Everwise Credit Union

Today, I tried to set up my car payment. The app is confusing, and I had to call customer service to have them walk me through adding my personal bank account from a different bank. I got someone who didn't speak clear English, and it was nearly impossible to understand the word "transfer" when he said it. Then I was told I couldn't pay my own car payment because the loan is in my husband's name, not mine. Seriously, are there car payment fairies out there paying random people's car payments? If so, they can pay mine! Jokes aside, I couldn't make the payment without his permission. After 37 minutes on the phone with these people, trying to make the payment and arguing with them about a $10 fee to pay by debit card, they tell me I can call this number and pay it for free with my checking account information. Worst credit union ever.

LOUSY CUSTOMER SERVICE! I have done business with several local credit unions over the years. Everwise CU is by far the worst credit union I have dealt with. They have poorly staffed branches, and I often have to wait for someone to help me even when there are hardly any customers in the branch. When I call to get some information, I am asked to leave a message instead of having someone answer the phone. The only reason I have done business with them so far is that they have had some attractive rates, but I will most likely close my account in the near future.

After transferring from the Teachers Credit Union and with the closer branch closing as well, I was glad to find the employees had found a new location in St. John, Indiana, under the Everwise umbrella. Seeing as I take care of my mother's affairs, them knowing me was really comforting. I visit the branch in St. John only once a month, but I look forward to seeing my friends. I drive quite a ways from Illinois to Indiana to do this, but that trip once a month is something I really look forward to. I get up early, grab donuts for the staff, and away I go. I know I could use the site to handle my transactions, but it isn't the same as meeting great people.

Thank you, my friends. I really appreciate you and all you do.

I had been a TCU member for a long time, and they were always such a great, helpful, and kind bank. Since the buyout by Everwise, I continue to be shocked at the terrible customer service. Calling in is a nightmare; all the agents can do is read off a script and 'transfer' you back to an automated main menu or leave you on hold until you give up without any resolution. My debit card keeps declining basic subscriptions I've had for a long time as fraud, and they are not apologetic or helpful in explaining why they flag seemingly normal transactions as suspicious. I will be moving away from this bank and taking my business elsewhere. I do not recommend it.

I had an Everwise business account as of Monday. That same day, I called my local branch to ask if I could use my account to wire money to an account in Thailand to purchase property. After double-checking, I was told that I could.

By Wednesday, I had deposited $5,000 cash into my account. A Zelle transfer from a partner in the deal was made on Tuesday but was delayed by Everwise in hitting my account until Wednesday.

On Wednesday, I went into my local branch, where I've gone for years and had discussed the transaction over with in person and over the phone in the prior two days, and attempted to wire the money from my account to the property owner's account in Thailand. I was told that there was a delay 'from the back office in South Bend' and that I should come back later in the day.

In a nutshell, the back-office person had frozen my account, stopped my access to the Zelle deposit, and denied my access to even the cash amount that I had just deposited. Where they initially said they were investigating for fraud, for my protection, by the end of the day they offered to allow me to close my account and leave with a cashier's check (which I did not understand, nor was I told would not clear for 6 days), or to leave without being able to even withdraw the cash that I had handed them 3 hours earlier and be investigated for fraud. I left with the check.

It is also important to note here that the back-office person who put a hold on my account did absolutely nothing to investigate whatever suspicion she had of me in the three days since I had inquired about this transaction. She did nothing and was caught off guard by telephone, 30 minutes before she left for the day, on Wednesday when the branch manager whose office I was sitting in dialed her number and handed me the phone. It's a very real possibility that she simply made this rash decision to throw me out and to knowingly delay any other possibility of completing the transaction, which I had expressed since my initial call on Monday was time-sensitive, so that she could get me off the phone and go home for the day.

I am not business savvy. I opened an LLC a few years ago and a business account when it was still a TCU. For the few, small issues that I ever had, the local branch was always helpful.

This experience, where I trusted Everwise Credit Union to help me with a simple financial transaction that they assured me they could handle, turned into an accusation of fraud against me. Because of the delays and their conduct towards me, I am not able to wire the funds in time for my partner in Thailand to make the purchase. We will not be able to purchase the property before my partner has to fly back.

