*Update – they found the problem, and sent me a check for the dollar amount I had lost due to their fee.
I just received my statement. They wiped out my account, the exact dollar I had in savings they charged as a fee.
One of the worst!! Open an online acct and fund it then go turn in paperwork there they say sorry we can’t open this acct for you.ok where is my money i funded the acct with??? What a joke that place is
Lucked out when my Cuzzzzz had to co-sign for a loan 😊And here I am ~~~ My loan is paid 👍 But I’m not going anywhere *** I love being greeted with a smile 😊 Problems have been solved / my silly question answered 🌠 Thank you …
Absolutely digusting costumer service hung up on and left on hold for an hour when u live a state away you would think they would help ……never come her staff is terrible
Absolutely terrible !!! Trying to pay my loan off and can’t speak to a person ! You can’t change the payment amount on line and no one will call you back ! I guess they don’t want their money !!!
They have saved me from so much grief! After being dragged around for months by Santander they saved the day and helped me solve a heloc issue within a few weeks. Thanks!!!
Yesterday I called GCU and placed on hold and after about 15 minutes when no one had picked up my call, only then, I requested for a call back through the automated voice, and still I have not received that call back
This credit union is a disgrace to all credit unions. I will never do business or recommend anyone to do business with them. They don’t care about customers like a typical credit union. STAY AWAY!!!!!
Financed my commercial truck loan with them! they were courteous and always helpful for any issues that may have risen being my fault or theirs and always took care the problems, promptly.
Terrible customer service,
Trying to get to a human that actually works in the bank is an aventure.
The call center people have no authority to help or do anything, do you business somewhere else.
they never send anything by mail and it leaves you uninformed and at the end of my loan finished they decided to keep the overpay balance because I had co signed for someone else ,awful customer service ;please never deal with those disgrace, thieves 😡 …
Fantastic service. Samantha was so professional and easy to work with. Really took the time to make sure I understood everything about my loan and answer any questions I had.
Phone app access to my CD account provides just one month of interest and no more. This bank is so below par with other Credit Unions. I only opened the CD account for it’s one time high interest rate. I wouldn’t bank here.
The services rendered by the Greenwood credit union staff are extremely poor. There are many other credit unions and banks. Don’t go to Greenwood, it’s not worth being treated without respect.
This place is every bit as bad as any of the bad reviews. The customer service is horrendous, and they’re about 10 years behind in technology. I basically was tricked into using them for an auto loan. Never again. …
Horrible CU, I’ll rank BofA, First Citizens, TD Bank and Webster as all vastly superior to Greenwood. Bad customer service, bad systems, gimmicky small print scams are all you’ll find at greenwood cu.
They make it almost impossible to pay off a car loan, terrible. I’m on the phone right now and 10 minutes have gone by. They are the most difficult people to give money to.
I recently got a new summer job and went to open a checking account with a debit card. The employee, Siran, was so sweet and explained how everything works thoroughly since it was my first time opening an account!
Just such awful customer service. I spent a month trying to get a loan and provided them with everything they needed only to find out that I wasted my time. And don’t bother calling, even if you know your party’s extension they won’t pick up. I would give zero stars if I could.
I drove down to the bank to payoff a lial. I wass coming from an hour away in MA, on Monday 8-13-18. I arrive at 1pm to find the place locked up and not a soul around. No sign on the door no message on the website, was supposed to be open 9-4. Still can’t get anyone to answer the phone. What gives?
I never leave reviews but the amount of bad experiences I’ve had I needed to add to the dozens of other bad reviews. Website hardly works and is extremely basic, phone service always brings me to an answering machine and when I do get …
I have called three times and faxed a request over for my car payment coupon book. Three months later and I have still not received it. I am sure if I didn’t pay my car payment that I would get something from them right away. Customer service is horrible.
All of the employees my husband and I have worked with have been professional, friendly and extremely helpful. Dawn Leduc recently helped us and she went out of her way to make the process quick and easy! Thank you Dawn.
I like this bank, so much that I wanted to get a mortgage. Called and left a message, two weeks later, no call back.
update: no one ever calls me back.. or answers.
TERRIBLY DYSFUNCTIONAL WEBSITE! I JUST needed to SIMPLY login to see how much interest I’ve paid (for tax purposes) and they keep changing their CHEAPLY BUILT website’s log-in page. I have WRITTEN down EVERY TIME this stupid company forced …
Very poor customer service. Car loans cannot be paid on line and they want to charge a fee to do it over the phone. You would think a lender would want to make it easy to make a payment.
Worst online/phone experience I’ve literally ever had. Every month trying to pay my loan is an incredible headache the website is garbage and never works then trying to get ahold of a human is almost as difficult once you finally do you get …
Coming from a past of big banks until very recently, I have found my Greenwood experience very pleasant, customer focused (not just ‘check the block” bank focused) which is nice. Nice people easy to do business with.
I’ve been trying for the past 4 days to make first payment on the loan I have through Greenwood. I can’t login online, the website can’t even find my account number. I’m beyond aggravated and I couldn’t get ahold of someone yesterday. Just trying to pay off what I owe…. didn’t know it would be such a struggle to make payments.
I worked with Dawn Leduc over the last week on a heating loan, she was fantastic! Answered all of my questions and we got everything done in just a few short days. Over all a great experience.
Dawn Leduc was excellent to work with, very knowledgeable, friendly. The service at this bank is impressive. I got a lot accomplished in just my lunch break! Thanks Greenwood cu
Trying to secure a home equity loan. This is the second time trying with the institution that I’ve been with for years. Last year I was told to increase my income, so I did another 90% more than asked. You think that worked, he’ll no. Their …
I have a lot of respect for this bank i had a shady car dealership get me a loan thru them. i noticed the dealership made the loan more then i agreed to and the loan dept helped me in big way with information. I got a new loan with great rate and payments thanks Greenwood
Samantha made my experience very pleasant! She was very friendly and knowledgeable! I would highly recommend Greenwood Credit Union for your banking needs. Thank you Samantha!
I was very interested in opening an online CD account with Greenwood credit union, until I read all this horrible customer service reviews and complaints. I am from Florida how are they going to answer all my questions if they don’t pick up …
Worst bank I’ve ever dealt with, asked to refinance my vehicle and was told they would get back to me, that was 3 months ago, still no call. Intrest rates are crazy high, and customer service is ok less then half the time. STAY FAR AWAY FROM THIS BANK, it’s got a poor rating for a reason!!!
