I refinanced my house through Texans. They had the best rate and lowest origination fees. I've had an account with them for a long time. I used to move my account every few years because I'd get so pissed off at my bank I'd quit em. I've had a few experiences that weren't perfect, but the fact I've stayed with them so long says they must do doing most things right. read more

All benefits of a Credit Union are evident. As compared to other credit unions though they are bigger and better! What I like most is that the representatives don't fret about every little thing or paperwork. They were helpful and flexible in terms of helping me get the paperwork done during the weekdays while I was at work. read more

Both times I've been to this particular branch, I've been greeted right away and treated to awesome customer service. This is a very large branch and there is never a long wait in the lobby. This is probably my favorite Texans location. read more

I had the opportunity to work with Linda Goforth to finance a vehicle on December 30th, 2019. I have never been more impressed with someone in my life, she stayed late to help me, she made the process a breeze. She is a professional, courteous and genuinely nice person. I will never finance a vehicle through anyone else. read more

Very friendly and responsive when they want your business, but having difficulty with them on issues related to the loan. I moved my insurance coverage to a different provider, and they have sent several nasty grams related to the proof of insurance...including threats to increase the loan to cover add'l insurance. I've reached out to my insurance provider / agent multiple times, requesting proof of coverage. Texans' customer service agents are not the nicest people to talk to, with the underlying tone's of distrust and contempt for the customer. read more

If you're ever looking for a mortgage from TCU, please look elsewhere. Its been over a month and we haven't got our mortgage loan squared away with them. With the housing market as crazy as it is today, we need someone who's on top of it. Seems our loan officer is on vacation again and no one is able to pick up the mantel until they come back. I don't think I can close on our home in two weeks. Terrible service. read more

I've been with Texans since it was called that .. Texans. I have both personal and business accounts there (for 3 more weeks at most). Things changed over the summer when regulators came in after their real estate debacle. They took away business accounts (new ones), and they grandfather'd existing business accounts but only after tagging on outrageous monthly fees (to date, I have paid over $600 in fees alone). Add to that the VERY high turnover (at least in the Allen branch) and their on and off again access with their updated internet application, and i'll make sure the door doesn't hit me in the butt when I had outta there. Just this weekend I couldn't log into my account online.. again! Magically it started working Monday am. No explanation from them (yet), and no accountability. read more

I bet my negative review gets "filtered" just like all the negative reviews here. I urge you to look at the "filtered" reviews. Definitely shady. Terrible service. Incompetent staff. Wrong information. Misleading. Horrific experiences here. Avoid this bank at all costs. I've had so many issues I could write a book on here. The staff is extremely rude and disrespectful. THEIR MISTAKE HAS RUINED MY CREDIT SCORE. They acknowledged the mistake and refunded my money, but refuse to fix what they reported to the credit bureaus! Terrible Terrible. I urge everyone else who has had similar experiences to mine (which it looks like there is a ton of, even though they are hidden) to report them to the BBB! read more

terrible customer service - was put on hold 5 times over 32 minutes trying to speak w/ a manager and kept getting the CS reps who didnt want me to speak higher than them - I litterally wanted to close my acct and you can keep the balance - anything to never do business with these yahoos again read more

This credit union sucks!! Their officials had a recruiting session at Dallas county where I work and i signed up. i gave the lady $30 to open an account. a couple of weeks later, i received a pack of checks in the mail and a mastercard debit card. I deposited a check for $100, withdrew $20 and had a $90 check i wrote returned unpaid , and charged me $35 stating I had a balance of $80 ( what happened to my $30 deposit?) The bank is closed tue & thur,does not have any branch in the Dallas area. to make matters worse, they have an ATM in the building where I work and charge $1.50 to use an ATM where you banked!! Dallas county, Why is this your credit union of choice? read more

Been a member for over 15 years now. Have been banking with them ever since and have had auto loans/credit cards through them as well. I have always had great service at Texans no matter which location you go to. The one Plano at Custer and McDermott has the best Manager ever. I have not had any complaints in the last 15 years, so that speaks volume for their service and offerings. read more

