MS
Melissa ShapiroVerified
Oct 14, 2026
Easy loan approval
Fee free ATM network covered me on a road trip across four states without a single out of network charge.
Fee free ATM network covered me on a road trip across four states without a single out of network charge.
Account closure was punitive, with multiple holds and a check that did not actually arrive for over a full month. Credit score dropped twenty points because this lender reported an incorrect balance for three straight months in a row. Dispute system is useless, with the same canned reply arriving no matter what evidence or documents you upload.
Pending deposits are released early, often by a full day, which has saved me on timing a few bills. Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Trade confirmations arrive instantly and the tax documents are organized perfectly at year end for my accountant. Really like that external transfers can be scheduled recurring without needing a separate bill pay module. Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day.
Rewards points are easy to redeem and the statement credit posts within one billing cycle every time.
Had a complicated estate transfer and the private banking team handled every piece of paperwork for me. Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes. Credit score tracking is built directly into the app with no upsell to a paid monitoring service.
Order routing clearly prioritized payment for order flow over best execution on every single large order I placed.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all.
Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit. Investment research includes third party analyst reports without requiring a premium subscription or upsell. Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan.
Account bonus terms were changed after I signed up but before I qualified, moving the goalposts out of my reach.
Investment research is available for free, but the quality is uneven across sectors and asset classes.
Secondary market for fractional bonds works smoothly and spreads are tighter than I expected for retail orders. Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office. Fund transfers to another member on the same platform are instant with no fee and no excuses whatsoever.
Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season.
Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Credit card application was approved and then rescinded three days later with no appeal process whatsoever available.
Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess.
Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign. Spoofing filters failed to block an obvious phishing message that resulted in a drained account for a family member.
Credit card chip and tap transactions work overseas without any extra verification pop ups in the app. Loan prequalification used a soft pull so I could shop rates without hurting my credit score at all.
Trading platform froze during a major market move and I lost real money because I could not close a position. Customer service kept transferring me between departments and nobody ever took ownership of the actual issue.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups.
Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant.
Everything about the checking account is fine, but the savings yield has not kept up with recent rate hikes. Transfers between internal accounts are instant, but external ACH still takes the full three business days to clear.
BNPL buy now plan was approved for a purchase, then the merchant could not actually process it at checkout. Automatic bill pay missed a payment that caused a late fee, and the bank refused to cover it despite their mistake.
Account closure was handled quickly with no retention haggling and the remaining balance was mailed as a check.
Automatic round ups into savings have quietly built up a surprising cushion over the past year of spending.
Branch staff were openly rude and dismissive when I came in with a legitimate problem about a lost wire transfer.
International travel debit charges came through with zero foreign transaction fees for the entire two week trip.
Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes. Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing.
Credit score monitoring is included, but the score shown is not the same one most lenders actually pull later. Transfers to external accounts work, but the daily limit is low enough to be inconvenient for larger moves.
Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch. Fund transfers to another member on the same platform are instant with no fee and no excuses whatsoever.
Credit card accepts Apple Pay and Google Pay provisioning immediately on approval rather than days later. KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions.
Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration. Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store. Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin.
BNPL approvals showed me the full repayment schedule up front with no surprise balloon payment at the end.
Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time. Login failures have been constant for three weeks and the only answer from support is to update the app again.
Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed. Credit score tracking is built directly into the app with no upsell to a paid monitoring service.
Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Fee waiver for the premium account was honored exactly as the original sign up offer described it.
Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds. Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it. Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it.
Mobile notifications are instant, so I know when a merchant swipes my card before I even leave the counter.
Low spreads on major currency pairs and no sneaky conversion markup on top for international wire transfers. Had to switch banks after moving and the new account was set up and funded within a single afternoon.
Customer support hung up on me twice during the same call after I politely asked to speak to a supervisor.
Instant funding for new accounts meant I could trade the same morning I opened the brokerage online. Automatic round ups into savings have quietly built up a surprising cushion over the past year of spending.
Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week. Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle. Fees are listed in one simple schedule with no asterisks and nothing has surprised me on a statement yet.
Really regret opening this account, because the fee schedule was fundamentally different six months after I joined.
Account yields look attractive until you factor in the monthly maintenance fee if you dip below the minimum.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell. Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season.
Debit card has been declined at random merchants with no fraud alert and no answer from support about why. Had an unauthorized ACH debit hit my account and the bank sided with the merchant despite my clear documentation.