BCU Avis 

Extremely Disappointed – Beware of Dormant Account Fees!

I am incredibly disappointed with my experience at this bank and want to warn others about its dormant account fees.

Over the past year, I have experienced some financial challenges that prevented me from regularly adding money to my savings account or making withdrawals. Like most people, I believed the money I had worked hard to SAVE would remain safe in my account.

Unfortunately, I recently opened my bank statement to discover a $25 dormant account fee simply because there had been no recent activity. Apparently, this fee is disclosed in the account agreement when opening an account in some teeny tiny print that doesn’t get read, but that does not make it any less frustrating or disappointing.

A savings account should be a place where customers can confidently set money aside and SAVE, especially during financially difficult times, without worrying that their balance will be reduced simply because they haven’t made transactions.

I find this practice particularly discouraging because it penalizes customers who may already be experiencing financial hardship.

Perhaps this is something that should be told to the customer while they are opening an account. I imagine they don’t disclose that information because it may not be acceptable to the banking customer.

My advice: Read the fine print carefully before opening a savings account here. If you intend to leave your savings untouched for an extended period, be aware that you could be charged for doing exactly that.

I am extremely dissatisfied with this experience and would not recommend this bank. Customers deserve transparency, fairness, and confidence that their hard-earned savings are being protected.

I've had nothing but positive experiences with BCU - I was defrauded out of a pretty good chunk of money, and of course it happened on a weekend, and I couldn't speak to anyone in their fraud department. First thing Monday, I called customer relations/fraud/whatever, and the money had already been refunded - fully. I was armed with case law, ready for an argument. Not necessary - they've also gone above and beyond on some other matters. I'm a happy customer.

I ordered a new debit card . They confirmed my mailing address and said I would receive it in 10 business days. Once 12 business days had passed I called to check the status. Then again confirmed that it been shipped and had been shipped to my current mailing address.

Five more business days pass and no debit card arrived in the mail. So I called again to check on the status. That's when they informed me that they had shipped it to an address where I have not lived for more than 10 years. And mind you, I updated my address several years ago. We continue to get mailings from them, but for some reason they mailed the debit card to an address where I have not lived for 10 years. How can this be possible? I immediately called the bank and updated my address when we moved. And twice they confirmed it in this debit card fiasco. Yet, they mailed it to the wrong address. This is an excusable

Wouter was snel ter plaatse en stelde na de schrik van onze klapband onze kids meteen gerust en maakte een feestje van het takelen. "Of we wel eens in de Efteling waren geweest?" Zo werd het takelen een leuk avontuur. Onze zoon zei dat hij niet wist dat hulpdiensten zo vriendelijk en leuk konden zijn. later kwam Wouter snel met vervangend vervoer aanzetten, hij had de auto al meegenomen zodat we niet nog langer hoefden te wachten met nog eens heen en weer met de takelwagen.
Fijn zo een vakman die zijn beroep verstaat en plezier heeft in zn werk

Gr geert

After 40 years of loyal service o have up..they become increasingly terrible with their service...it got so bad I changed banks..afteru
Last experience I'm the bank I realised thier care factor is zero! Their service is not good enough or acceptable. Shame on you BCU I have become the worst bank out there.

Not impressed with BCU. I went into a branch to open an account - they informed me that I would get a $100 Bonus with direct deposit set up. I hadn’t received after 2 months. Stopped in and EN informed me that I had to reach $1000. I have reached the $1000 in direct deposits and now they will not honor it. I reached out via email no response. I called the customer service number and they will not honor a promotion. I will never use this credit union again and will be closing out my account promptly on Monday morning. I have not had one good experience with them and frankly I will put my money in a credit union that has higher ethics and morals and stands by what they say. Terrible customer service and dishonest.

Opened a checking account with BCU, set up direct deposit, then attempted to apply for an auto loan through them.

Loan was denied. Fine. That happens.

What happened next was absolutely unacceptable.

Immediately after the denial, my existing checking account was suddenly restricted and I lost access to my online banking and deposited funds. No proactive notification. No fraud alert call. No secure message. Nothing.

