@DaisyLee wrote:I have an approval credit card with BCU pending membership but i cant find much info on the forums about it here, its been a bit sluggish the whole process but are they a good cu? im thinking about cancelling this application but not sure..
I joined Saturday and had an account for membership and my online access was up and running even my credit score was available. I had acces right away to my savings - all was fine. However on Monday I couldn't access my account at all it was totally locked out. I've been on the phone with them everyday this week, they wanted documentation for verification which I submitted on Monday. I received no feedback that the information was received via email which is unimpressive to me being it was personal information. I just hung up with them again this morning. Still nothing. Each time I'm told it is in review. The verification is very sluggish, I don't know about the rest although I have heard very good things about them which obviously must occur after you're identity is verified. I have NFCU, DCU, and Affinity. I applied at this one because rumor has it they give very gracious limits like NFCU and a few others. Good luck.
posted this thread too soon.. they might have been good at one point but IN MY OPINION<< they are trash. Approved for a 10K CC no docs required then for a simple membership they wanted a million docs, id social utility bill then they asked for a PAYSTUB for membership. Lool. To each his own, I Dont like this credit union. For CCS you get stated income which is what they took. Never for a membership or bank acct have i been asked for POI. i dodged a bullet "IMO". this is my own opinion. Thanks for sharing YOUR opinion 
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I had absolutely no issues joining them, but I did go through my employer. I never had to submit any docs.
@DaisyLee wrote:posted this thread too soon.. they might have been good at one point but IN MY OPINION<< they are trash. Approved for a 10K CC no docs required then for a simple membership they wanted a million docs, id social utility bill then they asked for a PAYSTUB for membership. Lool. To each his own, I Dont like this credit union. For CCS you get stated income which is what they took. Never for a membership or bank acct have i been asked for POI. i dodged a bullet "IMO". this is my own opinion. Thanks for sharing YOUR opinion
So i will give you some DP's;
I have memberships at over 35 credit unions.
I have never been asked POI for membership, savings and or checking.
However 99% of CU's require POI for a "credit product, IE: credit card, loan or line of credit"
In response to your comment;
"Approved for a 10K CC no docs required then for a simple membership they wanted a million docs, id social utility bill then they asked for a PAYSTUB"
They may have you approved for a credit card, but will not finalize without requested documents. You may be thinking that they were requesting all those docs for membership.
I have had a ton of experience with this.
I would hardly call Baxter CU "Trash" ...
@DaisyLee They didn't ask me for proof of income. They wanted identity verification. Your situation appears they wanted it because you applied for credit, that is acceptable and reasonable to ask for especially being you're not already a member. Their customer service for me has been sluggish but within regular limits of most FI.
I love BCU, members through my husband's employer. We've been with them for years, and even when there are normal glitches in the matrix, their customer service has been wonderful. I agree with the others, the credit app in conjunction with a memership request may be the reason for additional documentation, especially in the current credit environment.