If you are a small business and in need of guidance in some of your financial transactions, I would advise using a larger financial institution that hires and trains people in how to go about this.

I left Everwise feeling like I had just tried to return some jeans with the tags missing to the Gap and the store manager decided that she was going to use her full power and authority to stop me. That's not the way banking should be. I'm an honest person who is attempting to make an honest transaction. There should have been an easier way to figure that out.

I am very angry at this point. For some reason, Everwise continues to decline my debit card. I call, they reset the card, and boom, it declines again the next week. This huge inconvenience has caused some of my accounts to contact me and close my accounts. Now I have to get a new debit card and go through the hassle of contacting all of my streaming channels, my shopping accounts. I am seriously considering closing all my Everwise accounts and going elsewhere. This has been going on for a few months now. Everwise, do better!

I paid off my car loan by obtaining a car payoff statement. We paid the amount shown, and to my confusion and disappointment, I went online to ensure the balance was showing zero, and there was a $185+ balance. I called multiple times to find out what was going on. The first couple of times, the employee was not able to assist at all. So, on the third try, I asked for a member of management. I spoke to him on Friday. He told me he needed to look into it and someone would reach out to me on Monday. It did not happen. So, I am writing this review because their customer service is deplorable. I am going to find out why I still have a balance on my car loan and then move ALL my accounts from this credit union. They don't deserve my patronage.

Never use this credit union. They have a complex system with multiple places to log in to manage your car loan. You call them, and they tell you what you want to hear but will not follow through. They continued pulling our automatic payment for three weeks after we paid off the loan. It's a significant scam.

Everwise's service is poor to nonexistent. Everwise purchased the credit union I belonged to. The level of service has significantly declined since Everwise took over. The most recent example: Last month, I set up an automatic transfer of $500 per month from my savings to my checking account to cover a life insurance premium. I just received a 'non-sufficient funds' notice stating that Everwise had declined to honor a check that I had sent to the insurance company for the payment of the premium. Everwise has charged me a $32 overdraft fee. Obviously, Everwise failed to transfer the $500 from savings to checking. This is the last straw. I will close the account tomorrow.

Do not use this credit union. A financial institution is supposed to be a place where you can trust your money is safe. This is not so for Everwise Credit Union when on June 24, 2024, the manager at CR 6 in Elkhart emptied my bank account and removed all of my money over political differences. I am a diabetic and need insulin to survive, and Paul stole all of my money from my account and closed it, and I haven't seen $1,427.53 since. My money is gone. I am trying to recover my stolen money, and no one at that branch will return my calls. Your money is not safe at Everwise Federal Credit Union. Do not bank there. Hopefully, the CEO will help me recover what is mine. Paul is a horrible person and can't be trusted.

It has been a good experience so far. We will see as time goes by. I will possibly use them again with a lower interest rate. I need to create a good rating

Teachers Credit Union has been very helpful and the Balance on Loan is $11,700 with monthly Payments of $449 making payments 0f $450 Bought out by Everwise

Great people to work with. Karen is very nice. Customer service is good as well. The only thing I would say is that when I came to pay my loan off I was asked how I got the money to pay it off. That is none of the banks business.

Member for approx. 15 years and couldn't even approve me for a small personal loan to help consolidate little credit card debt....

Absolutely terrible customer service!!! First of all, it takes around 20 minutes to get through their phone choices and get to talk to a person. Then they ask you about 55 questions in order to talk to you about your account (mind you, my account consists of a car loan that is paid off and a $5 savings account that I had to open in order to get the car loan). I was calling because whoever I talked to previously gave me the exact dollar amount for a car loan payoff. I paid it - then waiting for the title... it never came. So I logged back into their archaic website (the tellers don't even know how to walk you through finding anything on the site including account numbers) and see that I have $.78 due next year. Umm... what? So apparently they didn't get the calculation quite right and I would never have received the title had I not called. Had to have them take the $.78 out of my $5 in savings to pay off the vehicle in full and release my title. Now I'll be waiting another 2 weeks for the title and they are sending a check for the $4.22 remaining in my savings as I told them to close the account. What a joke. I will NEVER do business with them again. Sad to say that I am a REALTOR® and they are not on my fan fave list of home loans either. Do better please.