RBFCU – Austin

I used to love this credit union. I worked for them for many years, I banked with them even when I worked for other CUs as well. I’ve referred people to work there that still work there. And they have just become a bank.
I have multiple accounts and two business accounts with them. My experiences that I’ve dealt with them have ranged from fraud, to mistypes from other businesses to calling back and forth from the car dealership because they want specifics on collateral to making us jump through hoops to get accounts changed/​styled differently. Adding members. And the best way I can put it is just, it’s hard banking with them. I’m exhausted with begging them to help me do things or correct things it’s like pulling teeth. I’ve been so loyal to them for so long, and recently it’s because I have so much tied in with them.
So I’m moving on. I’m up for suggestions if anyone has any.

I love this place. I’ve been banking here since I was 8 and never had any substantial problems with them, compared to the few larger, national banks that I’ve tried and I’ve tried quite a few. Every time I’ve been to any of their locations, I’ve had help, even if that particular branch wasn’t able to help they would a solution to my problem.

This is possibly the worst branch to come to. They are the slowest and most over crowed every-​time I come here. If there is another branch to go to I would suggest doing that. Especially don’t come here on a Friday!

Be aware that if you open an account with them they will do a hard inquiry on your credit which will always have a negative impact on your credit and deduct from your score. We just moved to Austin and wanted to open a local credit union account and was very happy with RBFCU and when we went to open the account we were told they would run our credit– that is perfectly fine, BUT a hard inquiry hurts your score. I have NEVER opened a bank account that did a hard inquiry, a soft one is fine since that doesn’t hurt your score at all and has the same information that they need. Very disappointing. We both have good credit and it would be okay except we just moved here and if we want to be able to buy a house or anything our credit is super important of course so we are just trying to protect it. A few other credit unions I called said they typically do a hard inquiry as well but if you ask them not to then they won’t so I guess our business will go there instead. Just thought people should be aware of this new bank and credit union practice that does nothing but hurts their new members. I also called and asked if we could opt out of it like other credit unions and I was told that it was just their policy now so no, we could not. They are also aware that it does take points off their members credit but they don’t care.

I have always loved RBFCU. I had an account with them many years ago and closed my account because they were no longer in my area and opened up an account with Chase. Well now that I am back in the Austin area… I am back.
I was greeted quickly upon arrival with a smile, signed in and within 5 minutes a personal banker came to help me open a new checking and savings account.
Cool new feature you do everything via video monitor like Skype with a representative in San Antonio to sign up, sign paperwork and scan it into your account. its pretty quick and gives you a personal connection with your bankers because you can actually see them and they can see you while you are doing all your business.
So glad to be back

Super friendly staff — even the security guards are really nice, and always open the door for me. I can’t tell you how glad I am that I switched from a big bank (here’s lookin at you, Wells Fargo) to a smaller, people-​centered banking institution. They are willing to work with you on many different things, and treat you like a person. One time, I forgot to transfer money from my savings to my checking account before buying textbooks, and I overdrafted a shit ton of money. I was able to meet with someone and explain my situation. I thought I was going to be out $ 25 for not being responsible, but she actually asked me what I was studying and took a genuine interest in my education. They waived the fee AND helped me set up the app on my phone (since I’m technologically incapable) so that I could avoid this happening again.
Additionally, I know my parents were able to get a lower rate on their mortgage, and have financed all of our cars through RBFCU. They rave about the service as well.
OH YEAH, the last and probably one of the best things — you get ten cents for every purchase you make with your debit card. This isn’t like Bank of America, where they round up the change (although that’s a great program as well). They straight up GIVE you money. I never carry cash and always use my card, so I get a great return every February. It’s nice that it coincides with my birthday month, so it usually amounts to a new outfit, though maybe I should be saving it. When the time comes to more concerned with saving money rather than little shopping sprees, I’m sure they’ll be able to steer me in the right direction.

If you are a state employee do not even bother to open an account with them, they hold your money way past the first even on Friday’s and Monday’s on holiday’s. They blame the comptrollers office, while other credit unions and banks pay as they are supposed to on the first, no matter what day it falls on.

I am so happy to have switched to RBFCU and gotten away from the evil empire … My fees are about have what they were over at WF, checks are available much sooner, and the employees are actually empowered to help their clients to be successful… YAY !!! Can’t recommend them any more highly…

Just opened an account with RBFCU, should have done it sooner! I’ve been a mortgage banker for 7 years and every client that has had an RBFCU has rave reviews about them. Even those clients with average credit have been able to consolidate credit card debt for a low fixed installment plan therefore allowing them lower there overall monthly debt. I’ve also heard auto loans are great with RBFCU.
It took me about 5 minutes to open an account online, amazingly fast and no hassle!

As far as I’m cocerned, RBFCU is the Cat’s Pajamas. They are so personal with you and actually treat you like you’re a real human being. If you follow them on twitter, the girl will answer you back. Try getting that kind of VIP service from the Devil, I mean Wells Fargo!
Seriously, if you want smaller overdraft fees, easier Loan approvals, better customer service and an establishment that actually works for you and not againts you, you can’t go wrong with a credit union.
If you’re ok paying everyone’s salaries who just want to rape you of your money and could care less wether you end up homeless or poor, go right ahead and keep banking wiht Chase, Wells Fargo or B.O.A… as for me, I’ll keep my money with the people who deserve it. People like me!

Thinking about opening a account with Randolph Brooks? Or Do you Have an existing account with Randolph Brooks? If they don’t like your address be prepared to get shafted goto
and find out what happened to a former RBFCU member and how he got the shaft! THEY STOP PAYMENTS ON CHECKS FOR THE FUN OF IT!!!
Bank Elsewhere, Avoid RBFCU!!!

From the easy parking to the friendly people, I have always found this stop on the old «rat-​killin’» mission (a lovely East Texas term via my dad meaning, to run errands) a pleasant one. There is an armed guard who looks the perfect mix of «don’t f*k with me» and, «howdy, let me get that door for you, m’am». Plus, kid gets a lolly and that makes it A-​OK!

I absolutely love this institution. Granted, this particular location isn’t far suprior to other branches, the whole shebang is awesome. Low overdraft and over the limit fees, good rates, easy online banking and bill pay, quick changes. Deposits are available for withdrawal usually immediately.
I have sent them emails asking them to do things like split my car payment (which i financed through them) into bi-​monthly payments, and it was taken care of in a matter of hours with no complicated paperwork.
My only complaint about this location is that the drive through wait is sometimes slower than I’d like, but probably not much different than other banks. Oh, and the receptionist (kinda angry looking girl in her 30s), always wants to talk about your banking questions in this open area, when sometimes you want to go to a private room. But, you just tell her such and she, in her angry way, has you wait for a room to open up (I think she’s angry because she doesn’t have a private office!).