Baxter Credit Union Avis 28

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.

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.