Texans Credit Union recently went to a new online backing system and it sucks even worse than before. I have been with this credit union for almost 20 years since I work at TI now I will close my accounts. Let me get to specifics: 1. New login requirements are incredibly onerous. You have to get an email or phone message from each computer you access your account from. In cases where you are at an air port in another country that is not an option. 2. You figure this is an Intuit site and it would work with Quicken. I tried the automatic download and it duplicated my transactions for the past 6 months. So what the hell, this never worked at Texans any how so I figured I would just go back to the old way of downloading a QFX file. The QFX file will no longer import into Quicken!!! So I now have to enter every transaction manually. 3. The new site does not allow you to change the default account for bill paying. If you have more than one account you're screwed! It will only use the first one no matter what. After these problems that have been going on for about 2 weeks now with no resolution, I will be closing my accounts and screw Texans Credit Union for doing something so stupid. Chris read more

Please do yourself a favor and never do business with these clowns. Very unprofessional people and ridiculous to try and do business with. Crazy fees and stay on hold forever. STAY AWAY! read more

Been a member since late 1980's when they used to be affiliated with Texas Instruments. Boy have they fallen a long way. On line system is terrible and when I called in cancel my account today after giving the agent all my information, she sent me to the website to cancel. When I did that, they emailed me back and said I needed to call in to cancel. After doing that and spending another 15 minutes on the phone, they said I had to come into a branch that is a 25 minute drive from where I work. Sheesh. Sure seems like they want to make it as difficult as possible to close an account. All I wanted to do was to have them close the account and send a check, made out to me to the address on my account. Sounds simple, but not for them. Banking now with Charles Schwab Bank and I love it. Awesome systems and customer support. It is sad to say but Texans is on its last leg. read more

I can't say that I ever enjoy going to this bank because the lines are always long. They never have enough people working, especially during the peak hours of lunch time and after work. They do however have pretty good rates on loans, so consider it when you shop around. Overall, the bank is okay but I prefer banks that are open later hours and don't have such long lines. read more

I've used Texans for almost 5 years and my family has used them over more than 20 years. I'm disappointed to say I'm leaving Texans. Until a few months ago, I would have given them 5 out of 5 and written a rave review, but over the past 6 months things have changed dramatically. the NCUA consignmentship has not been good for them. 1) They've started charging "gotcha" fees on things like unused accounts and depositing coins. They seem to add a new one every month. If I wanted gotcha fees, I'd of gone with a bank. 2) Fewer employees. I've noticed fewer employees per branch. When people leave, they don't replace them and even off hours now come with a 30minute or longer wait. I've had several people complain to me about this and I've been experiencing it more and more myself. 3) Shady Loans. A "Holiday loan"? Really? That's like saying, "Hey, you're poor and in debt! Let's help you get further in the hole!" I understand they're trying to increase profits, but they way they're going about it is manipulative and a little bit predatory. While I really like the people at the branches I go to, Texans is turning into a "mega bank" and looks to be less and less about their members. I may be convinced to come back someday if they can fix some things, but if they keep going the way they've been going, I won't be the only one to leave. read more

I joined Texans last year when I refinanced a loan. The woman who assisted me in the Campbell office was helpful and friendly. That first experience was the only positive one I've had with this bank. Lines tend to be long at every branch (at least while I'm there), and the service is incredibly slow. Today I went to the Spring Creek branch and waited 15 minutes in line. 3 tellers were working, a fourth was staring blankly at a computer, while another guy sat in his office, fooling around on his cell phone. Sure, they may all be legitimately working, but sometimes the appearances do a lot to calm or irritate customers who don't want to spend their afternoon at the bank. While I only needed to have my online account unlocked, when I got up to the teller she very politely told me she couldn't help. Their system was down, and they couldn't call to another branch to help me. I would have to go to another branch, wait in line, and see if maybe they could help me, or call member services. It was my lunch break - I wanted to eat, not spend it driving around town to find a bank that could help. Of course, the last time I called member services was an absolute disaster. In the wake of their website change fiasco, I had been locked out of my account. I called in and waited 30 minutes on hold before giving up and going back to work. On lunch I called again, waiting 45 minutes before a very rude woman answered. She had the audacity to suggest that I was either too lazy or too stupid to access my account. For the record, the change was handled so poorly that the president of the credit union mailed out an apology. Even if it had been all my fault, after spending more than a full hour on hold, being rude and insulting to the customer is absolutely inappropriate. These are just a couple of gems from my short time with them. Not only is the service terrible, but they don't even pretend to care. If the customer service experience at this bank got any worse, they'd have to call themselves Sprint. I will be closing my account and taking my money elsewhere. I am done letting these people raise my blood pressure. read more

