AE
Ashley EvansVerified
Oct 14, 2026
Decent savings yield
Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Credit limit was raised automatically after six months of on time payments without me having to call and ask. Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle. Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day. Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Statements are clear enough, though the mobile app shows transactions in a different order than the website does. Appreciate the modern interface, but it hides some settings in menus that are hard to find without a search bar. Customer service answers quickly during the day, but weekend availability is limited and often clearly outsourced.
Loan payoff statement arrived within two business days of my request, exactly as the website had advertised. Fee free ATM network covered me on a road trip across four states without a single out of network charge.
Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Account closure was handled quickly with no retention haggling and the remaining balance was mailed as a check. Rewards points are easy to redeem and the statement credit posts within one billing cycle every time.
Educational content for new investors is written in plain English without being condescending or purely promotional. Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Credit card application was approved and then rescinded three days later with no appeal process whatsoever available.
Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Login failures have been constant for three weeks and the only answer from support is to update the app again.
Had to switch banks after moving and the new account was set up and funded within a single afternoon. Charge dispute credit stuck permanently after investigation rather than being clawed back a month later without warning. Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office.
Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit.
Had a six month argument about a double charge that was eventually fixed only after I threatened a regulator complaint. BNPL buy now plan was approved for a purchase, then the merchant could not actually process it at checkout.
Loan prequalification used a soft pull so I could shop rates without hurting my credit score at all. Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Fee waiver for the premium account was honored exactly as the original sign up offer described it. Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess. Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
BNPL plan was clearly explained, with no interest and no late fees as long as I paid on time. Opening a checking account took less than ten minutes and the debit card arrived three days later as promised.
Fees are reasonable for the basics, but any out of network ATM withdrawal gets hit with a surprise charge.
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.
Mobile check deposits are held for ten business days even for small amounts from well established employers. Account yield advertised on the website did not match what posted to my statement for two straight months in a row. Overdraft protection transfer failed because of an obscure rule I was never told about, and the fee was charged anyway.
Interest paid on idle cash in the brokerage sweep is competitive instead of the usual pennies from legacy brokers. Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant.
Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle.
Charges are mostly transparent, though the paper statement fee was buried in a mailing most people would ignore. Business banking is adequate, though the integrations with accounting software feel outdated compared to newer fintechs.
Rewards program is simple to understand and I actually earn enough cash back to notice at year end. Account closure was handled quickly with no retention haggling and the remaining balance was mailed as a check.
Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days.
Overdraft fees stacked on top of each other for a single bad weekend to the tune of over a hundred dollars.
Statements included interest charges on balances that were paid in full before the grace period had even expired.
Fees are listed in one simple schedule with no asterisks and nothing has surprised me on a statement yet. Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes.
Really a middle of the road experience, where nothing is bad enough to leave but nothing stands out either.
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.
Customer service hours shrunk without warning, and now there is no way to reach a human agent on weekends at all.
Lost access to my own account because of a two factor authentication loop that nobody at support could unwind. Customer support hung up on me twice during the same call after I politely asked to speak to a supervisor. Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck.
Really regret opening this account, because the fee schedule was fundamentally different six months after I joined. Credit limit was slashed without any explanation after a full year of perfect on time payments on every bill.
Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season. Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin.
Mobile check deposit cleared the same business day for amounts well above the usual low threshold. BNPL approvals showed me the full repayment schedule up front with no surprise balloon payment at the end. Fee free ATM network covered me on a road trip across four states without a single out of network charge.
KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions.
Interest on the high yield savings account posts monthly and matches what the website advertises up front. Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed. Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
Credit card application was approved quickly, but the credit limit assigned felt lower than my profile warranted.
Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds. Loan payoff quote was wrong by several hundred dollars and the servicer admitted the error only after I pushed back.
Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it.
Mobile app home screen widget shows balances and spending without needing to open the full app each time. Mobile notifications are instant, so I know when a merchant swipes my card before I even leave the counter.
Decent for buying and holding index funds, but options traders will find the chain tools pretty barebones here.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio. Instant funding for new accounts meant I could trade the same morning I opened the brokerage online. Interest on the high yield savings account posts monthly and matches what the website advertises up front.
Statements are formatted so clearly that reconciling to my bookkeeping software takes about three minutes a month. Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.