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Why is one of the San Marcos branches of Randolph-Brooks Federal Credit Union (RBFCU) right next to an A+ Credit Union (A+CU)?! I hope that one of them relocates, because while A+CU is part of the sister branch network of which UFCU is, RBFCU is NOT. That is pretty strange: UFCU is the largest credit union in the Austin metropolitan area, and San Marcos IS part of said metropolitan area (!). That said, while it is annoying that a $2 charge is applied to any transaction at RBFCU for UFCU business, the good thing is that RBFCU does allow anyone not part of their financial institution to do transactions there. It is also good that the charge at RBFCU's drive-up ATM machine is not THAT high.
It is quite unfortunate that I have to be mailed a new certificate of coverage from Fred Loya Insurance each month after I pay my monthly bill, and it is also bothersome that half of the time I call my nearest agent’s office during normal business hours I am transferred to the call center in El Paso, TX. Yet the comprehensive coverage is a good bang for my buck, the call center agents are easy to work with, and after having to leave State Farm for a number of reasons Fred Loya saw a treasure in me and took me in. They have worked with my credit union of Navy Army with my automobile loan, they allowed me to sign up for automatic payments from my checking account, and, most importantly, they have a number of “freebies” for customers such as monthly calendars of cars. That last part alone is a major reason why customer should retain business with this company (winks).
Fifth Third Bank was kind enough to accept my application for a car loan after a number of other financial institutions declined. I enjoyed the coupons that they gave me so that I could mail them my monthly payments via check. I also liked that they allowed me a significant grace period from my payment deadline to my late payment due date (which, of course, raised my payment amount). I opted to sign up for automatic payments through my checking account, and that saved me from having to remember my deadlines as well as from paying for stamps, envelopes, address labels and gas to drive to the post office. I didn't have a problem with any of the customer service agents, and when I had to refinance with the Navy Army Federal Credit Union for a lower interest rate, they did not put up a fight and mailed me an “overpayment” check. Fifth Third Bank is one way to go when financing your automobile.
I am extremely happy with University Federal Credit Union (UFCU), so much so that I have both a checking AND a savings account with them. Currently (and as far as I know), it is the largest credit union in the Austin area. It's refreshing to be taken care of via careful customer service at UFCU after I have had so many problems with bank errors (not my fault!) at national financial institutions. FACT: Credit unions are only found in the community that they serve, but as a dual resident of Austin and Corpus Christi I also enjoy that I am able to access my account via sister branches outside of Austin. Another plus is that the application to refinance your car loan is short and painless. I highly recommend UFCU to any person residing in the Austin-Round Rock-San Marcos metropolitan area.
The only headache that I underwent with State Farm Home Insurance was that each time I moved to a new apartment within my complex (which was three times), I had to keep calling and updating my apartment number to continue insurance. They won't just take your name and complex address – they need the specific apartment number. I don't totally understand that, but nevertheless this company helped me with water damage from a freeze, porch damage from aging wood, a roach infestation a neighbor gave me AND damage from an alcohol poisoning incident with which a different neighbor gifted me. I had no idea that apartments needed insurance, but I am very glad that I had State Farm – they are saviors!
I have three criticisms about this checking account with Bank of America (BoA) and only two of them are big. I had to open this account because this bank is in my home suburb. It was the bank that issued paychecks at my job and was the only bank that was authorized to process electronic transactions at my undergraduate college of The University of Texas. The first criticism out of all of this is that I had to have a minimum of over $1000 in order to keep the account free. As soon as I dipped below this number I had to pay around $11 monthly to keep it open. What a price to pay given the state of our current economy! This bank could learn from Wells Fargo and/or credit unions that offer free checking accounts to college students and the general public, respectively. The second criticism was that when I had to close this account, the workers at the branch made a production out of it, even as to go as far and tell me that I was rude (!). Again, a lesson could be learned from Wells Fargo – when I had to close an account there, the workers gave me no issue. Finally, the last hurdle I had to jump was the money order price: at the time it was around $5 for a money order, but this shock was softened by a nice worker who told me “Oh, you shouldn't get them from here, mi'jo. They're pretty expensive!” Now, THAT'S a lesson that should be taught to all bank employees. More positive news about this checking account was that I had no issue with bank errors or suspicious charges and the like, so that's why my star review is in the “alright” range. All of that said, READER BEWARE: take review with a grain of salt. This was MY experience, not that of anyone else. You could and/or others have good experiences with BoA, so, like with everything, this checking account is not for everyone; it wasn't for me.
I was raised in & around this credit union. My parents are federal employees with The Corpus Christi Army Depot, so it was not really my choice to be involved with this credit union, but it is my choice to continue to do business with them – and continue I will! All you need is $25 to open a savings account, keep it open AND accumulate dividends; a number of other credit unions require that you have a minimum of $100 to garner interest, but, in our current economic situation, $100 is a lot for some people. As with a number of credit unions, this financial institution participates in one of the sister branch networks, and that’s good for people like me: I had an emergency while I was living & working in Austin, TX, so I needed my family to send me some money. My mother deposited money into my Navy Army CU savings, and all I had to do was enter my Austin, TX credit union (University Federal Credit Union (UFCU)) branch and have the tellers move that money from my Navy Army CU account to my UFCU account. What a plus! Yes, I highly recommend this credit union to any and everyone living & working in the Corpus Christi, TX metropolitan area.
I have a checking & savings account with University Federal Credit Union (UFCU), which is a sister branch, but because I had to relocate to another city in which UFCU has no branches I am happy that I am able to do business with UFCU via H-E-B FCU. There is a kiosk located close to me at one of the H-E-B stores, and I can utilize it 24/7. My only complaint is that sometimes it can be down due to malfunction, and the only way that it can be repaired is if I (not a store employee!) call customer service to send out a technician. Other than that, all I have to do is spell out my credit union on the kiosk screen, enter my member number & PIN, select which account I want to access and deposit/withdraw away—I am happy with H-E-B FCU.
I would advise Security Service Federal Credit Union to add an automatic check/cash deposit option to their ATMs; I am one of those people who, at most times, can only do my business with these banks after normal business hours. Other successful credit unions (University FCU (UFCU), H-E-B CU) have this aspect and it raises their customer satisfaction score. Yet, I am happy with Security Service FCU since they are a part of a “national shared branch network”: a national shared branch network allows patrons to access their accounts at various credit unions throughout the country. Here in Corpus Christi, TX I was able to deposit and withdraw money to my checking and savings account when I was a part of Austin, TX's UFCU. While the flagship Security Service Federal Credit Union is here in Texas--San Antonio to be exact--I recommend this bank to people living here in this state as well as in the other states where it has locations: Colorado and Utah.