Been a member for a few months now and im already regretting it. They hide your credit card balance and information from you, i dont understand how/why they dont allow any visibility into their own members line of credit. My guess is they hid it from members in hopes they forget and make late payments. It takes over a week and in my experience 5 phone calls to get someone competent enough to re-instate your credit card after they decide to freeze it if you go shopping and spend a few hundred dollars. I've been with other Credit Unions before and never had these problems, Texans is sub-par as a credit union. read more

I have been a member of this "credit union" for 25 years. I say credit union loosely because the premise of caring about their members is bogus. They are no different than the banks with all the obnoxious fees they charge for services that should be included with membership. Fees that were not charged in the past. Charging for temporary checks or cashier checks or money orders for your members is infuriating. I cannot wait to transition my money out of this institution and into a real credit union. Don't put your money or trust into this joke of a business!!!! They do no care about people and only care about money, greedy people! read more

I've been a member for over 25 years at this bank. I am not sure what happened but it is a disaster. I will be moving my assets. Customer service is horrible! If you get a call back about an issue, the manager will not leave is direct number but have you dial into the main number in which you are on hold for over 15 min. They charge fees that previously were not being charged without notification or they increase. Stay clear from this bank. Also loyalty means nothing here as I have had mortgages, several car loans here and the people working here are robots! Reading from a script or being just rude. read more

These folks are the hardest financial institution I've ever financed an auto through, and will never do so again. It's virtually impossible to get set up online and there are fees associated with using your own bank for payments. I would love for them to sell my loan to an institution that has some sense of how to treat customers. My experience has convinced me that they would never get any more of my business. I'd rather keep my bank (that has no local branches) than switch to them - even if they are just down the road. read more

If you like long lines in the lobby to see a teller this is the credit union for you. I am not kidding, at least 20 minutes in line every time I visit. Every time I visit my local branch there is only one teller working the lobby...just like the Post Office. The other teller runs back and forth between the drive-thru and the lobby. This place is a joke. Customers in line get so upset they walk out. I have been a member since 1992. My advice to you is DO NOT join this credit union. Good advice, call customer service and see how long it takes you to talk to a real person. I waited over 25 minutes one day. The rep that answered the phone told me there was 35 calls waiting behind me! Texans used to have a coin counting machine in the lobby for members to deposit their money. They now charge you to deposit your coin's in your account. The teller told me Texans could not afford to rent the machines to accomadate this service. Coins are still money...are they going to start charging to count dollar bills next? read more

Worst Customer Service EVER!!!!!! The one time I have filed a fraud dispute with a merchant and they have lied to me. They never submitted my claim to Mastercard as they said they did. They took all the information provided to them and showed it directly to the merchant and allowed them to write a 3 page rebuttal using that information and the merchant inserted lie after lie and Texans didn't even give us a chance to see that letter before denying our claim. So unethical and downright liars they have become. So disappointed as I have been with them for 18 years. I'm shocked any business would treat long term customers this way. read more

These guys are terrible. Ever since the bank went into receivership approximately two years ago they've done nothing but raise fees and reduce services. Incidentally as of two years ago this bank has FAILED and has been taken over by the FDIC. Since then they've made the process of closing your accounts as convoluted as possible, and they're closing branches in many cities so customers cannot go into a branch office to get problems resolved, you've got to duke it out via fax and registered mail. read more

