The Monroe location was the one I used regularly. I had to close my account since there was always a problem. The daily balance alerts that I signed up for kept stopping, forcing me to keep signing up for them every 2-3 months. Neither their IT department nor management seemed to care, because the problems persisted. The final straw was when I went to do a wire transfer. The lady couldn't enter the correct account number, even though she was looking at it typed out on a piece of paper from a title company. Then she couldn't enter it correctly when I called it out to her. I had to keep telling her that she entered it wrong when she had me verify it. Crap like that screams someone is trying to steal your money from the inside. I took my money elsewhere! When companies, institutions and their people show you who they are, believe them! read more

DO NOT DO BUSINESS WITH THIS CREDIT UNION. Been with them 10 years it used to be a good experience , every year it gets worse and worse the customer service. Is horrible, rude at best. I hate even having to contact them as they make up their rules as they go. Do not do business with them you will regret it. read more

Had the best experience I've ever had getting financing for my Prius!!! Everyone I encountered during the process was extremely helpful and they were super fast at getting it all done when I found the one I wanted. I had heard from friends and family that they were the ones I should go to and they didn't disappoint!!! I highly recommend them for any of your banking/financial needs!!! read more

I normally have an awesome experiences with Shell FCU. Yesterday was a horrific experience. I received several checks with a letter attached displaying the check number, and amount of the check. The business that sent the checks do bot have a business stamp that's why they sent a letter on their letterhead stationary. I had way over the amount to cover the check amounts in my account. The branch refused the deposit. I have banked with this institution over 15 years. Very disappointed member. read more

Great place to refinance your vehicle. Customer service are pretty quick fast. I recommend anyone to go. Try it out if you need it to work with low credit and still give you a good interest rate. read more

Please do business with any other credit union. I have not missed a single payment and after dealing with a natural disaster, I had to use a lower insurance policy for 2 months. I am now having to pay another $1300 dollars on my loan, which they have converted into an additional $113 per month on my notes. No questions asked. No empathy about what I had to pay for which caused me to not have the full coverage insurance for only 2 months. I never missed a note despite what I had going on and they decided to screw me over anyway. I spoke to their support over the phone and they had attitude and told me the decision is final. Shell Credit Union "When you're with us, you're family". You are the worst family ever. read more

The people in there are always nice to me and are super helpful solved every issue I've ever had. U can make coffee or eat popcorn while u wait they have a tv a the waiting area is coo. read more

I am a member but looking for a new credit union. Someone called me with all my info from a # identifying as shell federal credit union. I called immediately. Fraud helped me stop the account created another for me as I was out of town. Got back went into bank was told I could not have access to digital banking, zelle, or cash for 6 months I would have to go to bank for all needs. Why am I being penalized. I did exactly as told changed passwords and closed that account. So any suggestions looking for a new credit union. read more

This used to be a great credit union. It gets worse and worse every year. I don't not recommend banking with them.

Worst financial institution ever. Customer service non-existent. The branch tellers and phone agents are rude and condescending buttholes. Constant issues with debit card declines. Ridiculously long holds on check deposits. The funds availability disclosure states your deposit may be subject to delay "if we think a check you deposit will not be paid." Translation, if you have a darker paint job your deposit is suspect and will be held. I don't have time to play games with clowns that seem to take pleasure in controlling and making it as difficult as possible for me to access MY MONEY! read more

Went to the branch by Woodforest. All I wanted was rolls of half dollars and pennies. They told me them don't have any. The teller went to the teller manager and came back saying they didn't have any..... really.... but if I go to the branch on Fairmont they are always willing to help me. I don't have a lot of money in my account.... but they have my auto loan there. This branch lacks the professionalism to take care of their customers, those with a lot and those with a little.... read more

Closed my loan out without my consent. I never signed anything. I never asked them to. Called and was told a manager would call me back but nothing. Called a second time and was on hold for 15 min before told they couldn't do anything and it was a system error. Service has never been welcoming in the past. Had a manger forget to turn in my ACH form so I had a late payment. I went in and had to sign again and the lady helping me then didn't even bother to acknowledge the error. I hardly ever write reviews but this here was it for me. Be aware of the terrible service before opening an account. read more

Worthless piece of shit of a bank. Make decisions on closing my debit card with out authorization, telling me am on collection, this bank is the worse now, stay away from this bank. read more

