Texas Trust Credit Union

I banked at Security One for over 20 years. I never experienced any problems. My account switched over to Texas Trust and has been nothing but problems, hassles and a multitude of overdraft fees. I have called the bank numerous times, written letters and gone into the branch. I’ve been told they would look into my claims, with no positive results on my end.
The mobile app does not ever reflect an accurate balance (or available balance). It shows overdraft fees being withdrawn before actual transactions. It shows balances of plenty of available funds and then withdraws overdraft fees. I am told that I don’t understand how banking works. I have been charged in excess of $ 1400 total in overdraft fees over the last year. I keep thinking that the last one will be the last one, but I received notice that I was charged another overdraft fee today.
The branch stated that other customers have experienced this situation as well, but they don’t understand banking either. I’m done with Texas Tryst. I cannot afford to bank here anymore. I’m on a tight budget and $ 1400 is an enormous amount of money for me to throw out the window. I guess I do NOT understand their mobile app or their method of banking.
My next day off, I will be opening a new account elsewhere and ceasing all business with Texas Trust. I am completely dumbfounded at their lack of compassion to my situation and refusal to investigate my concerns about their mobile app. Who knows? Maybe I don’t know what I’m talking about, but if there is indeed a problem, that’s a whole lot of refunds they would have to give back to unsuspecting customers. No point in fixing it if it’s creating revenue and if they fixed it, it would be admitting that their mobile app is erroneous or at the very least intentionally misleading.
They obviously don’t have an IT department, because when I looked into «Bill Pay», one of the first options asked if I was a Cingular customer. Does Cingular even exist anymore? Needless to say, I didn’t need to entertain the thought of using Texas Trust’s Bill Pay.
I am absolutely certain that I have been wrongfully overcharged, but after numerous calls, visits and communications, screen shots of the mobile app displaying the misinformation, there is no resolution that benefits me. I have been told they would look into it, that they would not look into it, that I would need to visit a branch in person, that I would need to provide time and date stamp for each screenshot, that they charge lower overdraft fees than any other banks in the area (so I should be grateful, it could be worse) and that I «just don’t understand banking». I think I understand all to clear. I’ve been schooled by Texas Trust. Lesson learned.
If you are looking for a banking institution, I highly recommend you look elsewhere. Trust me, you won’t understand their banking methods and that’s all you’ll get from them.
If anyone has experienced a similar experience and wants to file a class action legal suit, I’m in. I’ve kept records of all communications and screen shots. I believe we have a rock solid argument.
P. S. On a different note, one of the communications with a branch manager stated we would have to discuss in person. I replied, «Okay. How about tomorrow?». He replied, «Where would you like to meet?». I did not respond to that as I thought it was inappropriate. I went to the branch the following day and was told he had the day off. Creepy! I’ve got the emails back and forth to prove it.
Relayed it to the next person I spoke with. Nothing. Just not a very professional organization. I’m really disappointed.

Fast, friendly, accurate service. More branches opening up makes it more convenient. New ATMs opening around Arlington/​Mansfield area, too.