I can't believe the low score I just saw for Eastman. I love Eastman, free checking, great…read moreservice, dividends paid, friendly people. I just wish the Jonesborough office was larger. I know there is a new one coming, just wish it would get here sooner.

Do not bank here if you expect consumer protection or respect. Eastman Credit Union utilizes lazy,…read moreautomated risk algorithms that aggressively penalize victims of merchant fraud and shipping failures. I recently underwent a major personal milestone, investing in a completely new wardrobe across platforms like eBay and Mercari. Out of over 90 successful transactions, I encountered a handful of standard e-commerce issues--items lost in transit by the carrier, or rogue merchants refusing to issue a refund after tracking explicitly proved the merchandise was successfully returned to them. I also had several items that weren't as described and had gotten damaged in shipping. Instead of honoring my lawful consumer rights under federal law to dispute these unfulfilled transactions, ECU automatically flagged my account. I received a highly insulting letter claiming I was "negligent" and failing to secure my PIN number. This is a complete lie. My physical card and PIN have never been compromised. When a manager called to discuss the letter, she completely gaslighted the situation, ignored my documentation, and actually attempted to dictate my personal shopping habits, telling me I shouldn't buy items online. Every major national bank handles merchant non-delivery and returns seamlessly. ECU, however, chooses to blame the customer to avoid doing the manual back-end work required to hold shady merchants accountable. They are currently withholding hundreds of dollars in legitimate reimbursements for items I do not possess, while stripping away my debit card access under the false pretense of "negligence." They do not operate from a place of integrity or sovereignty. If you want an institution that protects your assets instead of lecturing you for merchant failures, go elsewhere. I am taking my business and assets to a national institution that actually understands consumer law.