Never Never ever do any business with Texins credit union. We had a checking account with them and every 2-weeks they would see a charge on the debit card and think it was fraud and cancel the debit card and it would take 5-7 days to get a new debit card. Do you want to not have access to your debit card for 5-7 days every time they do not recognize where you are spending your money. Good luck with that. And there rates are higher than many banks and their customer service is terrible. Need I say never ever do business with Texins credit union. read more

THIS IS HONESTLY THE FIRST REVEIW I HAVE EVER WRITEN.... Texans credit union has the worst customer services department I have ever had to deal with....EVER... Three calls later and three different people promising to call me back I am literally still n hold... This not even a hard issue!!! I will be closing this account for my account and my wife's... If you open a account here you better hope you do not have a issue that you need !!!! read more

Clueless Auto Loan Department. Applied at 8am and had to contact them several times before they told me the documents they needed from the dealer and membership application they needed from me. Joel Goodwin, Tracy Wright and Rene (The Supervisor) were extremely rude and could not return a phone call. If you need an auto loan do yourself a favor and just go through the dealer. They can get you approved and contracted in under 30 mins and Texans apparently needs more then a full day. I have excellent credit and was putting a bunch of cash down. This was a simple auto loan that their loan officers struggled to complete. I took my business elsewhere after wasting an entire day with Texans!!!!!! read more

Attempted to apply online for a auto loan. Applicaton process was clunky and difficult to use. Once I was able to finally submit it I recived an error from their website saying to start the entire process over. I can't image actually doing business with this company. read more

On their way to being belly up again. Customer service and friendly customer service are non existent. Tried to cash two (2) checks printed on Texans Credit Union safety paper from one of their members as I did not want to take the chance of the check bouncing with a $35.00 fee. They were not understanding if this and wanted to charge me $5.00 fee. Never in my life have I received this poor service from a bank. read more

I've been a member since Apr 1980 when it was called Texins. They were really great with friendly staff and great service. Then they went into receivership for a while and although service did drop off some, those who were there were very willing to fix any problem, so I stayed with them through the fire. Since then, I have lived in 2 different states and the web service has been very good, and if a problem did arise, I would state it through the system and it was always resolved within 48 hours, to my satisfaction. I'm still with Texans and I will stay with them as they have been very responsive to any question I've had and the people have been very professional, yet friendly. Not sure what transpired with the naysayers, but I suspect they were not being forthright in some of their comments. As an old geezer, I'm happy with the service, and I love doing my banking via the internet system.. always accurate, always on time. That's why I'm still a member and it's now 39 years and counting. read more

I have never dealt with such ineptness as at Texans Credit Union. We will be closing all of our accounts as soon as we can. It is impossible to get a simple debit card that works. Have been in twice (took off work), have left messages with the branch manager at the Campbell location. Called the 1800 nmber. Run around, run around. They send cards with temporary pins that don't work. Hours later and two trips off work and still only dealing with the people who have no ability to make anything happen. Back to Bank of America for us. read more

I've been customer since 1988; have watched it evolve from a great credit union to a big-box fee-based "gotcha" bank. McKinney has a bad "manager". Today she called me a "Monday person" because I complained about a $120 maintenance fee. She's "pretty sure" that it was a mistake due to the email she got about a computer glitch over the weekend, and will auitomatically be fixed. All this while chewing on a piece of pizza. Then she told me that I would only be able to have access to $200 of my $3000 payroll check! After I questioned her further, they decided not to hold because I have a credit line and was also depositing $700 in cash. It's going to be a pain to change all of my auto-deductions but it will be worth it. They will have one less "Monday person" to deal with. read more

I would have to say they really have just gone down hill! I have banked with Texans for 15 years now. Just in the past 6 months since their bankruptcy they started charging random fees I never heard of with no notice. Also, someone wrote me a check from a Texans account & I deposited it. They didn't subtract the money from that person's account at Texans but made it available to me first (which is REALLY SCARY). I closed my account shortly after this because I was tired of the ATM being broken and not being able to make deposits. Apparently the business owner who wrote me a check also closed their account and now Texans is writing me nasty letters about it saying I owe them money because they didn't subtract the funds from the check he wrote me!!! UNBELIEVABLE! HORRIBLE ACCOUNTING SKILLS!!! Great way to treat an excellent customer for over a decade. This place has TERRIBLE service and so many hidden fees they may as well be Bank of America. Epic Fail. read more