I had to spend over an hour of my day sitting on hold just to figure out why I couldn’t access my own account.

Then I was told I needed to resend my ID, Social Security documentation, utility bill, pay information, marriage certificate, and prior identification through EMAIL to “verify eligibility” for an account I had already opened and successfully funded with direct deposit.

Even more concerning, I was told the auto loan inquiry would be a soft pull, yet a hard inquiry appeared on my credit report.

The issue is not that the loan was denied. The issue is the complete lack of communication, the restriction of access to an already-established checking account, and the expectation that sensitive personal documents be transmitted through unsecured email just to regain access to my own money.

Fraud prevention is understandable. Poor communication, unnecessary account restrictions, and handling sensitive information this way are not.

Extremely disappointing experience, especially from a credit union affiliated with my employer.

Do not open an account with this bank, they are terrible! Do not, I repeat, DO NOT bank here, they do not care about you or your well being. I have been with them for 10 years and I have problems with them every single time I call. I have property in Mexico and travel often. Over the last three years I have needed to replace my debit card 3-4 sperate times due to my account being compromised, BCU representatives gave me no options other than standard shipping. They do not offer Overnight services for anything and when you deposit a check, they will hold your check deposits for 21 days with no reason because by law they don't have to give you one. They will not help you when your in an emergency either! I am currently stranded in Sinaloa, MX with a boken down truck and they will not release my check funds to me to get my truck out of the shop and get back to Mexico. They are holding my money until 5/5/26 because they listed the check fraudulent. This check came from my mom. I called them the day I was going to deposit it to let them know it was going to be deposited and I needed the funds immediately and I sent them 2 months worth of bank statements, multiple screen shots, and I even had my moms bank write a letter with the check transaction, copy of the check. I sent them everything that they requested. Every time I called, they wanted something different and each time I sent it they still said they were goin got hold my check even though its not fraudulent. This is the story they are sticking to over a check from my mom which also has the exact same address on it that is on my banking account at BCU. Needless to say, I am ending my business with this bank and going to another credit union.

Deceptive marketing. They will constantly change their terms on you to make sure you're not eligible for the promos they have listed.

Rather than own up to their mistake, they decide to take it out on the customers.

Very poor customer service. They will lure you to be member by opening promo with wearied rules. Online application will tell you that promo is successfully applied and than later they will not respect their own website accepted promotion. Stay far away to protect your hard earned money.

I’m extremely disappointed with my experience with BCU Credit Union. I filed a dispute regarding a charge tied to a hotel stay that had serious issues, including concerns about mold that were publicly documented. Despite providing context and trying to explain the situation thoroughly, my claim was denied with little to no meaningful support.
What makes this even more frustrating is that I’ve seen how other financial institutions handle situations like this with care, advocacy, and a genuine effort to protect their members. In my experience, another bank I’ve worked with in the past took the time to investigate thoroughly, communicate clearly, and actually support me through a dispute process. That level of service makes a huge difference, especially as a military spouse who deals with frequent moves and relies on financial institutions to act in good faith.
Unfortunately, I did not feel that same level of support from BCU. The process felt dismissive, and the outcome did not reflect a customer-first approach. Based on this experience, I have closed my account and taking my business elsewhere.

I truly hope BCU reevaluates how they handle member disputes in the future.

Jennifer provided outstanding support with my auto loan at BCU. She handled everything efficiently—from taking my loan on March 20 to having the payoff check sent by March 25—allowing my plan to work perfectly with two months free of payments.
I can be a bit challenging with my questions, but Jennifer was patient, professional, and thorough every step of the way. I truly appreciate her dedication and would highly recommend her to anyone needing expert, attentive service. You have to get the right team member that cares. If dealing with BCU automobile loans, ask for Jennifer. 👍

