Rivermark Community Credit Union

I was pretty impressed with the latest upgrades to Rivermark’s online banking services. I thought the alerts they offered were a nice feature and I appreciate the alert when a large deposit is made to my account. But… I HATE getting a reminder every single morning that I have a $ 0.00 payment due to my Visa account. The «payment» was due three days ago and I continue to get the alert that I owe them $ 0.00. What do I have to do to stop the alerts? Make a payment of $ 0.00?
I called Rivermark to find out why I would get an alert when there is a $ 0.00 balance and was told It is because I set up the alert. The only options I can find is to turn on an alert 5 days before payment is due and when it is past due.
I would have liked an alert, if I had a bill that might go past due and my credit would be adversely affected but apparently my only option is to turn off the alert. I hope Rivermark got kissed when they purchased this software package because they and their customers got screwed! I think it is time to shop for a new credit union.

Well, I have been trying to contact their custom service for days. Finally, I had to go there to talk to someone. Looked for the branch manager — not available. They told me I was lucky because most customers have to wait an hour.
Unbelievable. I have been a member of credit union for a long time. New got treated that was. I do no think the employees care.
So at the end of the day, they couldn’t access my account either. That is crazy. You would thing they would have tested their own system before releasing it and make customers change over. I’m probably gonna just close the account.
I’m sad to leave negative review. Just wish the employees here would have some compassion and not tell me I’m lucky. WTF?

UPDATED REVIEW: 4 STARS
I just got a call from a supervisor (William). He confirmed that they can’t put a stop on the funds. However, he offered to give me a temporary advance to cover the 2^nd payment made. This advance will stay in my account until Flagstar refunds that 2^nd payment, then Rivermark will take those funds back. No fees attached. I am very relieved and grateful for this solution. I am frustrated that it took so much time on the phone to get to a decision maker, but I am appreciative for a solution. It took 3 phone calls and a live chat to get to the right person, but I finally got a taste of the old Rivermark customer service.
ORIGINAL REVIEW: 2 STARS
So, it pains me to leave such a negative review of Rivermark. But, since I’m writing this while I’m on what they have warned is a 50 minute hold to talk to a representative, I think it’s fair. When I first started with Rivermark, you called and the local branch answered their phone. Now, you are routed to a main number and you wait, and wait, and wait to speak to someone. They offer an option to hang up and be called back. I tried that once and never got a call back. So, waiting is the only option. Since I live 45 minutes from my nearest branch, walking in to get assistance is not a convenient option either. So, if you love being on hold, this is the credit union for you.
Here’s what I’m on hold about. This morning, I logged into my personal account and saw that my mortgage payment got made twice. I use Rivermark’s billpay to make my mortgage payment each month. Each year, my mortgage payment changes slightly due to property tax changes. That happens with my February payment each year. So, last month, I logged into my Rivermark account and changed the mortgage amount to reflect the change. Somehow, the old payment was still in there. So on ²⁄₁ the correct payment was withdrawn from my account. Then, today (²⁄₃) the old amount was withdrawn from my account. I call and wait 25 minutes to speak to someone. She tells me there is nothing they can do and I have to work it out with my lender, Flagstar. I call Flagstar. They tell me that they received the first payment but haven’t received the second payment, so there is nothing they can do at this point, but that my credit union can put a stop on the payment since it is still being processed. I say great, and call Rivermark back. After a 15 minute wait, I go through the process again and am told again there is nothing they can do to help me. I have to work it out with Flagstar. I text a friend to tell her what’s happened. She tells me she did the same thing last month and that her credit union, First Tech, just put a stop on the payment. It was no problem.
Thinking a live chat will be quicker than waiting on hold, I start a live chat with Rivermark. There was a 25 minute wait to chat with a rep. After going through everything, she tells me, «So I’ve spoken with both our online banking department and also our accounting department, and unfortunately it is far enough along in the process that we are not able to stop it at this point. I can see if there is anything else we may be able to do, but the extra payment was something that you set up yourself, so it isn’t a credit union error. If you had contacted us yesterday we would have been able to stop it, but it has already gone out at this point.»
I immediately call First Tech and after a 7 minute hold, I get a rep. and tell her the scenario and ask if First Tech could stop a «bill pay» payment like this. She said yes, as long as the funds haven’t been received by the mortgage lender, they can stop them. It might take 2 – 3 days for the money to be back in the account, but they can stop it and this would be the most time-​efficient way of solving the problem. This corroborates what my friend said happened for her with First Tech and matches what Flagstar thinks is the industry standard.
I’m now 20 minutes into a 3^rd phone call waiting period with Rivermark. I’m calling to speak to a supervisor to be absolutely certain there is nothing more they can do to remedy this. If they can’t help, then I now know their services regarding online bill pay are not on par with First Tech and are not what Flagstar considers an industry standard. That will be disappointing and a tough lesson for me to learn. To get a reimbursement from Flagstar is going to be a long process, including a formal letter of request, which can’t even be initiated until they actually receive the funds. This is going to be an incredibly difficult month for me, it seems.
What I was able to get is a reimbursement for the $ 30 overdraft fee. I appreciate that, Rivermark, I do.
At the 27 minute mark, someone has answered my call at Rivermark. I’ve asked for a supervisor and been told that the supervisor will call me back IN 30 MINUTES. I think I’ll use this time to look at the reviews of other credit unions. Hey, Rivermark, it’s you, not me.

