bcu Reviews 4

after paying off a million dollar loan with BCU and owning a 2million dollar house.
I tried to get a small loan for my son for a car he's at uni works full time hours but is casual, after going through the ringer i was told the reason we didn't get the loan was i got nothing out of it.

I wounder if any of these people have children or even a heart disgraceful don't bank with these people.

I have a home loan with this bank. Until mid-2025, I had a very positive opinion of the customer service provided by the BCU Bank branch in Maroochydore on the Sunshine Coast. It was always very friendly, efficient, and there was no waiting (wasting time). I never wanted to contact by phone because it was a waste of time, walking through a maze waiting for a connection – this is a real jungle. Unfortunately, that's the case in every corporation in navadays.

My wife and I always preferred face-to-face conversations because I could see what I was signing, read it, ask for clarification, and get answers to various options. We can also use body language (gesturing) if our English is imperfect (as in our case). It's really helpful, especially simple human contact, a handshake. This kind of contact with people is systematically limited today, from government institutions, consulting agencies, to banks. It's all because of the damn internet and the belief by naive unlogical managers that by limiting access to physical branches, they'll save more and more money. Unfortunately, my wife and I and probably thousands of other customers experienced these "bank savings" firsthand.
At the beginning of 2026, I had trouble logging into the BCU app from my phone. I wasted almost half a day trying to connect/contact customer service and with no results. Sounds like fight with ghosts in labirynt. So I decided to visit the Maroochydore branch to fix it and also check when my home loan agreement would be renewed and get advice from people I already knew, trusted, and just could see. Upon arrival, I was shocked because the branch was closed, bank staff were laid off, and we, the customers, were as usual left "out in the ice" The only one Bcu branch on the Sunshine Coast was taken away. The closest now is in Brisbane (over 100 km away). There is no ATM's around and everything looks like the banks prepare customers to cashless era. What's wrong with you managers ? Where is your logic? How do you treat people – your customers? If your BCU name isn't and will not be visible anywhere, people will forget this bank even exists. How do you intend to acquire new customers and profits if most of branches visible from ANZ, West Pack, Commonwealth Bank, NAB, BOQ ...
Personally, unfortunately, I must declare right now that I am considering leaving BCU and move to another bank because we are unlikely to regain our BCU Bank headquarters. The answer as to why we will be forced to do so is likely similar to that given to thousands of similar BCU Bank customers.

1. We must have personal contact to negotiate with the same people, talk to the same people, and sign a new contract in the presence of people who know us and know what we are signing.
2. I don't intend to drive to Brisbane and sit in traffic for hours to meet face-to-face someone from BCU.
3. I don't intend to wait for hours for a call or answer it during work hours at unexpected times (these calls are forbidden even at work). There are cases of people pretending to be bank employees when they're not. There's no way to verify this. This is new scams trend.
4. I don't intend to talk to a different person every time and waste a lot of time explaining the same problem to a different person each time.
5. Online-only contact these days carries a huge risk of hacked websites, loss of savings, account suspension, and fraud.
6. Interpersonal contact is already minimized, and future generations will likely forget how to establish contact and maintain human relationships and conversations. Have you considered these aspects? If AI starts doing this for us, we humans will become PRIMITIVE PEOPLE again.

Conclusion is one. No banks, no cash and no freedom. Each bank will never be a trusted without physical locations. The rest is false illusion and virtual reality. We will wait for reopen Bcu bank branch on Sunshine Coast area because hope is dying last.

I had an account with P&N (Western Australia) and I was unaware that they had a "division" in QLD. So I decided to open an account with BCU (P&N) solely for the fact that they had a branch in Brisbane. After transferring all of my funds into my BCU account, my online banking and card access was blocked. I called and spoke to someone over the phone who said "you can't have a P&N and BCU account at the same time". I asked if that was the reason why my online and card access was blocked and she said that she doesn't know why. She stated that she needed to refer it to higher up and I would receive a call the following day. I never received a call back so I contacted the bank again and I was told that they couldn't provide me with any information. So my funds are "stuck" in an account that I have no way to access. I haven't been able to pay bills, do grocery shopping or even put fuel in my car. As a fulltime Student making money is hard and with the cost of living every cent goes a long way. I can't trust a bank that can't get the basic things right.

They brag about member owned banking is so much better than the big 4 banks but I never had this issue with any other financial institution. I decided to hand in my "notice of resignation of membership" and open an account with one of the big banks.

Useless , don't use them.
Terrible service and attitude.
Been with them for 14yrs.
Paid off hundreds of thousands of dollars in mortgages in record time.
No defaults.
And they still treat you like trash.
When you try and complain they just fob you off.
Save your self the stress.
Bank elsewhere.