East Idaho Credit Union
Client Review on East Idaho Credit Union
Feedback:
Salmon branch manager was rude in telling me that an ach withdrawal for multivehicle insurance coming out early on 26Dec17 (before branch even opened) and generated an overdraft called (last defense) and showing "pending" would not be credited to me, despite having made substantial deposits same day to cover this and much more as soon as the bank opened its doors.When the auto loan was first acquired, there were erroneous negative marks on credit report from child support and another financial institution i no longer do business with. Both accounts were completely in the clear and had been for several years...they just never pulled their remarks. In fact child support was paid ahead and they issued a refund check to me saying they cannot be paid ahead of time. The loan agent at the Salmon branch received written confirmation by fax from both entities, but did not pull a fresh credit report to give me a good credit rating and interest rate. I was stuck at the highest interest rate their system would allow and lower loan amount eligibility.I have been paying well ahead on my auto loan so as to get principle paid down. I was told, today, at the drive-through in Salmon, that. I was paid up through March, and that East Idaho Credit Union no longer permits paying down principle on loans. The entire purpose of assuming this loan was to build credit i never had before. i set that even when paying ahead, they charge interest as though the time has elapsed through the future date. I have never been late on payments...ALWAYS ahead. I understand they are not considering a move to serve businesses. In light of the way EICU does business with individuals, i am reluctant to do business with them in my businesses. The final aspect, is i need a record of each month for tracking expenses and these, i am told, are not available because of a change to another system. All banking history is gone, but i can go into the branch and order research and pay an exorbitant fee to retrieve copies.
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