This is a somewhere easy negative review to leave. Shell FCU made it incredibly easy to decide on the one star rating. This "credit union" is beyond unhelpful. Tou cannot even deposit cash on an ATM machine unless you go to one of their tiny locations. For example, if you move or take an extended vacation... you basically don't have a bank. You cannot do any banking outside of their few crumby locations. This is laughable for the day and age we live. The staff is rude and condescending on top of incapable of serving the needs of modern financial needs. Basically they are the bottom of the barrel. Good luck. read more

Actually, I had no choice but to give one star, I would rate it 0 star. On May 12th I visited this new location in Katy, for loan inquiry and balance transfer. I've been a member since 1999, and in the past 21 years I never had overdrafts, missed payments, last payments etc. etc. I mean perfect 21 years, I estimated that I may have paid $60K in interest or so in the past 21 years of banking on multiple car loans, personal loans, and credit cards. So, I wanted to speak with someone about increasing my credit card limit and check out options for a personal loan, Christopher Franco, processed my loan. He was extremely rude, no manners, and basically yelled at me, and asked me questions which I think were not relevant. I think he messed up my loan process with a 740 credit score. He may have sent inappropriate messages to the underwriter, anyways I was not satisfied with the loan terms and decided to withdraw. I really hope Shell FCU takes action on Christopher Franco so he doesn't repeat these behaviors to others. If possible go to another branch instead or don't speak with that banker for your banking needs. read more

Carrying my babyin car seat by myself front lady couldn't even help press handicap button she was texting on her phone there was only one customer there!!!!!!!! Something really needs to be enforced!!! WORST BRANCH EVER BEEN TO NEVER HAD BAD EXPERIENCE! read more

When no bank allowed me to open shell allowed me amazing bank when no one let me get an auto loan they did they are worth keeping as your main bank outstanding workers read more

Do not use this bank for anything! I was in the process of buying a new truck. I was approved for the truck in question and was already told what my payments would be. I was told that the truck has to be inspected before the deal is confirmed and it will cost me $200. I agreed and the dealer and i met the inspector at the woodlands mall. Truck checked out very well with all fluids and no accidents. I then received a call HOURS later stating they will not finance the truck due to it having a lift and "big tires". I do not recommend this bank to anybody and will never consider doing any business with them again. This bank is a joke. They took my $200 dollars and denied the deal. Please take my advice and DO NOT use this bank for ANYTHING! read more

This credit union is horrible. Wait times for service are bad atms are always not working and it is impossible to use the apps and telephone service is the worst. After a hundred and one questions you finally can try to get your problem settled. I do not recommend this place to many other banks to put your money in.. I no longer bank with them. read more

Shell keeps changing the story on how there escrow account works. The only keep 2 months of escrow and a buffer, but can charge you more. I had a shortage on the payments but the escrow was able to cover it. Now my payments went up with a surplus in escrow due to the balance has nothing to due with current payment. This is the second time to have a loan problem with them, i guess I deserve it, I keep going back read more

This place need a whole attitude check! Every single one of them! They make you wait forever even if there's no one. The bankers are just sitting in their office! There's the old lady banker l. HORRIBLE SERVICE!!!! don't even think of banking here read more

i've been banking with shell for 15 years had a 760 credit score never missed a payment or late in 15 years got approved for a 60k auto loan with shell 2 months ago i decided not to take their offer because interest rate was too much and i recently applied for a 50k personal loan and was denied??? they need to get some better under writers...i'm guessing they wanted me to do a title loan instead of a unsecured loan is all i can think of i get great loan offers all the time never had a problem getting any money i've needed shell is the only bank that makes it difficult to get a fair loan or auto loan. i'm currently looking for another financial institution to move my money and direct deposit to i'm finished with shell. good luck if you are thinking about using shell federal credit union there are better credit unions out there. fyi they love pulling hard credit reports read more

DO NOT USE THIS CREDIT UNION! They hire inexperience representative that cares more about their Average Handle Time than providing the customer correct information. Incorrect Information can cause financial issue and affect your credit/payment history with creditors. I've accrue fees and my credit payment history in which Shell handle as a minor infraction. Although the customer has existing accounts, they want to pull a hard inquiry on your credit for a Christmas Club account. read more