I paid both of my loans off with them and they did not send me my titles out in the mail for 2 weeks? I told them I should charge them a late fee, its ridiculous that they do not care about sending titles to people that officially own the cars and them holding the titles hostage.
This place is a nightmare for loans. I’ve spoken to three people, who all give you different information.. and no one honors what you’ve been told. I need to refinance and get my loan far away from this bank
The service was awesome! Samantha Potter my Loan Officer was great, she outline the process and made my experience a breeze form start to finish. I would recommend Greenwood CU to everyone.
Have been with Greenwood for close to 40 years. Wouldn’t leave them. There workers are outstanding! Just had a problem with an airline ticket and 2 of their workers went above and beyond to fight for my money back.
I had a car loan with the credit union and was making monthly payments with my credit card without problem (my credit card payments in the past were never a cash advance). I saved some money and decided to payoff my loan balance and went to …
Have been a member of GCU since they gave me a loan for a car when no one else would. When I lost my job they were more than willing to work with me and they were a great help. They were so great, I even went back to them for another car loan after my old car died. Thank you!
If Feb 2018 I secured a auto loan. My payments are 347$ a month. As of 9 /5/ 2018 I have made over 3600$ in payments. But I have been charged a 17.00 late. I tryed to call them to discuss this. Unable to contact them. I do not recommend doing any business with them.
I wish ZERO stars was an option, because that’s what I would give. I have an atv loan through Greenwood. I recently had an accident, and some damage was done to my bike. I have insurance through Progressive. My insurance cut me a check for …
I’ve had my business account here for 4yrs.. Saved $1200 vs my old bank’s business checking fees in that time. We’ve also had 2 auto loans here, very easy to work with.
The worst customer loan department!! WE have a business car loan through these guys and they are rude, uncooperative, and hung up on us twice over the phone when inquiring about our loan payoff amount when we asked them to hold a minute …
The short review: Their only reliable payment option costs an additional $10, and their phone and online support are so bad, it almost discourages paying. …
I have been trying to contact them through the call, for about an hour and it redirects me to an automated message that no one is available at afternoon 1 pm
Joslyn made a difficult account opening very easy. She set up docu-sign for those who couldn’t get in to the bank. She followed up on things and was a pleasure to work with.
The Greenwood Credit Union is an important part of our community. As a member, I appreciate the good work they do. As the head of the St. Greg’s Baseball League, I am grateful for their support in sponsoring a team. Thanks to GCU and your wonderful team!
Hi , okay…. after reading many of reviews about Greenwood credit union some good some bad, i think some reviews are worth greenwood credit union to correct the problem and make sure their clientele problems are looked at and solved as a …
I have worked extensively with Holly in the commercial lending department, and the personal service and attention that comes with working with a small local bank are exactly what you’ll find here. Even through challenging financial times …
In this day and age each of us need to be very careful about our business decision. Greenwood Credit Union (Post Road, Warick, RI) need to improve their customer relations. If you don’t mind being told that you don’ t know what your talking …
I love GCU! I have been a member since the early 80’s. And now live in NH and can still do my banking from here. And get very Great Service. I can take pictures of my checks and send them via text and get them cashed.
Fantastic service. Samantha is very professional and easy to work with. She really takes the time to make sure you understand everything. We have used her for multiple loans and would recommend to anyone interested.
Samantha at Greenwood Credit Union was fantastic to work with!! She made my car loan process fast and seamless without any problems! I highly recommend her!!
Thank you, Samantha!!
Horrible customer service. The people in the loan department can’t even answer basic questions. Simply do what the computer tells them do to. I spoke to several different people over the course of three days and there was no consistency at …
I had an auto loan through Greenwood Credit Union which I always paid more money each month on time making me 2 months ahead on the final months payoff. In November of 2012 I was laid off from work and put on unemployment so I called …
Jason Bouchard, VP of Auto Loans is amazing! He goes above and beyond to ensure his customers are satisfied. I will be highly recommending Greenwood Credit Union to everyone I come in contact with for their banking needs. Thank you, Jason! I look forward to doing business with Greenwood in the very near future. Ashley Sampaio
I have been trying for two months to open an new account as my past wife has died in another state. Her name is on the account, and I can not get a death certificate. There is always another step to open an account and get the money switched into a new account.
Was the only place that would accept a loan from me. To set up payment i had to call multiple times. I was also told that automatic withdrawal would be set up. It was supposed to be withdrawled a week ago from today. Ive been trying to get …
Dawn Leduc, loan officer, was exceptionally personable and knowledgeable. She made it a comfortable process. There’s absolutely no substitute for experience.
I strongly advise against doing business with them. My father had a loan with them, which he was having difficulty paying (he was behind a couple months). He passed away two weeks ago, and we have been trying to get his estate sorted and …
My aunt has a car loan which she has called to get me put on before. I walk out to go home(Warwick, RI) today from work( north Smithfield, RI) and my car is not in the parking lot. Tried frantically to get in touch with my aunt and GCU, to …
I am a long time customer of Greenwood Credit Union and can say with certainty I will never go through them for any personal banking or loans. In an economy like this, you might *hope* that a smaller credit union would work with their …
Very bad customer service. I have a loan of my car; and m I am trying to get a copy of the title to make a transfer from MA to RI, that is what the DMV required; I called and the attendant said nothing they can do; he said that I should …
I made a late payment due to financial difficulties. I explained my current situation and was able to work it out with GCU. I have had my auto loan with them for more than 3 years and have never had an issue. Jason was understanding and helped me out.
Unacceptable. Online banking is a joke. Plus you never receive statements or balances for any loans without calling. Not user friendly, no access to how much is remaining. They’re probably pilfering money so they don’t give balances or …
I’m been a member for many years. I find the tellers are polite and helpful. The limited telephone banking suits my purpose, however
Mobile banking not their strong suit. I was shocked by the webpage’s lack of …
absolutely awful experiences with my loan. The website lacks any information on my account besides my previous payments. There is no total of what I have paid or how much I still owe on the loan. When I call customer service it takes at …
This is the worst credit union I have ever dealt with and I usually love credit unions! To make a payment online is the most backwards, complicated, process I have ever dealt with! I have to make two transfers just to pay my auto loan! Why …
I had a great experience getting my car loan through GCU. Samantha made the process easy and answered all my questions, she made the whole experience wonderful. If I ever need any other loans I will definitely be back to see her!
