TB
Theo Burkhardt
Oct 16, 2026
Push alerts are instant
Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon.
Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon.
Statements show fees for services I never signed up for, and the opt out link in the app does not actually work. Hidden foreign transaction fees showed up on every single overseas purchase despite the card being marketed as travel friendly.
Rewards points are easy to redeem and the statement credit posts within one billing cycle every time. Push alerts can be fine tuned to only trigger above a dollar threshold, which cut the noise down dramatically. Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day. Business credit card perks actually align with what a small business spends on, like software and online ads. Opening a checking account took less than ten minutes and the debit card arrived three days later as promised.
Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time.
Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds. Credit report showed a mistake from this lender that took four months and a bureau dispute to finally correct properly.
Fees are listed in one simple schedule with no asterisks and nothing has surprised me on a statement yet. KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions.
Opening a checking account took less than ten minutes and the debit card arrived three days later as promised. Fund transfers to another member on the same platform are instant with no fee and no excuses whatsoever.
Business credit card perks actually align with what a small business spends on, like software and online ads. Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant.
Account opening was straightforward, though I was never clearly told what minimum balance would avoid fees.
Withdrawals from the exchange have been pending for over a week with no explanation and no response from support. Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign.
Really appreciate that overdraft fees are capped per day and often waived outright on small amounts.
Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time.
Fund transfers to another member on the same platform are instant with no fee and no excuses whatsoever. Both of us were added to the joint account in a single video call and the cards arrived together a week later.
Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions. Interest on the high yield savings account posts monthly and matches what the website advertises up front. Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes.
Credit card chip and tap transactions work overseas without any extra verification pop ups in the app. Loan payoff statement arrived within two business days of my request, exactly as the website had advertised.
Deposited a large check and the funds were fully available the next morning instead of a long ten day hold. Customer service rep stayed on the line until my wire actually hit the recipient account on the other side.
Investment research includes third party analyst reports without requiring a premium subscription or upsell. Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days.
Hidden foreign transaction fees showed up on every single overseas purchase despite the card being marketed as travel friendly.
Spoofing filters caught two phishing emails pretending to be from the bank in just the last month alone. Credit card accepts Apple Pay and Google Pay provisioning immediately on approval rather than days later. Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
Pleasantly surprised that the branch manager personally called after a mix up with a wire to apologize.
Dispute system is useless, with the same canned reply arriving no matter what evidence or documents you upload. Loan payoff quote was wrong by several hundred dollars and the servicer admitted the error only after I pushed back.
Lost access to a crypto account because of a device change and support could not restore it despite valid ID verification.
Had to switch banks after moving and the new account was set up and funded within a single afternoon. Options chain is laid out well with implied volatility and open interest easy to scan at a glance.
Instant funding for new accounts meant I could trade the same morning I opened the brokerage online. Pending deposits are released early, often by a full day, which has saved me on timing a few bills.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all. Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time.
Really solid platform for buying and holding broad index funds with no transaction fees and clean reporting.
Really a nightmare to close this account, with retention agents calling repeatedly for weeks after I had already left. Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck.
Love how fast travel notifications post, so my card never gets flagged mid transaction while overseas. Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants.
Compared half a dozen banks on fees and this one came out ahead by a meaningful margin on every category. Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups.
Fees doubled quietly after a terms of service change that was buried in a long email most customers would ignore. Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it.
Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Had a mixed experience, where the website was easy to use but the mobile app required constant app updates.
Interest paid on idle cash in the brokerage sweep is competitive instead of the usual pennies from legacy brokers. Really like that external transfers can be scheduled recurring without needing a separate bill pay module.
Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration. Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Had an unauthorized ACH debit hit my account and the bank sided with the merchant despite my clear documentation. Loan officer promised a rate lock in writing, then came back later claiming the lock was never actually submitted. Really a nightmare to close this account, with retention agents calling repeatedly for weeks after I had already left.
Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office. Really solid platform for buying and holding broad index funds with no transaction fees and clean reporting.
Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant. Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Account bonus terms were changed after I signed up but before I qualified, moving the goalposts out of my reach. Account statements have had calculation errors in two of the last three months, with no apology or correction letter.
Login failures have been constant for three weeks and the only answer from support is to update the app again.
Loan servicing portal clearly shows principal, interest, and escrow splits for every monthly payment I make. Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan. Fund transfers to another member on the same platform are instant with no fee and no excuses whatsoever.
Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Fee waiver for the premium account was honored exactly as the original sign up offer described it.
Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle. Really appreciate that overdraft fees are capped per day and often waived outright on small amounts.
BNPL plan reported a late payment to the bureaus even though I paid on time, and getting it removed took weeks. Mobile check deposits are held for ten business days even for small amounts from well established employers.
Fraud charge appeared on my card and the dispute was denied twice despite clear evidence it was not me.
Really like that external transfers can be scheduled recurring without needing a separate bill pay module. Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Reasonable crypto exchange for spot trading, though withdrawal fees to external wallets vary without any explanation.