In this letter, we consider exact $mu-tau$ reflection symmetries for quarks and leptons. Fermion mass matrices are assumed to be four-zero textures for charged fermions $f = u,d,e$ and a symmetric matrix for neutrinos $ u_{L}$. By a bi-maximal transformation, all the mass matrices lead to $mu-tau$ reflection symmetric forms, which seperately satisfy $T_{u} , m_{u, u}^{*} , T_{u} = m_{u, u}$ and $T_{d} , m_{d,e}^{*} , T_{d} = m_{d,e}$. Reconciliation between the $mu-tau$ reflection symmetries and observed $sin theta_{13}$ predicts $delta_{CP} simeq 203^{circ}$. Moreover, imposition of universal texture $(m_{f})_{11} = 0$ for $f=u,d, u,e$ predicts the normal hierarchy with the lightest neutrino mass $|m_{1}| = 6.26$ or $2.54$ meV.