Im about ready to start a petition for a new drive up ATM. Its broken or as they say “down for maintenance” more than it works. Not to mention not user friendly. Greenwood should call Navigant and ask where they get there ATM’s from. Since …
Best tellers around. I don’t use online banking or the website just go in the old fashioned way to do my banking no direct deposit. Never had a problem with a mortgage from them either. Friendliest staff always helpful and have a smile on …
On August 24th I had my credit pulled once, unfortunately, the bank pulled it twice. It now appears on my credit as a “hard pull” two times. I have made 7 to 10 calls into the bank. I consistently have had to leave messages on voice mail. …
There are not enough words to express the gratitude and admiration I have for the folks at Greenwood Credit Union and the level of professionalism they bring to every client interaction. I am a Rhode Island transplant that came here in …
My experience has been awful. I received a car loan at a great rate through them, but that’s where all the smiles stopped. I wish I could give it 0 starts. The bank seems to have put up every barrier there is to be able to 1) know how …
This place was awful. I applied for a small motorcycle loan and spoke with Cindy, and it was PAINFUL. After her telling me she was going to get back to me a few times I reached out to make a customer complaint. The guy mike I emailed was …
Terrible customer service. I called Saturday 11/2 and left a messaging regarding someone helping me change my name on my auto loan. Never received a call back. Called again Thursday 11/7 and spoke with someone who “didn’t know how to do …
I have worked with Jicelyn to establish accounts for my son over the past 5 years. She has supported both of us through his financial planning and trials as a single Dad!. He has reached out to her for guidance and has achieved independence …
I have been banking with Greenwood since I opened my first account for my first job. I have since moved to Florida and I still use them! Their available services and accounts make it an easy choice. With all of the online banking options I never have a problem! I would highly recommend GCU for any banking needs.
Honestly the longest and least accommodating loan process I have ever been through. It took over 2.5 weeks to get this loan completed. My loan officer was impossible to connect with over the phone and less than helpful with questions …
Believe the reviews. This place is a joke. The online system is terrible, the automated phone system is incredibly inefficient. I just called to payoff my loan to not have to deal with them. The automated system wasn’t letting me do that so …
Samantha could not have done a better job processing my loan! She was friendly, thorough, helpful, efficient, informative, knowledgeable, personable, upbeat, and highly competent! …
I just can’t do it anymore. Literally every single month they change their automated answering service. Literally every single month I call and complain. It is ONCE AGAIN impossible to make a car payment as they have ONCE AGAIN deleted the …
My wife has her car loan through Greenwood and we were looking to pay it off so we could obtain the title and sell the car. Spoke to numerous people there about the process and was told we had to wire the funds and the title would be …
Dawn in the loan department was amazing very understanding polite a really honest. She listen to my concerns answered all my questions. I highly recommend greenwood credit union for any of your needs. Not only that the hospitality in Greenwood credit unionI phenomenal!
Worst credit union I have ever dealt with. I was in customer service for years, if someone got behind a payment we would call and ask what was going on not just keep charging them. They had no problem calling me to inform me they were …
Do NOT do any business with this company. I purchased a car through a dealer, financed through this company. Not realizing what I was getting myself into, they had a low interest rate so I went with them. I have been trying to set up …
As others have said, if you have a loan with them they don’t show the balance on the online account and they don’t send you statements for the account. I have never seen anything like it before. I sent an email to them to get up to date …
Greenwood Credit Union has served my family my entire life. Their customer service is second to none and their technology has come a long way! It’s great to have the credit union option locally and on the go with their new app. Huge thanks …
I’ve been using Greenwood Credit Union for several years for all my banking needs, they are outstanding to work with, friendly staff, and the rates on their loan products can’t be beat. I look forward to working with them in the future. Sincerely, one happy customer!
I have used Greenwood Credit Union for both of my mortgage transactions. Everyone that I have worked with have been incredibly helpful, knowledgeable and make you feel like you are their most important customer. They made a stressful …
I have been a Greenwood member for almost 3 years. Originally I became a member for my business and now have opened an account for personal too. They are very easy to deal with and are extremely helpful when I have “misplaced” my debit …
I would recommend everyone bank at greenwood credit union! I have my checking account, auto loan, and credit card through greenwood. They took the chance on me and I am so very grateful. Customer service is excellent and the branch feels …
Worst customer service I’ve ever experienced at a bank or credit union (and I’ve been a customer of Bank of America.) When forwarded to the department that takes payments for loans I had to leave 3 messages instead of being able to connect …
My experience from the first day was good. I was greeted with a smile and asked how they could help. Then I met Micheal and it only got better from there, all my questions were answered and my home equity loan went along very smoothly. When …
Terrible Service. The only way to see you loan balance is to call them and the majority of the time the call will drop for no reason before you can get to someone. Their “Pay” system says that you should enroll for Online Banking to see you …
As others have said, can’t see outstanding loan balance online. According the the person I spoke to at the bank, you can see your balance if you have an account with them. In 2019 to have such an outdated and inadequate system is …
This Credit union is a joke. Not only did they take repossession of my car during the pandemic after two missed months but alongside their short business hours and long lunch breaks, their automated telephone banking is tedious and the is …
I’ve once again been contacted by phone after repeated attempts to be asked to be contacted via email due to the time difference where I live. In good faith I called back and no one even answered, which I have documented. When they emailed …
UPDATE: I would like to update my review. Although my initial experience was not good after the issues we had with the title for my car I have to give Greenwood a couple more stars because of their response afterward. The president of the …
I have been a customer of GCU for over 30 years! I love that they recognize me as an individual when I go in, not just another account holder. They know who my husband and children are and make my experience a personal one each time. …
Every time I have called into GCU I have found myself so impressed with the friendly customer service of everyone from the receptionists, to the billing reps, to the underwriters. …
I feel like I’m losing my mind when I speak to this bank. I’ve been with my primary credit union since 1999. They messed up, kept sending car payments even though I refinanced my loan and halted auto payments to Greenwood on the initial …
Customer service should do more to help customers get information in a timely manner. I call asking for info on my husband’s account and they refuse to talk to me unless my husband gives the Ok. You would think they would just kindly …
I have always had excellent service from the Credit Union. My Mom is ill and I can’t say enough about the help I’ve been getting from Joslyn Clemm in adding me to the account to balancing the checkbook to answering any questions I may have. She has made the process so smooth and less stress for me.
