Member Survey Feedback
Thanks to your feedback, we are continuously working to perfect the way we do business. Above all else, superior service continues to be our top priority.
We’re excited to offer many new and different ways for you to take advantage of our products and services, and want the experience you have with BCU to far exceed your expectations. It’s just one of the many ways We’ve Got Your Back.
Below you will find real member feedback along with personal responses from BCU business leaders that describe how we are putting your feedback into action:
“When your account goes negative, most banks give you until 12:00 a.m. to deposit the difference and get your account positive before charging $29 to $35. BCU charges its members right away. Why don’t you give the members until the end of the day to get their account positive and eliminate the charge?”
We understand that some institutions may not assess a service charge when a customer brings the account positive prior to the end of the day. BCU currently elects to assess the service charge at the time a transaction results in a negative balance. This helps BCU mitigate the risk associated with paying transactions when sufficient funds are not available and allows us to keep fees low and interest rates extremely competitive for the benefit of all our members. We make it easy for members to regularly review account balances to ensure sufficient funds are available for purchases and withdrawals through Online or Mobile Banking. Also, BCU offers free automatic transfers from a linked savings account that will transfer funds to cover the transaction at no charge (most banks charge a fee for this service). BCU regularly evaluates all aspects of our Courtesy Payment service to ensure we are delivering the highest value to our members and continues to look for possible future enhancements in everything we do.
– Ken D.
“Why were we denied a loan when we have paid our loans on time?”
Thank you for looking to BCU to fulfill your borrowing needs. Loan decisions are made on an individual case by case basis with several criteria being considered for each loan decision. Criteria such as credit score, payment history and collateral value may change from loan to loan and could be a factor in making the overall credit decision. Although we may not be able provide the product you requested now, it doesn’t mean we can’t in the near future. How? By helping you to understand and improve your credit score so that you can successfully be approved for your choice of loan in the future. Credit Karma® is a great tool to monitor your credit score and is offered as a free service within Online Banking. We also encourage you to take a moment to review this video, which helps explain all you need to know about your credit score and credit health. Arming yourself with information about your credit score and obtaining a Secured Credit Card are the perfect tools to begin rebuilding your credit and getting back on track to credit health.
– David B.
“The ‘Deposit Anywhere’ feature does not always work, why is that?”
We are currently working to improve our Deposit Anywhere functionality and hope to deliver these enhancements to you soon. These improvements are designed to help you to make check deposits quickly and easily and also get immediate approval for your deposits. We are also working to improve our communication when a check is held for review. To help improve the image quality of your check deposits and avoid processing delays, please be sure that your check image is captured in an area with good lighting and is free of shadows and other items.
With over 25,000 members using Deposit Anywhere and over $120 million dollars in deposited checks, we know Deposit Anywhere is a great time saver for our members and one that we are constantly trying to enhance. We appreciate your use of Deposit Anywhere and we will communicate updates as soon as they are available.
– Scott S.
“I have belonged to the credit union for many years now and have never had any problems, the only thing I can say is a lot of Target employees I know aren't even aware we have a credit union?”
Since our merger with BCU nearly 2 years ago, we have more than doubled participation among Target team members and continue to see team members spread the word about their positive Target Credit Union experiences! Along with our partners in Target Financial Well-being, we maximize internal communication channels and opportunities to tell team members about Target CU benefits. We welcome and are always open to new ideas for promoting Target CU and we’re so thankful for members who share the love with their fellow team members.
– Joline E.
“I would like to pay down the principal of my loan a couple times a month; how do I do that?”
BCU’s Member Relations team is happy to assist members with applying additional payments to your loan to reduce your principal balance. You can reach Member Relations by calling 800-388-7000 or send an email via our new Secure Message Center within Online Banking. We look forward to hearing from you!
– Terry S.
Remember, we are your Credit Union. We encourage and welcome all feedback and look forward to showing you all the ways We've Got Your Back. Feel free to email or call us at 800-388-7000.
Credit Karma® is a registered trademark of Credit Karma, Inc.
We’ve Got Your Back™ is a trademark of BCU.