EnerBank USA, Enerbank Usa

Name:EnerBank USA, Enerbank Usa
Full Service Brick and Mortar Office
Main Office of the Bank
Review:2 client reviews
Location:1245 E. Brickyard Road, Suite 600
Salt Lake City, UT 84106

Salt Lake County
 
Phone:801-832-0700
Deposit:$499,436,000
FDIC Cert:#57293
Established:2002-06-03


The Bank

Name:EnerBank USA
Concentration:Consumer Lending Specialization
Established:2002-06-03
FDIC Insurance:2002-06-03
Charter Class:commercial bank, state charter and Fed nonmember, supervised by the FDIC
Website:http://www.enerbank.com
Total Assets:$750,879,000
Total Deposits:$651,950,000
Total Equity Capital:$84,734,000
Total Domestic Office Deposits:$651,950,000
Net Income:$18,578,000
Quarterly Net Income:$4,969,000
Return on Assets:3%
Quarterly Return on Assets:3%
Return on Equity:25%
Quarterly Return on Equity:24%
 More...


Client Review

2 client reviews of EnerBank USA scored 3 out of 5.

System Pavers/EnerBank financing
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by Steve99, Aug. 01, 2013

If you're contemplating doing a "same as cash" financing with these guys, be very careful.  They don't send out monthly statements ever.  You will get a payment book with dates due and payment amounts.  You may think if you follow the payment slips you'd be OK.  You'd be very wrong.  The date on the first payment slip is the final due date for the "same as cash" deal.  Also, the amount due on the payment slip is nowhere near close to what you have to pay to stay current.  If you are as much as 1 dollar short or one day late, you will get charged interest on the FULL amount of the loan!  You will never be able to reach them on the phone and they publish no FAX or e-mail addresses.  I overpaid my loan on purpose at the end as I couldn't get them to tell me what my exact balance was.  They did refund the overpayment and waived all the interest.  However, I made the final payment only 2 days before the end date.  In short, these guys are for people that like to read the fine print.  I will never use them again for anything and I would not recommend them at all simply because of the hassle factor.  I have never had a revolving account that didn't send out statements from anybody.  I guess what they are doing is legal but just barely.  I have no idea how they got their "A+
 BBB rating.  So much for the BBB.  They are useless too.
If you're already doing business with them, I suggest checking your total of payments and the due date on the loan.  They certainly will not tell you.  

Be careful - - -

PS: Systems Pavers is great!.  I just don't care for their choice in finance companies.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on EnerBank USA, Enerbank Usa at Salt Lake City, UT
17 of 19 people found this review helpful. Was this review helpful to you? Yes, No   Report Abuse

1 comment. Add a comment

by EnerBankUSA 2014-01-17 17:43:18
We sincerely apologize for any difficulty we may have caused you.  Our goal is 100% customer satisfaction.  Unfortunately, we do not have enough information to call you to address your concern.  Please call us at 1-888-390-1220 Mon-Fri 9:00 AM – 8:00 PM ET so we can immediately assist you.  EnerBank USA maintains an “A+” rating with the Better Business Bureau, and to us even one unhappy customer is one too many.
Mr. V'On D. McCarty
Overall Rating
Interest Rate and Cost
by vmc92570, Jun. 11, 2013

I have a loan with you and wish to speak to someone about it  I cannot find a phone number. Please call me at 951-238-1067

* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 3 - 5 banks before.
* this review was made on EnerBank USA, Enerbank Usa at Salt Lake City, UT
2 of 7 people found this review helpful. Was this review helpful to you? Yes, No   Report Abuse

0 comment. Add a comment

Wells Fargo Bank, Sugarhouse Branch
Full Service Brick and Mortar Office
1095 East 2100 South
Salt Lake City, UT 84106
U.S. Bank, Sugar House Smiths Branch
Full Service Retail Office
922 East 2100 South
Salt Lake City, UT 84106
KeyBank, Sugarhouse Branch
Full Service Brick and Mortar Office
2299 Highland Drive
Salt Lake City, UT 84106
Washington Federal, Sugarhouse Branch
Full Service Brick and Mortar Office
2262 South Highland Drive
Salt Lake City, UT 84106