They helped my business get a PPE loan when my bank was too busy to help, and they continued to help when it was time to file the followup paperwork. Everyone on the team has been wonderful to work with throughout the process. I will be …
5 stars for Miranda and Chuck! Had a not so great experience at first being told multiple times there was no way to view balances/payoff/etc on my auto loan through online banking and just to wait for the quarterly statements and keep …
I have banked here since I was a child, I have a car loan and a credit card here as well and I couldn’t be happier. Always love the friendly personalized service
Spoke with Luana and then supervisor Melissa today as the credit union began taking double payments from my account. Melissa agreed that their technology system is not working well and also agreed that their reviews on Google are poor as …
Not a good banking app. Always problems on the weekend. No available help on weekends. Must wait till following busdiness day.. this is why i never fully deposited all my savings here…just my opinion…. they were quick to help fix the …
I wish every bank was like Greenwood! We utilize multiple accounts and services with you guys. Your lobby is always filled with friendly, happy vibes. I love your tellers, esp Doreen. Doreen is such a sweet gem. I usually stick around way …
Had a great experience with my car loan with Greenwood Credit Union. Every call with Greenwood was handled in a professional manner and the final payoff and closing of the savings account was incredibly easy. All calls were immediately …
Do NOT refinance car loans with this place. Thanks a lot credit karma for including this god awful company in your suggestions. Definitely not worth it.
2 stars only because I like the idea. But the rest of the processes with this entity has been unacceptable for a bank or a credit union. It’s a shame and completely unprofessional.
You pay, you pay double payments, you get in a bind…do call your not-so-friendly greenwood. Don’t get me wrong some people that work in the bank are super nice, but the employees with an office or the ones that say yay or nay…are not understanding give you a little break people kind people.
I love Greenwood C.U. best bank in R.I. The people are excellent.Tellers, Loan Officers everyone. The credit card rates are the absolute best anywhere. 9.90 fixed( and 14.90). Best anywhere. I have had auto loans,savings, and credit with …
Stay away from this place!!! They claimed they notified me to make a payment and they did not until 31 days after so they could report it to the credit bureau. I should mention I made the payment as requested once notified that it was …
Greenwood Credit Union truly cares about their members. I can’t thank them enough for helping me work through special circumstances. It’s great to have a credit union that looks out for their members.
I recently switched my savings and checking accounts to greenwood and have been so impressed with the personal and thoughtful service I received. I have many questions and the member service reps have been outstanding and patient. It is one of my best decisions and I love that they have a positive presence in our community
Kept billing me and hit my credit score after I had paid off the vehicle loan, and now took $10 out of the savings account I had to open for the loan for an inactivity fee. So open a savings account there to leave money in and they will …
Adelina in the title department was extremely helpful when I needed to change the title of my car and obtain it to register it in a different state. She was compassionate and sympathetic as the change was due to a death. I appreciated her help as she made a complex situation smooth and provided me guidance on the process. Thank you!
Auto loan since December 2019. Auto billing issue since start of loan. I signed in and set up automatic payment but it did not go through until January. GCU says I’m late so they charge a late fee. Why would I go online and set up billing …
(Translated by Google) very kind
(Original)
Muy amables
*Update – they found the problem, and sent me a check for the dollar amount I had lost due to their fee.
I just received my statement. They wiped out my account, the exact dollar I had in savings they charged as a fee.
Alex had addressed my issue on refinancing my vehicle. Thank you!
Absolutely wonderful
Great bank …….
Employees are very rude.
Never had a problem
A small bank. Fair parking.
Excellent service and helpful people
Great people and great service!
Outstanding job by Dawn Leduc
RIP off
Responsive, professional and easy to work with!
Dealing with this bank has been a nightmare.
The phone payment system is just terrible!
okay service, they take care of me
Thank you to Will and Maryanne for all your help you have no idea how much i appreciate your help Thank you Thank you
Nice place to bank
Phone line is absolute garbage. Don’t do business here
Turned down for a loan credit 650 and not willing to do anything…
they’re in R.I. so, you know, there you go.
Horrible company for any loans !
Spoke with Melissa, she was very rude and unprofessional
doing business with GCU since 1989 and have never been disappointed
I take back what I wrote, as operations manager helped me out and solved my issues . Not 5 star because it took long for me to solve the issue .
First class professionalism. Diligently attentive and amicably personable. Thank you for all your help.
I had a wonderful experience at Greenwood Credit Union.
No one ever answers the phone. The left hand doesn’ t know what the right is doing. High rates
Just dont. If you dont use them find another place. If you dont have a choice, good luck…
This is by far the worst company I ever worked with. Rude employees and disrespectful
Great service, amazing place to bank!
The staff and the manager are amazing and so helpful. I wouldn’t bank anywhere else!!
There’s always a LONG line. It feels aa though this place is stuck in the 50s. I got so disgusted that I actually changed to another bank.
I’ve called multiple times throughout the course of my loan and I have never been able to talk to a person. Always a answering machine
This has to be one of the worst customer service I’ve ever seen
I have one simple question and you can’t get a live person. When you do, they can’t even answer your question or transfer you. Just awful!
Samantha knows her loans! She made the whole process easy. Thank you!
WORST BANK EVER! unorganized, unprofessional and unfriendly!! constantly had issues with them taking money when they were not authorized
Joslyn was amazing! She went above and beyond assisting me today!
Absolutely horrible credit union nothing but issues the whole time we had to use this company.
One of the worst!! Open an online acct and fund it then go turn in paperwork there they say sorry we can’t open this acct for you.ok where is my money i funded the acct with??? What a joke that place is
Great bank for personal or business. The team there is friendly and helpful. The is a feeling of family and comfort.
Lucked out when my Cuzzzzz had to co-sign for a loan 😊And here I am ~~~ My loan is paid 👍 But I’m not going anywhere *** I love being greeted with a smile 😊 Problems have been solved / my silly question answered 🌠 Thank you …
Love this bank usually but tired to call to ask a quick question but got the run around with the automated call center. …
Absolutely digusting costumer service hung up on and left on hold for an hour when u live a state away you would think they would help ……never come her staff is terrible
Horrendous Customer Service.
Bad Information distributors.
Long Wait, for disappointing and frustrating customer experience.
0 Star rating if allowed.
I have done business with this company for years and they are a rip off not customer friendly at all. Wont be using them for my services ever again.