I've banked with Shell FCU for the past ten years. I didn't have too many problems until I moved to a different part of Houston that is not close to any SFCU location. Because their online banking is so unreliable, it made it impossible to keep banking there and I closed my accounts but kept my credit card there. Even that is nearly impossible to hold with them as their website is frequently down. Trying to pay for my credit card through an external account is difficult with them, I've even had to call before and they weren't even able to take my payment over the phone. Most recently, their website was down when I went to make my card payment. They charged me a late fee and when I called to explain to them what happened, they were extremely rude and said it was my fault so they wouldn't take it off. I don't recommend opening an account here. read more

Came in today to open an account, which most was done online. The individual I met up with needs some serious attitude adjustment. Tried to make polite conversation and she couldn't even muster a smile. I get it, it's Monday and busy but there was no need to be rude. The account has been open but if this is how business is going to be then I may not be a customer too long. I've gotten much better reception at banks than what I've experienced today. read more

Their shitty bank app will not take my check. They are telling me I have to call the company to get a replacement check. They will not take it at their branch. I can NEVER trust their shitty app again. read more

I called confused about my bill not being paid but money being taken out under the bill name, Keke helped me understand what was going on and even offered me a one time refund on those fees, she was very patient and very kind, I accidentally hung up on her too soon but she had very great customer service!!!! read more

I would not recommend becoming a member with Shell FCU. Customer service is horrible and it is not just from employees, it goes all the way up to the CEO, Jose Rodriguez. USAA or TDECU would be better choices if looking for a good credit union. read more

This credit union has the absolute WORST customer service I have ever encountered. Tried to make a car payment online, and after fifteen minutes of waiting on the phone, was informed that they wanted $10.00 to make an online payment. Oh, hell no! Each time I try to contact this credit union, the experience is awful. Do not recommend this steaming pile of ineptitude to anyone. read more

I have had 2 accounts at SFCU, recently we opted to move our business checking there from our old bank of nearly 40 years. First, it took 3 times to get a debit card that would work, and second, and most importantly, they checked our credit without letting us know before they did it. We are in the process of trying to buy a home, so not only did their "hard inquiry" drop our credit score an ungodly amount of points, but they have put us in jeopardy of not being able to buy a home at worst and having to make a larger down payment with a higher interest rate at best. Thank you SFCU!! Try informing the customer first so they can decide if it's the right time to have anyone nose around in their credit. read more

I wouldn't recommend this place to anyone,there was a scam going on which they new about ,well they took 900.00 from him and they say your loss and refuse to refund the money back to him . read more

I want to publicly say thank you for great customer service. Especially to Angela Hemperley, she was the loan officer who helped with my loan request. she went above and beyond to fulfill my request. she was outstanding, well mannered, polite, savvy among other things. now I am on the right track with my finances and 2018 is looking better all thanks to her. read more

Customer service is horrible. From not applying my credit card payments which hurt my score and they had to fix it twice! To adding 1 year of their own insurance because I did not have coverage for 1 month and my payment shot up $450 to $1040 a month.. I was laid off during COVID, unemployment ran out and they say there is nothing they can do to assist. This institution is not for me. read more

I've banked with the credit union for about 15+ years. I wanted to inquire about opening a saving account for my child and the lady who helped me was so rude and unprofessional! I ended up opening my childs savings account at Chase. They need to look at who they hire and make sure that customer service is a strong key of theirs!! read more

This credit union is the most inconsiderate organization I have ever known about. My brother was a member and recently passed very suddenly and was young. He had a car financed through them along with a checking and savings account. My brothers first car note was due on 04/11/2021 and he passed away on 04/08/2021 however the payment was auto drafted out of the account and they received their first payment. My brother had not been buried more than 3 days and they called wanting to come pick up the car. I understand that you are a business and business must go on but the payment was made and not late so technically it had been paid for that month so there was no need to contact a grieving family and make arrangements so bluntly. If that was not bad enough they wiped out his checking and savings account for a loan that his family had no idea about and they would not discuss with us and they said they can't due to him being deceased and I asked them how do you know he passed well we were notified by the social security office. I told them sir the social security office does make mistakes and they have reported people being deceased when they were not so again how do you know he is deceased where is your proof that he is deceased. I know you don't have the death certificate because his family does not have it at this time so please explain how you removed 8k out of his accounts with no legal proof of his passing. They could not answer that questions or explain how that was appropriate. I feel like this organization has robbed my brother and in fact was very inconsiderate to the situation and I would never ever give them my business. It is sad enough that a family is grieving that you have to add to the pain as well and oh I really loved the fact that I was told that he did not hold up to his obligation to his loan last time I checked a deceased person did not have an option on staying on this earth to make good on a loan and to make it sound like he was not responsible and did not take care of his obligations is offensive. I would like to warn people of this organization before you think about placing your trust in them!!!!!! I would love to rate this place below 0 because I think they are no better than the dirt people walk on. read more

waaaaaaay too slow... you can be the only one waiting at This bank and it will still take over 45 minutes to get called up

