BCU Avis 

I am writing yet again to express my frustration with the dreadful customer service at Baxter Credit Union. Baxter management has zero regard for wasting customers' time. I have lost countless hours waiting on hold and have often simply hung up after long-drawn-out wait time. And I am not just referring to minutes, I am talking hours.
After finally getting through if you need to get transferred then disconnected is always a frustrating experience. When and it continues to happens, you get to sit on hold again and start all over.
This is not an isolated incident. Baxter's race for automation has resulted in a complete lack of concern for customer time. It seems that you fail to recognize the direct impact of how consumers’ time is wasted while you continue to move farther away from what customers truly want.
Furthermore, there’s your callback system, which leaves customers uncertain about when—or if—they will ever actually receive a return call. It is another way for Baxter to provide minimal real customer service instead of hiring real people to address real issues. More consumer wasted time.
I’ve waiting on hold for over an hour only to find out that the wire transfer department had already closed for the day. This lack of timely support shows that Baxter management never has to deal with disgruntled customers directly. I guarantee that all members of Baxter would not appreciate being treated in this manner.
If you’re willing to give up your life just to wait Baxter out, then perhaps you might eventually get assistance. I did manage to speak with a very helpful representative named Alex, but my issues stem from your systems and the complete disregard for wasted customer time.
I am in the process of transferring all of my accounts out of Baxter ASAP.

Esto es una pesadilla de banco , llevo casi 40 años como cliente de Bcu, y en esté año 2024 y en menos de 3 meses he sido victima de intento de fraude en 3 ocasiones y con distintos números de tarjetas, el banco no me da una respuesta satisfactoria de donde se están iniciando estas transacciones, y lo único que te dicen es lo siento mucho que le halla sucedido esto. Lo cual conlleva a un cargo absurdo de $20.00 por obtener una tarjeta rush, o de lo contrario tengo que esperar de 7-14 días laborables para tener acceso a mi dinero; ya que Bcu no cuenta con una sucursal cerca en el estado de SC . Lo que implica un contratiempo en mi vida normal y si deseo la tarjeta rush debo pagar los $20.00 dólares por algo que el banco no puede controlar, para mi entender BCU se convierte en cómplice de este tipo de fraude quien sabe! A lo mejor hacen esto cada cierto tiempo para incrementar sus ganancias, afectando a los clientes a pagar una cantidad por un servicio que se supone está bajo el control del banco, ustedes se imaginan cuanto puede generar BCU en ganancias con esta práctica de cargar $20.00 por sustituir su tarjetas? Y que le digan lo siento mucho pero no podemos retirar el cargo. Me da mucha pena decir que después de casi 40 años como cliente el banco BCU no pueda solucionar mi problema cuando me está costando dinero el tener una cuenta en esta institución. Robar es robar no importa si viene de los estafadores o de tu banco.

Worst bank to use, I currently have them because of my car loan and I cannot wait for this loan to be paid off. I had an account that was charged off and paid and reopened my checking account to make it easier to pay my car loan which is another mission in itself. They will not let me use the atm or mobile deposit and want me to wait 6 months no thank you once my loan is paid I am out do not waste your time with this Credit union

The absolute worst banking institution I've ever seen. Transferred money from one bank to BCU. Placed a hold on the funds. EVEN AFTER THE FUNDS CLEARED they placed a hold for 8 more days. Asked ME to provide proof that the money was deducted. WHAT? Why is that my job? Talked to a CSR, provided a screen shot of my bank's site AND the cancelled checks with BCU stamp on it. Nope, not good enough. Have to contact my bank to send PROOF. Then the CSR asked how I was going to use the funds? What? How is that any of your business? Finally got to a supervisor, who was a buffoon. Told me I had to send information with my bank account on it VIA EMAIL. Told him I don't send that information via email. He said their "servers were secure". How about all the servers in between? Will be closing my account ASAP. DO NOT USE or be prepared for issues.