I really like this branch Jocelyn was very nice and helpful when I opened my account.
called with a question about my new car loan left message never heard back three days ago . i notice on their reviews that this is not new.
Customer service sucks. Can’t believe there’s a bank that closes so early. This bank is not for working folks.
Absolutely terrible !!! Trying to pay my loan off and can’t speak to a person ! You can’t change the payment amount on line and no one will call you back ! I guess they don’t want their money !!!
I’m a new customer. Registering and setting up automatic payments for a car loan was amazingly simple.
Samantha was a pleasure to work with! She was responsive, professional and made the entire process easy and convenient!
The bank was very helpful for my wife and I to get a car loan at a good interest rate
They have saved me from so much grief! After being dragged around for months by Santander they saved the day and helped me solve a heloc issue within a few weeks. Thanks!!!
I was blown away by the extra mile they went to help me… I wish I could only deal with them instead of the giant banks
Best experience ever, people should ask for KATE, she switched over 5 business accounts from another bank to greenwood and not a single issue A+++
Yesterday I called GCU and placed on hold and after about 15 minutes when no one had picked up my call, only then, I requested for a call back through the automated voice, and still I have not received that call back
This credit union is a disgrace to all credit unions. I will never do business or recommend anyone to do business with them. They don’t care about customers like a typical credit union. STAY AWAY!!!!!
Good rate for my auto loan and good customer service. Highly recommend.
Samantha Potter was fantastic to work with!! She made the process quick and easy. I appreciate her hard work!!
Financed my commercial truck loan with them! they were courteous and always helpful for any issues that may have risen being my fault or theirs and always took care the problems, promptly.
Terrible customer service,
Trying to get to a human that actually works in the bank is an aventure.
The call center people have no authority to help or do anything, do you business somewhere else.
Rude and unprofessional, I won’t name names. But you know who you are and for that reason I’m leaving you. No longer doing business
They financed me for a vehicle at a good interest rate
These people are dumb. I wanted to pay off my loan and its like a bunch of kindergarteners are running the place
Got denied credit but was Approved by Capital One! After reading the reviews, I’m glad I didn’t get a loan through these bums!
they never send anything by mail and it leaves you uninformed and at the end of my loan finished they decided to keep the overpay balance because I had co signed for someone else ,awful customer service ;please never deal with those disgrace, thieves 😡 …
Our experience with Greenwood was great. Their staff was polite, courteous and detailed with explanation of options etc.
Joslyn was great always a pleasure to work with and goes above an beyond! Greenwood Credit Union is the best!
Alex is a wonderful representative! She handled my issue quickly and precisely, with an upbeat personality and patience as well! Thank you, Alex!
I have never had a issues making payments. When I have had to call, employees were friendly and timely. So far I have had great service.
Knowledgeable competent customer service agents. Efficient, polite tellers. Excellent handling of my retirement.
They try to make it very difficult to trade in or payoff vehicles. Poor customer service. Will never use them again. Lesson learned.
Fantastic service. Samantha was so professional and easy to work with. Really took the time to make sure I understood everything about my loan and answer any questions I had.
Phone app access to my CD account provides just one month of interest and no more. This bank is so below par with other Credit Unions. I only opened the CD account for it’s one time high interest rate. I wouldn’t bank here.
The services rendered by the Greenwood credit union staff are extremely poor. There are many other credit unions and banks. Don’t go to Greenwood, it’s not worth being treated without respect.
This place is every bit as bad as any of the bad reviews. The customer service is horrendous, and they’re about 10 years behind in technology. I basically was tricked into using them for an auto loan. Never again. …
You guys need to hire some better IT guys a lot of people are having issues with the Mobile app. Not everyone has Iphones or the latest android phone
Horrible CU, I’ll rank BofA, First Citizens, TD Bank and Webster as all vastly superior to Greenwood. Bad customer service, bad systems, gimmicky small print scams are all you’ll find at greenwood cu.
Just got loan from them.
Excellent customer service and thanks for believing us to buy our dream car. …
People are great but their drive up ATM is the worst ever……
In response to your response, if you used the ATM regularly you wouldn’t ask …
They make it almost impossible to pay off a car loan, terrible. I’m on the phone right now and 10 minutes have gone by. They are the most difficult people to give money to.
I recently got a new summer job and went to open a checking account with a debit card. The employee, Siran, was so sweet and explained how everything works thoroughly since it was my first time opening an account!
Just such awful customer service. I spent a month trying to get a loan and provided them with everything they needed only to find out that I wasted my time. And don’t bother calling, even if you know your party’s extension they won’t pick up. I would give zero stars if I could.
I drove down to the bank to payoff a lial. I wass coming from an hour away in MA, on Monday 8-13-18. I arrive at 1pm to find the place locked up and not a soul around. No sign on the door no message on the website, was supposed to be open 9-4. Still can’t get anyone to answer the phone. What gives?
I never leave reviews but the amount of bad experiences I’ve had I needed to add to the dozens of other bad reviews. Website hardly works and is extremely basic, phone service always brings me to an answering machine and when I do get …
Best credit union ever! They are attentive, detail oriented and care about their members AND their community!
I have called three times and faxed a request over for my car payment coupon book. Three months later and I have still not received it. I am sure if I didn’t pay my car payment that I would get something from them right away. Customer service is horrible.
All of the employees my husband and I have worked with have been professional, friendly and extremely helpful. Dawn Leduc recently helped us and she went out of her way to make the process quick and easy! Thank you Dawn.
I like this bank, so much that I wanted to get a mortgage. Called and left a message, two weeks later, no call back.
update: no one ever calls me back.. or answers.
I’ve been a GCU member for more than two decades and I love it. From my first car loan at 18, to two mortgages and a refinancing, they are the best.
Greenwood Credit Union is GREAT!
Samantha is awesome! She was so extremely helpful and very kind. I would recommend her to anyone!!
TERRIBLY DYSFUNCTIONAL WEBSITE! I JUST needed to SIMPLY login to see how much interest I’ve paid (for tax purposes) and they keep changing their CHEAPLY BUILT website’s log-in page. I have WRITTEN down EVERY TIME this stupid company forced …
Very poor customer service. Car loans cannot be paid on line and they want to charge a fee to do it over the phone. You would think a lender would want to make it easy to make a payment.
Worst online/phone experience I’ve literally ever had. Every month trying to pay my loan is an incredible headache the website is garbage and never works then trying to get ahold of a human is almost as difficult once you finally do you get …
Just refinanced my auto loan through gcu and it was very easy and straight forward. They cut my % in more than half. And cheaper monthly payments.
