Very disappointing service from the UCB system. I have been a customer from a number of years and was treated as a child. I use multiple banks and live far away so I keep a very minimum balance in UCB so I can have a local bank for the occasions I return back. Due to a very small fee that was attached to the UCB bank account my account over-drafted. This bank never once notified me, email, call, or text. They let a $150 overdraft fee rack up (I don’t have a reason to check this bank since it's rarely used) before the sent a letter 3 weeks later. Any other one of my banks would call, email, and text to notify me this happened. This is borderline robbery. I can’t trust this bank anymore. I emailed multiple people and sent in complaints and did not get a single response back, unacceptable. The only benefit of using a smaller bank like this should be superior service and they provided very poor and rude service. Take your business elsewhere.

When Illini switched over to UCB, customer service was lost. I went from a customer of years with Illini to being a complete stranger to UCB. One week they would cash a 3rd party check. The next week they wouldn't. They at least get a couple stars, because when I did call the manager to say that their service needed to be consistent, she called me back an apologized. She said it was because the teller was not familiar with me as a customer. Do they have no access to see how long of a customer I was with Illini? Sidenote my account had enough money to hold in order for the check to be cashed. Needless to say, I went to my other bank and had it cashed.