Terrible checking account. Almost all my online purchases are flagged for fraud and then never go through. You have to call in to do anything with your account and the technology is terrible on the banking account

tengo un préstamo de carro con BCU,Carro que fue perdida total pq me chocaron eso fue 12 de diciembre de 2025,hoy estamos a 19 de febrero de 2026 y ya no recuerdo la cantidad de llamadas para saber el estatus y todas fueron "estamos procesandolo y resulta q todo es mentira, he pagado un carro por 2 meses el cual no tengo,a eso súmele que hoy 19 me dicen q no saben a donde mandar la carta de garantía para que GEICO pueda pagar lo que debía y me reembolsen lo que me toca,entonces me mandan la carta a mi al parecer quieren q yo sea quien haga su trabajo en fin tengo tanta impotencia y pudiera decir tantas cosas tiene una estrella pq sino no me dejan hacer una reñena, es increíble que tengas a una persona trabajando y no sepa hacer por lo que lo contrataron en primer lugar. Ah pero paga 1 día tarde y veras como te reportan y te dañan tu credito

I've banked with credit unions for over 35 years and Baxter Credit Union is the polar opposite of what I expected. Credit Unions make their members feel like they are appreciated and tend to offer a more personal banking experience. BCU credit union is nothing like what I expected.

BCU pulled a classic bait-and-switch on my mortgage one day before closing. After weeks of proceeding under one ARM structure and rate, they changed the loan to a different ARM product at a higher rate, when I was already effectively locked in and out of alternatives. That alone destroyed any trust.

I paid the loan off quickly just to be done with them—only to discover they assessed a late fee on a ONE-CENT balance. Yes, $0.01. To make it worse, their website is so poorly designed that it was not even possible to pay that balance online, which is how the “late” fee was triggered in the first place.

Customer service is an absolute nightmare:

Endless automated menus

No clear escalation path

No ownership or accountability

You burn time just trying to talk to a human who can actually fix something

This was not a one-off inconvenience—it was a pattern of poor systems, poor communication, and zero customer empathy.

Between the last-minute loan change, nickel-and-diming over a penny, and unusable digital tools, BCU demonstrated that they are not equipped to handle mortgages professionally. I would strongly advise anyone considering a home loan to look elsewhere unless you enjoy surprises at closing and fighting automated phone trees over trivial balances.

As a long-standing member of the organization for over two decades, I have engaged in numerous business transactions with them, ranging from onboarding new members to utilizing online banking and in-person services. Throughout my interactions, I have encountered no negative experiences. Each representative has demonstrated genuine concern for my needs and provided prompt assistance.
In a recent incident where my account was compromised, the organization promptly notified me and implemented measures to prevent the theft of thousands of dollars. Additionally, they expedited the delivery of a replacement card to me during my absence, ensuring that I had access to my funds. The organization’s exceptional support in this matter has been truly commendable.

My card got stolen over a week ago. Fraud dept was quick to contact me and I ordered a new credit card, and requested a rush order. I was told that the card would arrive in 3 business days.

It did not.

When I called about it today it seems that I was charged the $20 rush fee, but the card was sent via standard mail. After haggling with customer service they agreed to send me another one via “rush” order, so my waiting begins again.

This is the second time this same problem has occurred with my personal card and it happened with my spouse and my joint card a few months ago.

I am tired of the shoddy customer service. Really, really tired of it.

Its on the verge of lawyer time, you are refusing to take my payoff payment for my mortgage despite following all you hoops and hurdles. Every day I am calling in for hours at time trying to get you to fix your errors. As a 30 year member I AM DONE WITH YOU !

This was the worst experience of a bank ever. I've only had issues witht them. I was talking with them and each time I was told it was incorrect information each Representative told me. The only reason I used them was due to me working at target once I left the service was horrible take money whenever wanted to what account and let recurring charges continue to happen and with my overdraft at 1500.00 they let it got that high by also adding over draft charges each time. Wow no control over my accounts what so ever!! Plus money was deposited into my checking but they to9k my entire check towards my loan. How are people to pay bills with your institution controlling MY HARD EARNED MONEY! Wow how you trade peplo with there money as well as giving everything we as the people have.