Greenwood Credit Union is a breath of fresh air! They truly value each and every one of their members.
Coming from a past of big banks until very recently, I have found my Greenwood experience very pleasant, customer focused (not just ‘check the block” bank focused) which is nice. Nice people easy to do business with.
I’ve been trying for the past 4 days to make first payment on the loan I have through Greenwood. I can’t login online, the website can’t even find my account number. I’m beyond aggravated and I couldn’t get ahold of someone yesterday. Just trying to pay off what I owe…. didn’t know it would be such a struggle to make payments.
I worked with Dawn Leduc over the last week on a heating loan, she was fantastic! Answered all of my questions and we got everything done in just a few short days. Over all a great experience.
Dawn Leduc was excellent to work with, very knowledgeable, friendly. The service at this bank is impressive. I got a lot accomplished in just my lunch break! Thanks Greenwood cu
Trying to secure a home equity loan. This is the second time trying with the institution that I’ve been with for years. Last year I was told to increase my income, so I did another 90% more than asked. You think that worked, he’ll no. Their …
I have a lot of respect for this bank i had a shady car dealership get me a loan thru them. i noticed the dealership made the loan more then i agreed to and the loan dept helped me in big way with information. I got a new loan with great rate and payments thanks Greenwood
Samantha made my experience very pleasant! She was very friendly and knowledgeable! I would highly recommend Greenwood Credit Union for your banking needs. Thank you Samantha!
I was very interested in opening an online CD account with Greenwood credit union, until I read all this horrible customer service reviews and complaints. I am from Florida how are they going to answer all my questions if they don’t pick up …
Worst bank I’ve ever dealt with, asked to refinance my vehicle and was told they would get back to me, that was 3 months ago, still no call. Intrest rates are crazy high, and customer service is ok less then half the time. STAY FAR AWAY FROM THIS BANK, it’s got a poor rating for a reason!!!
look elsewhere for better banking options. customer service is terrible
I paid both of my loans off with them and they did not send me my titles out in the mail for 2 weeks? I told them I should charge them a late fee, its ridiculous that they do not care about sending titles to people that officially own the cars and them holding the titles hostage.
This place is a nightmare for loans. I’ve spoken to three people, who all give you different information.. and no one honors what you’ve been told. I need to refinance and get my loan far away from this bank
The service was awesome! Samantha Potter my Loan Officer was great, she outline the process and made my experience a breeze form start to finish. I would recommend Greenwood CU to everyone.
Have been with Greenwood for close to 40 years. Wouldn’t leave them. There workers are outstanding! Just had a problem with an airline ticket and 2 of their workers went above and beyond to fight for my money back.
I had a car loan with the credit union and was making monthly payments with my credit card without problem (my credit card payments in the past were never a cash advance). I saved some money and decided to payoff my loan balance and went to …
Have been a member of GCU since they gave me a loan for a car when no one else would. When I lost my job they were more than willing to work with me and they were a great help. They were so great, I even went back to them for another car loan after my old car died. Thank you!
If Feb 2018 I secured a auto loan. My payments are 347$ a month. As of 9 /5/ 2018 I have made over 3600$ in payments. But I have been charged a 17.00 late. I tryed to call them to discuss this. Unable to contact them. I do not recommend doing any business with them.
I’m old 😁 this was my first Bank (at 16) and have tried others and came back. …
I wish ZERO stars was an option, because that’s what I would give. I have an atv loan through Greenwood. I recently had an accident, and some damage was done to my bike. I have insurance through Progressive. My insurance cut me a check for …
I’ve had my business account here for 4yrs.. Saved $1200 vs my old bank’s business checking fees in that time. We’ve also had 2 auto loans here, very easy to work with.
The worst customer loan department!! WE have a business car loan through these guys and they are rude, uncooperative, and hung up on us twice over the phone when inquiring about our loan payoff amount when we asked them to hold a minute …
The short review: Their only reliable payment option costs an additional $10, and their phone and online support are so bad, it almost discourages paying. …
I have been trying to contact them through the call, for about an hour and it redirects me to an automated message that no one is available at afternoon 1 pm
Joslyn made a difficult account opening very easy. She set up docu-sign for those who couldn’t get in to the bank. She followed up on things and was a pleasure to work with.
The Greenwood Credit Union is an important part of our community. As a member, I appreciate the good work they do. As the head of the St. Greg’s Baseball League, I am grateful for their support in sponsoring a team. Thanks to GCU and your wonderful team!
Hi , okay…. after reading many of reviews about Greenwood credit union some good some bad, i think some reviews are worth greenwood credit union to correct the problem and make sure their clientele problems are looked at and solved as a …
I have worked extensively with Holly in the commercial lending department, and the personal service and attention that comes with working with a small local bank are exactly what you’ll find here. Even through challenging financial times …
In this day and age each of us need to be very careful about our business decision. Greenwood Credit Union (Post Road, Warick, RI) need to improve their customer relations. If you don’t mind being told that you don’ t know what your talking …
I love GCU! I have been a member since the early 80’s. And now live in NH and can still do my banking from here. And get very Great Service. I can take pictures of my checks and send them via text and get them cashed.
They sell your info. I did not sign anything authorizing them to do so! My loan was sold to them!! They need to STOP.
Fantastic service. Samantha is very professional and easy to work with. She really takes the time to make sure you understand everything. We have used her for multiple loans and would recommend to anyone interested.
Samantha at Greenwood Credit Union was fantastic to work with!! She made my car loan process fast and seamless without any problems! I highly recommend her!!
Thank you, Samantha!!
Horrible customer service. The people in the loan department can’t even answer basic questions. Simply do what the computer tells them do to. I spoke to several different people over the course of three days and there was no consistency at …
I had an auto loan through Greenwood Credit Union which I always paid more money each month on time making me 2 months ahead on the final months payoff. In November of 2012 I was laid off from work and put on unemployment so I called …
Jason Bouchard, VP of Auto Loans is amazing! He goes above and beyond to ensure his customers are satisfied. I will be highly recommending Greenwood Credit Union to everyone I come in contact with for their banking needs. Thank you, Jason! I look forward to doing business with Greenwood in the very near future. Ashley Sampaio
I have been trying for two months to open an new account as my past wife has died in another state. Her name is on the account, and I can not get a death certificate. There is always another step to open an account and get the money switched into a new account.