Service here actually sucks. This is the second time I've been here in recent months to open a joint checking account. I've recently moved to the Houston area & I needed to open an acct. My bf & I called ahead of time to ask exactly what we needed to take with us so we could be prepared. We were told 2 forms of ID. So that's exactly what each of us took. We got up early to be there by 9 on a Saturday bc we were told it gets packed. They took forever to meet with us. Then when they did, they told us that my DL needed to show an address here in Houston (I had only lived here 2 weeks). So we went for nothing. THEN, today we go (with an updated DL) & they said it would take 45 mins to an hour to open an acct. Well we were on a time crunch today cause we have a busy schedule today, so we say okay we need to get this done. So we sit down & 10 mins later she tells us she needs to run our credit to open an acct. WTF?! Why? To open a checking acct? My bf is repairing his credit right now (from stolen identity) & another inquiry on his report wouldn't look good. So my bf is pissed at this point. We looked at each other & we're like screw this! We walked out. So another wasted early morning on nothing! Besides all this, not a smiling face in the building from any employee on either visit. Needless to say, we are done trying to give them our business. read more

Auto loan experience First I applied for loan and was appoved for $22k but was having issues with trade in & credit report so I thought refinancing would be easier....WRONG valued by them for $13k, so I needed another $2k, they would approve for that somewhere else. Now Shell always claims to help with credit full of BS. THEY ARE WORST AS THE BIG BANKS, So after 24hrs wait on an email question reply this is want I sent them... I already called and talked with someone yesterday. She'll FCU proclaims to help people did credit issues which is full of ****. If you will only approve refinancing auto loans for the value of the cars how is that helping anyone. One if one gets the loan at value or below they might as well trade it in. Second you offer 90 days deterred payments in that 90 days a person could pay off credit cards limiting there debt. So if you don't put all that into consideration. Why do we deal with you and your false claims on helping people. You're not really helping anyone at all, to me your just as bad as the big banks. I will definitely out my reviews in this bank. Now I have issues with Capital One they & my past money issues got me in the credit issue I'm in. Yet that bank granted me the car loan I'm in even if it's at 18% apr at least that's a chance. So how is Shell FCU helping people. Now I'm considering removing my deposit and going back to Capital One bank & I left them for you, thinking you would be better. Now I see I was completely wrong, you would even put the difference about my car value on another loan. So once again I'm like why am I banking with She'll FCU. If you want more business you need to improve you judgement on people. Now please forward this to your managers, loan officers, etc people that make all the decisions, no wonder you cannot keep employees at your banks. If you want a bank to prosper then you have to consider the people. The good part is that at least I make all my payments on time. read more

Credit Unions beat banks in every which way possible.

I've been with Shell for almost a year now and I've got to say, their rates are good and the people are friendly but on the technical side of things, they are horrible. - The website is ugly and cluttered, half the time I can't find anything with all the adds floating around (this is the same after account login) but you kinda get used to it after a while... - I've had my card shutdown for anti fraud prevention twice which would be a nice feature except that you can only get it re-activated by the bank itself Monday through Friday 8 to 5 and the last time this occurred at 7pm on a Friday so I was down for the weekend. The second time, when I got in touch with them on Monday I was told the card was already canceled and they would need to ship me a new card. After I grumbled a bit they waved the fee for expediting a new card. - Online banking (the service not the whole website) has gone down a number of times and currently it has been down since mid day Friday and its Sunday and since tomorrow (Monday) is a federal holiday I'm guessing it won't be back up till Tuesday, if we are lucky. Oh, and don't get your password incorrect on the website 3 times, or you'll be down till the next business day. No self authentication (you know, Moms birthday or first job type questions) to re-enable your login. As you can see, weekend and evening services for this bank don't exist. And for things like the online banking, I believe a few hours of IT overtime should be a given. The bank needs to realize that customers these days have a good choice as to where they can bank and the current perception is that I should be able to access my money any time any where, even if I have a problem. read more