Something has happened to Texans over the last several months. I have been a member for years. Recently they have started charging fees without any notice. They placed nearly a week long hold, without my knowledge, on cash funds that were deposited at an ATM . However, my on line account showed those funds to be available, which I find to be deceptive. I was hit with multiple fees thereafter as I used funds that incorrectly showed to be available. In addition, it appears that they have outsourced their customer service. The quality of the personnel handling calls has decreased dramatically - they are equivalent to what you would expect from a "big bank." Also, the "attitude" is not a helpful, customer oriented attitude that I have experienced in the past. When I called to inquire about the fees charged to my account (noted above), I was told that my request to reimburse these ill-gotten fees was rejected by a manager - but the representative refused to provide the managers phone number so that I could call he/she directly. In addition, 2 messages have been left, through customer service, for a manager to call me back remain unreturned. This was not how Texans used to conduct its business. As Texans would rather have the ill-gotten fees and provide substandard service, I will be moving my accounts shortly. Most unfortunate. read more

Not happy at all with Texans. I have been a member for over 14 years. Each year the CU gets works. Their fees resemble that of a bank. The customer service is not good and the online banking system is a joke. Good luck getting an online response to an inquiry. I filed a written complaint with Corporate office and have yet to receive a response. It has been month. Sad to see that what was once a great credit union has not decided to follow the crowd of poor customer service and money hungry. I have been charge a $6 fee for no activity on my account for the last 6 months. There only saving grace are the loan programs. I don't purchased things enough to put up with crappy service. Day to day operations are horrible. I will be closing my accounts soon. read more

I almost closed my accounts because of the disrespectful customer service I have received at TCU but because of Matt Moore, Director of Lending, I will continue being a customer. Several of your employees, though, need to take a few lessons in customer service from Matt! read more

We have been banking here for over 25 years. They now routinely hold payroll checks for 7 days.

Worst financial institution to deal with if your information has been stolen. They call you to notify you about fraud then they have you call the branch to reissue you a card and to see if you can eat your money back. Been trying to call the branch number but you cannot get to anyone nor does anyone call you back. I'm out of state and now I'm stuck without my money! Other banks handle these issues right away and credit your money back as well. Only reason why I use this bank is because I made a mistake on the search engine selecting this bank instead of the Credit Union of Texas for my auto loan. Can't wait to leave this banks. Has Been nothing but headaches since I signed up!!! read more

My review is for TXCU as an institution and not just this particular branch. Awful customer service. From the moment I open the account to the time I closed it. Most of the tellers are rude and demeaning and there is not much home for the bank managers or official. My advise, stay away from this place. There are plenty of options were to take your money, this should not be one of them. read more

I've been a member for probably 10+ years now and the service has drastically declined in recent years (another review points to a news story from a few years ago which makes perfect sense). They seem to nickel and dime everything now. At one point they were sending new cards to members because of possible compromised cards. They sent advance notice, but for whatever reason they didn't get the new cards mailed out in time before they cut off the existing one. So here I was on a Friday evening with ZERO access to my money. Their response was oh, yeah they were running late getting the cards mailed out it'll be another 3-5 business days. No notification to members - just cut off their active cards. Made no sense. On another occasion they cleared a $1500 check that was from another member's account, against mine causing my account to become overdrawn. Then proceeded to tell me I should contact the presenting bank to get it corrected. What? NO, I'm contacting my bank who took funds from my account when the check clearly had another member's name and account number. Then acted like they were doing me a favor by reversing the overdraft fees. They also stated nothing was declined/ returned unpaid but that was not true because my car payment was rejected and I later got a bill for late fees and returned payment. Sadly, I don't have much good to say about them anymore except that their staff in the branches are friendly. read more