Was the only place that would accept a loan from me. To set up payment i had to call multiple times. I was also told that automatic withdrawal would be set up. It was supposed to be withdrawled a week ago from today. Ive been trying to get …
Dawn Leduc, loan officer, was exceptionally personable and knowledgeable. She made it a comfortable process. There’s absolutely no substitute for experience.
I strongly advise against doing business with them. My father had a loan with them, which he was having difficulty paying (he was behind a couple months). He passed away two weeks ago, and we have been trying to get his estate sorted and …
My aunt has a car loan which she has called to get me put on before. I walk out to go home(Warwick, RI) today from work( north Smithfield, RI) and my car is not in the parking lot. Tried frantically to get in touch with my aunt and GCU, to …
I am a long time customer of Greenwood Credit Union and can say with certainty I will never go through them for any personal banking or loans. In an economy like this, you might *hope* that a smaller credit union would work with their …
Very bad customer service. I have a loan of my car; and m I am trying to get a copy of the title to make a transfer from MA to RI, that is what the DMV required; I called and the attendant said nothing they can do; he said that I should …
I made a late payment due to financial difficulties. I explained my current situation and was able to work it out with GCU. I have had my auto loan with them for more than 3 years and have never had an issue. Jason was understanding and helped me out.
Unacceptable. Online banking is a joke. Plus you never receive statements or balances for any loans without calling. Not user friendly, no access to how much is remaining. They’re probably pilfering money so they don’t give balances or …
I’m been a member for many years. I find the tellers are polite and helpful. The limited telephone banking suits my purpose, however
Mobile banking not their strong suit. I was shocked by the webpage’s lack of …
absolutely awful experiences with my loan. The website lacks any information on my account besides my previous payments. There is no total of what I have paid or how much I still owe on the loan. When I call customer service it takes at …
This is the worst credit union I have ever dealt with and I usually love credit unions! To make a payment online is the most backwards, complicated, process I have ever dealt with! I have to make two transfers just to pay my auto loan! Why …
I had a great experience getting my car loan through GCU. Samantha made the process easy and answered all my questions, she made the whole experience wonderful. If I ever need any other loans I will definitely be back to see her!
Im about ready to start a petition for a new drive up ATM. Its broken or as they say “down for maintenance” more than it works. Not to mention not user friendly. Greenwood should call Navigant and ask where they get there ATM’s from. Since …
Best tellers around. I don’t use online banking or the website just go in the old fashioned way to do my banking no direct deposit. Never had a problem with a mortgage from them either. Friendliest staff always helpful and have a smile on …
I wouldn’t dream of “banking” with anyone else! Even when I moved to Florida, I never switched. Couldn’t be happier.
On August 24th I had my credit pulled once, unfortunately, the bank pulled it twice. It now appears on my credit as a “hard pull” two times. I have made 7 to 10 calls into the bank. I consistently have had to leave messages on voice mail. …
There are not enough words to express the gratitude and admiration I have for the folks at Greenwood Credit Union and the level of professionalism they bring to every client interaction. I am a Rhode Island transplant that came here in …
My experience has been awful. I received a car loan at a great rate through them, but that’s where all the smiles stopped. I wish I could give it 0 starts. The bank seems to have put up every barrier there is to be able to 1) know how …
This place was awful. I applied for a small motorcycle loan and spoke with Cindy, and it was PAINFUL. After her telling me she was going to get back to me a few times I reached out to make a customer complaint. The guy mike I emailed was …
Terrible customer service. I called Saturday 11/2 and left a messaging regarding someone helping me change my name on my auto loan. Never received a call back. Called again Thursday 11/7 and spoke with someone who “didn’t know how to do …
I have worked with Jicelyn to establish accounts for my son over the past 5 years. She has supported both of us through his financial planning and trials as a single Dad!. He has reached out to her for guidance and has achieved independence …
I have been banking with Greenwood since I opened my first account for my first job. I have since moved to Florida and I still use them! Their available services and accounts make it an easy choice. With all of the online banking options I never have a problem! I would highly recommend GCU for any banking needs.
Honestly the longest and least accommodating loan process I have ever been through. It took over 2.5 weeks to get this loan completed. My loan officer was impossible to connect with over the phone and less than helpful with questions …
Believe the reviews. This place is a joke. The online system is terrible, the automated phone system is incredibly inefficient. I just called to payoff my loan to not have to deal with them. The automated system wasn’t letting me do that so …
Samantha could not have done a better job processing my loan! She was friendly, thorough, helpful, efficient, informative, knowledgeable, personable, upbeat, and highly competent! …
I just can’t do it anymore. Literally every single month they change their automated answering service. Literally every single month I call and complain. It is ONCE AGAIN impossible to make a car payment as they have ONCE AGAIN deleted the …
My wife has her car loan through Greenwood and we were looking to pay it off so we could obtain the title and sell the car. Spoke to numerous people there about the process and was told we had to wire the funds and the title would be …
stay away from this place.. very deceptive practice, and not to mention their customer service is terrible.
Dawn in the loan department was amazing very understanding polite a really honest. She listen to my concerns answered all my questions. I highly recommend greenwood credit union for any of your needs. Not only that the hospitality in Greenwood credit unionI phenomenal!
Worst credit union I have ever dealt with. I was in customer service for years, if someone got behind a payment we would call and ask what was going on not just keep charging them. They had no problem calling me to inform me they were …
Do NOT do any business with this company. I purchased a car through a dealer, financed through this company. Not realizing what I was getting myself into, they had a low interest rate so I went with them. I have been trying to set up …
As others have said, if you have a loan with them they don’t show the balance on the online account and they don’t send you statements for the account. I have never seen anything like it before. I sent an email to them to get up to date …
Greenwood Credit Union has served my family my entire life. Their customer service is second to none and their technology has come a long way! It’s great to have the credit union option locally and on the go with their new app. Huge thanks …
I’ve been using Greenwood Credit Union for several years for all my banking needs, they are outstanding to work with, friendly staff, and the rates on their loan products can’t be beat. I look forward to working with them in the future. Sincerely, one happy customer!
