Credit Union of TexasReviews of cutx.org

I opened my account about 4 months ago, and I've already had a few terrible experiences with CUTX. They're inconvenient for travelers with only a few locations. They have extremely poor customer service. As a result of fraud done to my account, I learned my cash is NOT safe, nor protected in my CUTX accounts. It was impossible to transfer a large sum of money (more than 1k), via zelle, from my account. Not a good experience with this bank.

I have been with CUTX since JAN 2024. Its now SEP 2024, and like all banks they seem great, friendly and nice at first, as long as money is going in and nothing else is needed. But when you need something there is a problem. I performed a MOBILE deposit for a check of a little over $500 from a bank in Texas. The app states it will take 48 hours. Its 6 days later and the check is still showing "unavailable" on my account?? I called them. The AI system "Bethany" gave me the company line..."it will be 48hrs"....uh no Bethany. I asked to speak to a human. They put me on hold for 25min!! And the whole time "Bethany" is on the on hold message telling me... talk to Bethany, chat with Bethany, it will be faster with Bethany. "Bethany" YOU CAN NOT HELP ME!! DANG IT! Finally, So then the customer service girl says...yeah we suggest people just go in to the branch to deposit checks...NO DUH Captain Obvious?! It will be in the acct tonight.( TONIGHT? you know to the hour exactly?? just put it in NOW!! )SOOOO... the convenience of MOBILE deposit is NOT convenient?? That's how you gonna play this CUTX?? What if i'm homebound or can not get to a branch?

CUTX unilaterally and without warning took thousands of dollars of mine to satisfy my husband's separate credit card debt. This happened AFTER CUTX had assured me that it understood that the money in the account was my SEPARATE property (as it had been raised in a GoFundMe after my husband's death) and that the debt was his separately. It's hard to describe the inappropriateness of this violation, but let me be clear: based on my experience, MONEY IS NOT SAFE WITH CUTX.