MY CREDIT UNION

"HORRIBLE customer service, horrible loan terms, credit card benefits are trash. Seriously the employees are incompetent and don’t seem to really understand anything. No overdraft protection, horrible app, the list goes on. Once I pay my loan I am out of here. Garbage."

"Used to love this credit union when it was RBCU. Now that it has changed to My Credit Union, I think the president and board have adapted a policy "MY MONEY". I switched to this place full time back in the SHUFFLE OVERDRAFT FEE era of the 2000s. RBCU was great at preventing fees, and if you didn't have money in your account, guess what, they just declined the payment WITHOUT CHARGING A FEE FOR NOT HAVING MONEY!!! My Credit Union charges fees similar to big banks now. They have lost their neighborhood charm. If you try to appeal to one of the customer service reps about being out of state and unable to put any money in your account, they just respond with "Well you signed the agreement with your terms and conditions, so no we can't give the money back!". It is almost as if the reps, all females at this point, are rewarded for holding onto as much banking fees as possible. Since the credit union is not part of the shared branch initiative (a credit union where you can make deposits from another credit union in the group), they lack any convenience like depositing money into a large banking network, yet come with the same big bank fees you would get with Wells Fargo or BOA. So to make this review short and sweet, go to Trustone Credit Union or another Shared Branch credit union. Also, find one that doesn't like to get off on charging their customers overdraft fees. Or if you like fees, then just go to a bank."

"I have been with My Credit Union (formerly RBCU) for over 25 years. I have read some of the other reviews and I am flabbergasted with some of these. My experience experience has been nothing but stellar. I use the mobile app, in person, drive up and phone calls. Always have had a great experience with anyone I have interacted with and I keep an eye on my accounts for anything weird which you need to these days with identity theft! Ran across a couple of items this way and they took care of them for me! Awesome experience for me from day one! Love this place ❤️"

"Since the switch to "My Credit Union" I've never received such awful service from a bank. We will be moving our accounts, very archaic and customer support is not helpful. We've have numerous errors that we have had to bring to the bank's attention pertaining to balance errors on our accounts and response time is slow and less than helpful. We've been customers for years, but the level of service has depleted so much that its just not worth it."

"The only reason I used any stars was because of the helpful friendly staff at RBCU. I have been banking here for almost 20 years. My chief complaint starts with policy changes and their sudden change to points instead of cash back on the credit card. I just closed my accounts due to the $400 worth of cash back I lost in 2018. Instead, I got an older model pair of headphones worth $80. It was that or a new knife set. If you really like being forced to shop out of a catalog to use your rewards points this is the place to bank! I had my card cloned and They called my phone at midnight and didn't leave a message. It all worked out in the end, but it would have been nice to stop the $4000 dollar charge at Dollar General in Kansas."