Third time this credit union paid the bill then took money back. Charging me fees. Customer service doesn’t help. Can’t understand them.
This is causing bills to be late even paid before due date. This is illegal. Will be leaving this credit union and only few months in

This is the WORST bank to bank with. Please run.... I recently had fraudulent activity on my account. They cancel the cars, which is normal. I was told a new card was shipped May 25th, only to find out June 6th my card was sent to the wrong address. I then spoke with someone who claim they will overnight me a new card, since my rent is late now, however that was June 6th and today is June 7th and I haven't received notification on a email about delivery. I have an account with ups and an account with fed ex to where I can see incoming deliveries. I found out I will not receive my card until Monday evening on June 10th. Meaning I have been put in a complete hole. I cannot get a virtual card info to even pay my rent. To add insult to injury, my overdraft protection was taken away from me for 6 months because of fraudulent activity, which I reported it. Horrible leadership, customer service workers

A customer wrote me a bad check. They told me that once the fees were paid that my account would be fine. They lied. I paid the fees and they closed my account with no warning and caused serious paycheck delays. Don't bank with them! With how they do things, at anytime you could not have access to your money until the payment is reissued from your employer

Had a charge on my card I had no idea

I’ve been with this credit union for over a decade. It used to be a really decent company to deal with. I don’t know why it’s gone down hill so badly. Members Services call center isn’t even open on weekends anymore. Life happens every day not just Monday through Friday! I can’t even call before 12 noon on Saturdays anymore if there’s an issue! BCU has DISCONTINUED shared branch banking so I CAN’T GO in person ANYWHERE to deposit or receive funds as there’s ZERO public BCU locations in my city. Mobile deposit on app is problematic and takes many tries before it accepts the uploaded check information. BCU has closed my account WITH funds STILL in it if I allow my money simply sit until a rainy day when I need it, Inactivity, they call it. I DON’T have to constantly use everything I have! It took forever just for them to reopen my account.

The worst bank in the universe. These people are charging me for an undeliverable title because they refuse to fill out paperwork that the government has directly told them to fill out. They don't record any of the government conversations and continue to play games. 6 months of this nonsense. I'm literally having to sue them just so I can get a single piece of paper filled out that takes about 5 minutes. It is the law and required. BCU is such a bad group. It's going to be the biggest pain pulling all my banking away from these people. What an insult. DO NOT USE THIS BANK!

Not only that but they basically stole an entire car payment from me that I have to fight for. You make a payment, it doesn't apply to the balance, then they ignore you. You need a lawyer just to do business with them. Trump's America. All scams.

After my mother passed, we had to distribute funds from her IRA accounts. One was at Vanguard and the other at Baxter. Baxter’s customer service was truly prehistoric compared to Vanguard. Had to send a PAPER check to my Vanguard account. Then, I needed tax information to complete my US return. Vanguard quickly gave me the info, while Baxter, after 3 different calls where I was promised information, stonewalled me, making my life needlessly difficult. Why deal with such incompetence? Just work with the big boys.

Is impossibly frustrating trying to access funds at BCU. Have had my $$ here for nearly 20 years. Never needed to access my funds -- until the past 2 weeks. Tried using their Zelle, but was blocked trying to make a 2nd transfer in 1 day. Tried transferring funds to another institution in their system, but was declared invalid. The option is for BCU to send me a check. This place is in the dark ages. And they are holding my funds hostage.

Its is great company I have been with them over twenty years

Every month my card gets locked down for an ad payment from Amazon. I've made this payment on and off for about 3 years. I've called several times to note this is an approved payment from an approved vendor. Customer service says they will put it on a list, that worked for exactly 1 month. Then they started doing it again.
Every time I have to call fraud, stay on hold, be asked 1/2 dozen different security questions, approve the payment, tell them this a recurring transaction and this happens every month and then they tell me they can't do anything about it and to call BCU customer service directly, which then is another phone call, another 20 minutes going through security questions, tell them what is going on and have them tell me they'll take care of it, only for it to happen all over again the next month.
I give up. BCU is hopeless.
The only reason two stars instead of one is that their other services have been ok.

This is a great financial institution. They go to bat for you! They helped me find Cash Deposit ATM's. Gave me a Great Loan Deal! It's a shame they don't do shared branch services like other credit unions. But, I have found no drawback to them! They always find a way to help me do what I want!
Thanks BCU!

For the most part Love this institution.

Inability to make cash deposits is inconvenient.