I will not blame the branch staff, but this should have been explained before we made the drive. We walk in and have to explain again for the reason of the appointment. Again, not going to blame the branch staff. We did not see anyone; we are placed in a room while they called a department. Again, we had to explain for the 3rd time why we are here. We could have spoken to this department in the comfort of our home. I find this to be unethical. I won't blame the person we spoke to on the phone. They are only doing their job. My time was wasted, no way I was going to give them my business after this. My wife and I looked at each other and just thanked the person who was on the phone along with the branch staff. I made sure to take belongings out of my safety deposit box. They want to do business over a phone or the net, then say so. I found another party to help us buy the land. RBFCU has lost my trust and respect. I could have closed the deal a week ago. They are good for checking, savings, and online banking. Hence the 2 stars.

Another cheap apology from them. We never even had a video conference. Just a phone on speaker. The person did not even have our details. You cannot bring back the time we wasted. RBFCU has lost its way over the years. No moral compass.

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

I have used rbfcu for 7 years now and at first i was very satisfied. But the last 3 years has been horrible. No one wants to answers the phone and when you do speak to someone the just transfer you back and forth with no answers and no help. They processed to payments of $400 each the money is gone from my business account but the payments were not applied to my cc account, so they basically stole $800 from me.

Your mortgage dept. never offered me any numbers to purchase my second home. All they did was post an apology review. What can I buy with that?

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.

The rep from the call center was really rude and RBFCU always has trouble getting me my money. Rather being compassionate the call center rep was threatening me to accept and denomination.

My account bill pay option has been frozen. I went to the branch on Potranco to ask why and to find out if the scheduled bill was paid. Time 0900.

I was informed the bill was not paid and the branch was not able to help me. I was given a phone number and the branch set up the call in an office. It took almost 30 min before the phone was answered.
I was advised he couldn't help me and I was transferred to another number. Once again I couldn't be helped and I was given another number to call. I called the number and was informed they were closed.

I have been a member of RBFCU for almost 40 years without issues and this really upsets me. I did not create this mess and do not believe it is my responsibility to fix it.
I want the account unfrozen and some answers on the impersonal practice's RBFCU is using.

7 Aug 2023 update i contacted customer service on 7 Aug to discuss this matter. They advised i needed. to update my account credentials and contact bill pay when tis was done. I again drove 17 miles to the potranco branch to comply with the request.
Once updated bill pay was contacted.
One of the bill pay supervisors informed me the bill pay option would be permanently removed from my account. I asked why and was told thats our policy and you will need to make other arrangements to pay the scheduled payment.

I advised this was not right and i should have been told this BEFORE driving to potranco. I asked the supervisor for a number at corporate to file a complaint and was advised corporate Does Not speak to members and i had been given the answer.

If this is true it is no wonder RBFCU is going down.
I know no activity that can move forward without checking the pulse of the members. I am appalled.

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They are a great bank thank you for working with me and explaining I hope everyone can get in the same boat and teach there staff the same information that won’t hurt there customers but thank you Kelly

I am a long-standing customer both having my mortgage and auto loan earlier this year. My credit card was transferred to world card. There was a technical issue and my auto pay did not go through. I called multiple times and in frustration ended up paying off my card. Two months later I received an additional bill and when I asked for a review, they refused to work with me and had me pay $68 more after I had already been told what my payoff was two months previously. I don’t recommend their new credit card services credit card services at all.

Amazing Customer Service!
I received my replacement debit card as the one I currently had was expiring at the end of the month. I was given the 800 number to call to activate my card but was having difficulty. I called and spoke with Kylie today and she not only connected me to the activation number but stayed on the call to ensure everything went through ok. In my opinion, she went above and beyond to make sure everything went smoothly and was extremely kind and friendly as well. Thanks, Kylie!

They stole my hard earn money by posting my paycheck a day late, instead of 1 day early as it suppose to. And they took 4 time of courtesy pay , which is $88 in total, and post my payroll the next day. I called and explained , and they being a smart ass about it. So i went ahead and close out my account with them. Your lost!

We opened a business account at RBFCU for our pasture raised chicken business in 1/20. Recently, we had a number of fraudulent transactions. We reported the transactions as soon as our accountant made us aware of them. However, since the transactions were not reported within 24 hours and no fraudulent transaction have been attempted since the card was closed (the card was closed when we reported the transactions), they will not be investigating the charges nor refunding the amounts. Our accountant didn't flag the transactions for us to review within 24 hours. Just because there haven't been any further attempts at fraudulent charges doesn't mean the previous fraudulent charges aren't valid. The transactions are clearly fraudulent. Any review of the merchants and attempts to contact them would make it abundantly clear. But due to RBFCU's policy, no review of the transactions nor the merchants will occur because the transactions were not reported within 24 hours and no further attempts at fraudulent transactions have occurred since the card was closed. Their own internal policies ensure that we will not be reimbursed for clearly fraudulent transactions.

Do not bank with RBFCU. If you bank with them, you are at serious risk of paying fraudulent transactions. Especially if they are not reported within 24 hours. It seem to me their internal policies are structured to avoid reimbursing legitimate fraudulent transactions.