BBB Logo

Better Business Bureau ®
Start With Trust®

BBB Accredited Business since


BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company offers banking and financial services.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Sharefax Credit Union Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Sharefax Credit Union Inc. include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 4 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

4 complaints closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 2
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 2
Total Closed Complaints 4

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Sharefax Credit Union Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: December 27, 1994 Business started: 01/01/1960 in OH Business incorporated: 06/10/1960 in OH
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Ohio Department of Commerce
77 S High St, Columbus OH 43215
Phone Number: 614-728-8400
Fax Number: 614-728-0380

Type of Entity


Business Management
Mr. Arthur J. Kremer, C.E.O. Ms. Peggy Moffitt, Vice President
Contact Information
Principal: Mr. Arthur J. Kremer, C.E.O.
Business Category

Credit Unions

Additional Locations

  • 10590 Reading Road

    Cincinnati, OH 45241

  • 1147 Old State Route 74

    Batavia, OH 45103 (513) 753-2440

  • 1550 Genntown Dr

    Lebanon, OH 45036

  • 5855 Cinema Drive

    Milford, OH 45150

  • 7443 S Mason Montgomery Road

    Mason, OH 45040


What is a BBB Business Review?

We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.


About BBB Business Review Content & Services:

Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
Not all enhanced content & services are available at all Better Business Bureaus.

Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.


What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.


Thank you for your feedback!

Help us improve by taking our survey.


BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.


Additional Email Addresses

  • - Communication/Mass Email
  • - eQuote
Find a LocationX

  Change Location
Show Only Accredited Locations

Complaint Detail(s)

8/18/2014 Billing/Collection Issues
12/13/2013 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: Yes I just checked my bank account on Tuesday 11/26/13 and they are showing that I owe almost 200.00 due to returned checks and fees and I didn't authorize nothing and this is the second month this has happened to me

Desired Settlement: I would like the 200.00 fixed on my account and my account to go back to 5.00 like it was before the over drafted charges hit that I didn't authorize

Business Response:

Re: Response to Complaint #******* ***** ** *****

The member has several preauthorized debits being charged through ACH, At the time of presentation, there were insufficient funds in her account to cover the ACH debits and NSF fees were charged. One of the charges was for her car insurance and the other for a loan, both of which were authorized by the member.

The member complained that the insurance premium should not have been sent through ACH until a later date and also had some disagreement with the company over the loan payments,

The member was informed to contact the originating companies to express her disagreement and to place stop payments on the items to avoid future charges to her account and possible NSF fees as a result of the preauthorized debits. She elected to place a stop on the loan payment, but not the insurance premium.

Although ail the fees were proper, as a courtesy, the credit union refunded two of her NSF fees.

If you have any other questions, please contact the credit union.

7/26/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I went to a store yesterday and attempted to make a purchase with my MC debit card, second purchase of the day, the card was declined. I called the bank and had more than enough to cover the charge so I was confused as to why it didn't go through. I went next door to the ATM and when I put in my pin number it came up that it was an unauthorized use and kept the card. I went home and pulled up the account online and it showed the card I attempted to use and another card, that I have never seen, under my name. My wife went to the same store later that day and was able to use her bank card, no problem.This morning I called the bank and they advised me that there was a security breech in **********, and my card number was affected. When I asked why I didn't receive an e-mail or any notification, they really had no reason for it other then they were just doing what they were told. This is NOT the first time this has happened with this bank. The last time we were on vacation. I'm not sure why this credit union feels they do not need to let people know about this and how they can just cancel your card and issue a new one with no notice.

Desired Settlement: I'm sure nothing will happen but there needs to be some recourse for the credit union. It should be mandatory that advise customers when things like this happen. We don't have a lot of money in there but the rest of our family have taken there money out and we are probably going to be following suit.

Business Response:

Sharefax Credit Union received a list of compromised cards in May 2013.  However, the plastic department elected not to “hot card” our members’ ATM/debit cards at that time since we had not experienced any fraudulent activity.  However, during the week of June 20th, we received a rash of fraudulent events on cards from the May list.  The credit union elected to shutdown the entire list of cards and reissue replacements immediately.  Cardholders were notified by email or by phone if there was not an email address. 


The credit union sent an email to Mr. ***********’s email address on his account notifying him of the plan to terminate his card and issue a replacement.  However, unknown to Sharefax, the email address on his account was his wife’s.   Therefore, he did not receive notification in a timely manner.  Staff has since spoken to Mr. *********** to explain the circumstances and apologize for his inconvenience.  Hopefully, Mr. *********** understands the situation and the need to take immediate action to avoid further losses after a series of multiple fraudulent transactions were detected.



****** ** ******

Sharefax Credit Union Inc.

8/27/2012 Problems with Product/Service | Complaint Details Unavailable