So far we have had the best banking experience with Rivermark compared to any other ‘regular’ bank
Rivermark always seems like they are willing to work with you (from what I had heard from other relative who have had them for years) and so far they have always had good customer service. Their credit cards also have some of the lowest interest rates compared to other, similar credit cards.

Just arrived after calling ahead, your representative on the phone was mistaken! You do not offer a service to issue cashiers checks, and I have to be a royal member of your pathetic institution to have a notary sign a one page quick sign document!!! I’ve been to many banks who offer this service for free, I was willing to pay you a FEE lol. You won’t even accept that offer, you turn people away if they’re not in your lame club of membership. You are the epitome of why credit unions are useless. Good luck =) !

We’ve been members of Rivermark Credit Union for over ten years, and have obtained and paid off auto loans, personal loans, and kept payments timely. We recently requested a pre-​approval for a new car loan to replace an older car. We asked for $ 25,000 and it was pre-​approved. When we found a car we wanted for $ 17,000 and submitted it to RM, we were told they would only loan us 90% of the value of the vehicle and that the loan interest would be almost 14%. (A 9-​year-​old bankrupcy was the problem, they said.) Then they under valued the vehicle by almost $ 3000 on Kelley Blue Book. This was very frustrating and came as a surprise, as they didn’t bother to tell us beforehand that they’d only finance 90%. Sarah was our representative and she was unconcerned.
We went to a friend, David D’Angelo, who owns a car dealership and asked if he would buy the car from our seller, then immediately sell it to us. He said he’d be happy to. He took our information and submitted to several banks and credit unions, including Rivermark. He came back with an approval from Rivermark for 100% loan request at 13% and an additonal $ 4000 if we wanted to purchase a warranty! A DEALERSHIP WAS OFFERED A BETTER DEAL THAN LONG-​TIME MEMBERS OF THEIR CREDIT UNION? We were not happy to see how little valued we are as their customers and members.
David only asked $ 250 for his time and for the ease of transaction (better than our own credit union) it was well worth it.
David went on to find us an even better deal from Selco Credit Union. The car we financed was valued at $ 18,838 on CarFax and we got a 100% loan at 10% interest with $ 4000 for an optional warranty if we wished.
We are closing our account at Rivermark Credit Union.
Our friend, David D’Angelo at D’Angelo Auto Sales in Hillsboro was a hero and we highly recommend him for all things auto. We even received a Thank You card from him afterwards with a picture of us and our new car, and two wrapped brownies from Sendout Cards – amazing customer service.

Had an awesome experience here. Krissy was the teller assisting me and she was so friendly, helpful, and knowledgeable. It was my first time visiting this branch and she took the time to get me situated with my needs and more! She filled me in with easier ways to access my account through the iPhone app., she transferred my current account to one with better rewards and interest, and I can go to any ATM machine. Krissy was amazing, the credit union is amazing-​no fees! I’m so happy with my selection.

THis place is a little tricky to find, I drove right past it and didn’t realize it, until I looked at the posted picture on Unilocal and then I found it when I drove back a 2^nd time. I went at 4:00 pm on a Tuesday (of a Holiday Week-​2 days before Thanksgiving to be precise) and I was the only customer in the place. It was very refreshing not to have a line or any sort of wait. However, I may have had some bad body language or have been sending of some rude vibes that I was not aware of, because I came in to deposit a check that was a refund from my student loans. Although, I usually do mobile banking at home, that perticular check was too large to qualify. I was a little caught off guard when the Teller/​Banker said to me, «have you heard of mobile banking before?» It just came across as snarky to me, like they didn’t need my business in there slowing them down or something. Maybe I was just overly sensitive on that day, but most of the time Rivermark is over the top friendy and helpful, especially the Hawthorne Location that I’m used to.