Educational content for new investors is written in plain English without being condescending or purely promotional. Really like that external transfers can be scheduled recurring without needing a separate bill pay module.
Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store.
Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made. Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Debit card chip failed within three months and the replacement took almost two weeks to arrive by mail. Credit card application was approved and then rescinded three days later with no appeal process whatsoever available.
Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit. Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store. Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old. Mobile check deposits are held for ten business days even for small amounts from well established employers.
Pleasantly surprised that the branch manager personally called after a mix up with a wire to apologize. Account funding from an outside brokerage completed in about four business days end to end with no hiccups. Signing up for the Roth took about six minutes and the first contribution cleared the next business day.
Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season. Business line of credit was approved based on actual cash flow rather than only backward looking tax returns.
Business credit card perks actually align with what a small business spends on, like software and online ads.
Customer support hung up on me twice during the same call after I politely asked to speak to a supervisor. BNPL plan reported a late payment to the bureaus even though I paid on time, and getting it removed took weeks. Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time.
BNPL plan was clearly explained, with no interest and no late fees as long as I paid on time. Fingerprint login almost always works on the first try and the fallback PIN flow is sensible when it does not.
Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office.
Push alerts can be fine tuned to only trigger above a dollar threshold, which cut the noise down dramatically.
Instant funding for new accounts meant I could trade the same morning I opened the brokerage online.
Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed.
Signed up for a bonus offer and completed every requirement, but the credit never posted and support had no answers.
Credit score tracking is built directly into the app with no upsell to a paid monitoring service. 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.
Decent for buying and holding index funds, but options traders will find the chain tools pretty barebones here.
Pending deposits are released early, often by a full day, which has saved me on timing a few bills.
BNPL plan reported a late payment to the bureaus even though I paid on time, and getting it removed took weeks.
Account closure was punitive, with multiple holds and a check that did not actually arrive for over a full month.
Interest rates are decent, but promotional APR offers often come with transfer fees that erode most of the savings.
Options chain is laid out well with implied volatility and open interest easy to scan at a glance. Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan. Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available.
Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day. Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio. Credit card accepts Apple Pay and Google Pay provisioning immediately on approval rather than days later.
Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit. Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day.
Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee. Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office.
Fraud charge appeared on my card and the dispute was denied twice despite clear evidence it was not me. Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it.
Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Statements are clear enough, though the mobile app shows transactions in a different order than the website does. Credit score monitoring is included, but the score shown is not the same one most lenders actually pull later. Mobile app has nice visuals, but the search function does not reliably find older transactions by merchant name.
Lost access to a crypto account because of a device change and support could not restore it despite valid ID verification. Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it. Credit card application was approved and then rescinded three days later with no appeal process whatsoever available.
BNPL buy now plan was approved for a purchase, then the merchant could not actually process it at checkout. Account was flagged for fraud so often that I eventually gave up and switched to a different bank entirely last year. Account statements have had calculation errors in two of the last three months, with no apology or correction letter.
Customer service hours shrunk without warning, and now there is no way to reach a human agent on weekends at all. Branch staff were openly rude and dismissive when I came in with a legitimate problem about a lost wire transfer.
Trade confirmations arrive instantly and the tax documents are organized perfectly at year end for my accountant. Pending deposits are released early, often by a full day, which has saved me on timing a few bills. Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Interface for the trading platform is confusing enough that I accidentally placed a market order instead of a limit. Login failures have been constant for three weeks and the only answer from support is to update the app again.
Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Had to switch banks after moving and the new account was set up and funded within a single afternoon. Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing.
Mobile check deposits are held for ten business days even for small amounts from well established employers. Signed up for a bonus offer and completed every requirement, but the credit never posted and support had no answers. Mortgage servicing transferred three times in two years and each new servicer lost paperwork from the previous one.
Really appreciate that overdraft fees are capped per day and often waived outright on small amounts. Phone agent took ownership of my issue and followed up two days later to confirm it was fully resolved.
Statements included interest charges on balances that were paid in full before the grace period had even expired. Account bonus terms were changed after I signed up but before I qualified, moving the goalposts out of my reach.
Setting up automatic transfers between checking and savings took about a minute from the mobile app. Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week. Fee waiver for the premium account was honored exactly as the original sign up offer described it.
Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes. Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed.
Fee waiver for the premium account was honored exactly as the original sign up offer described it. Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck. Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds.
Order routing clearly prioritized payment for order flow over best execution on every single large order I placed. Overdraft protection transfer failed because of an obscure rule I was never told about, and the fee was charged anyway.
Account yield advertised on the website did not match what posted to my statement for two straight months in a row.
Secondary market for fractional bonds works smoothly and spreads are tighter than I expected for retail orders. Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle.
Rewards points are easy to redeem and the statement credit posts within one billing cycle every time. Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch. Options chain is laid out well with implied volatility and open interest easy to scan at a glance.