I have used Greenwood Credit Union for both of my mortgage transactions. Everyone that I have worked with have been incredibly helpful, knowledgeable and make you feel like you are their most important customer. They made a stressful …
I have been a Greenwood member for almost 3 years. Originally I became a member for my business and now have opened an account for personal too. They are very easy to deal with and are extremely helpful when I have “misplaced” my debit …
I would recommend everyone bank at greenwood credit union! I have my checking account, auto loan, and credit card through greenwood. They took the chance on me and I am so very grateful. Customer service is excellent and the branch feels …
Worst customer service I’ve ever experienced at a bank or credit union (and I’ve been a customer of Bank of America.) When forwarded to the department that takes payments for loans I had to leave 3 messages instead of being able to connect …
My experience from the first day was good. I was greeted with a smile and asked how they could help. Then I met Micheal and it only got better from there, all my questions were answered and my home equity loan went along very smoothly. When …
Terrible Service. The only way to see you loan balance is to call them and the majority of the time the call will drop for no reason before you can get to someone. Their “Pay” system says that you should enroll for Online Banking to see you …
Nice people, terrible business
**Update – Phone systems are absolutely horrible, very confusing and ineffective …
As others have said, can’t see outstanding loan balance online. According the the person I spoke to at the bank, you can see your balance if you have an account with them. In 2019 to have such an outdated and inadequate system is …
I bought an odd, low production number Russian motorcycle that Greenwood was kind enough to finance. …
This Credit union is a joke. Not only did they take repossession of my car during the pandemic after two missed months but alongside their short business hours and long lunch breaks, their automated telephone banking is tedious and the is …
I’ve once again been contacted by phone after repeated attempts to be asked to be contacted via email due to the time difference where I live. In good faith I called back and no one even answered, which I have documented. When they emailed …
UPDATE: I would like to update my review. Although my initial experience was not good after the issues we had with the title for my car I have to give Greenwood a couple more stars because of their response afterward. The president of the …
I have been a customer of GCU for over 30 years! I love that they recognize me as an individual when I go in, not just another account holder. They know who my husband and children are and make my experience a personal one each time. …
Every time I have called into GCU I have found myself so impressed with the friendly customer service of everyone from the receptionists, to the billing reps, to the underwriters. …
I feel like I’m losing my mind when I speak to this bank. I’ve been with my primary credit union since 1999. They messed up, kept sending car payments even though I refinanced my loan and halted auto payments to Greenwood on the initial …
Customer service should do more to help customers get information in a timely manner. I call asking for info on my husband’s account and they refuse to talk to me unless my husband gives the Ok. You would think they would just kindly …
I have never had a more simple and seamless banking experience. I had a loan with them for 2 years. I never had one issue. It was great.
DO NOT USE THIS BANK FOR A LOAN OF ANY KIND. This is the most incompetent group I’ve ever had the displeasure of doing business with. …
Talked to a very foul-mouthed man in collections named Stephen. Unbelievable I am praying somebody listens to that call!
I have always had excellent service from the Credit Union. My Mom is ill and I can’t say enough about the help I’ve been getting from Joslyn Clemm in adding me to the account to balancing the checkbook to answering any questions I may have. She has made the process so smooth and less stress for me.
They helped my business get a PPE loan when my bank was too busy to help, and they continued to help when it was time to file the followup paperwork. Everyone on the team has been wonderful to work with throughout the process. I will be …
Do not use greenwood for any kind of home or vehicle financing. They will go above and beyond to make sure you are indebted to them.
5 stars for Miranda and Chuck! Had a not so great experience at first being told multiple times there was no way to view balances/payoff/etc on my auto loan through online banking and just to wait for the quarterly statements and keep …
I have banked here since I was a child, I have a car loan and a credit card here as well and I couldn’t be happier. Always love the friendly personalized service
Spoke with Luana and then supervisor Melissa today as the credit union began taking double payments from my account. Melissa agreed that their technology system is not working well and also agreed that their reviews on Google are poor as …
I love this credit union! Everything is very easy to use and the staff are extremely helpful and friendly.
Not a good banking app. Always problems on the weekend. No available help on weekends. Must wait till following busdiness day.. this is why i never fully deposited all my savings here…just my opinion…. they were quick to help fix the …
I wish every bank was like Greenwood! We utilize multiple accounts and services with you guys. Your lobby is always filled with friendly, happy vibes. I love your tellers, esp Doreen. Doreen is such a sweet gem. I usually stick around way …
Had a great experience with my car loan with Greenwood Credit Union. Every call with Greenwood was handled in a professional manner and the final payoff and closing of the savings account was incredibly easy. All calls were immediately …
Do NOT refinance car loans with this place. Thanks a lot credit karma for including this god awful company in your suggestions. Definitely not worth it.
2 stars only because I like the idea. But the rest of the processes with this entity has been unacceptable for a bank or a credit union. It’s a shame and completely unprofessional.
You pay, you pay double payments, you get in a bind…do call your not-so-friendly greenwood. Don’t get me wrong some people that work in the bank are super nice, but the employees with an office or the ones that say yay or nay…are not understanding give you a little break people kind people.
I love Greenwood C.U. best bank in R.I. The people are excellent.Tellers, Loan Officers everyone. The credit card rates are the absolute best anywhere. 9.90 fixed( and 14.90). Best anywhere. I have had auto loans,savings, and credit with …
Stay away from this place!!! They claimed they notified me to make a payment and they did not until 31 days after so they could report it to the credit bureau. I should mention I made the payment as requested once notified that it was …
Greenwood Credit Union truly cares about their members. I can’t thank them enough for helping me work through special circumstances. It’s great to have a credit union that looks out for their members.
READ UNTIL THE END!
This bank is unresponsive, did not give me notice that my deceased fathers truck …
I recently switched my savings and checking accounts to greenwood and have been so impressed with the personal and thoughtful service I received. I have many questions and the member service reps have been outstanding and patient. It is one of my best decisions and I love that they have a positive presence in our community
Kept billing me and hit my credit score after I had paid off the vehicle loan, and now took $10 out of the savings account I had to open for the loan for an inactivity fee. So open a savings account there to leave money in and they will …
DO NOT USE GREENWOOD CREDIT UNION.
My boyfriend has had a car loan through Greenwood Credit Union and a couple …
Adelina in the title department was extremely helpful when I needed to change the title of my car and obtain it to register it in a different state. She was compassionate and sympathetic as the change was due to a death. I appreciated her help as she made a complex situation smooth and provided me guidance on the process. Thank you!
Auto loan since December 2019. Auto billing issue since start of loan. I signed in and set up automatic payment but it did not go through until January. GCU says I’m late so they charge a late fee. Why would I go online and set up billing …