Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made. Customer support offered to call me back at a specific time instead of making me hold on terrible music. Compared half a dozen banks on fees and this one came out ahead by a meaningful margin on every category.
Transfers between my external bank and this one post same day instead of the usual three day ACH wait.
Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days. Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes.
Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Business line of credit was approved based on actual cash flow rather than only backward looking tax returns. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after. Credit score tracking is built directly into the app with no upsell to a paid monitoring service.
Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan.
Transfers to external accounts work, but the daily limit is low enough to be inconvenient for larger moves. Had a mixed experience, where the website was easy to use but the mobile app required constant app updates.
Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store. Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available. Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Wire transfer was lost somewhere in the correspondent chain and nobody at this bank even tried to trace it. Account closure was punitive, with multiple holds and a check that did not actually arrive for over a full month. Account yield advertised on the website did not match what posted to my statement for two straight months in a row.
Trading commissions are low on paper, but routing fees and other hidden costs make the all in price much higher. Overdraft fees stacked on top of each other for a single bad weekend to the tune of over a hundred dollars.
Investment research includes third party analyst reports without requiring a premium subscription or upsell. Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups. Platform stayed online through a major market move while a few competitors reportedly went down completely.
Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle.
Options chain is laid out well with implied volatility and open interest easy to scan at a glance.
Educational content for new investors is written in plain English without being condescending or purely promotional.
International travel debit charges came through with zero foreign transaction fees for the entire two week trip.
Rewards points are easy to redeem and the statement credit posts within one billing cycle every time. Pending deposits are released early, often by a full day, which has saved me on timing a few bills.
Deposited a large check and the funds were fully available the next morning instead of a long ten day hold.
Compared half a dozen banks on fees and this one came out ahead by a meaningful margin on every category. Options chain is laid out well with implied volatility and open interest easy to scan at a glance.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin.
Secondary market for fractional bonds works smoothly and spreads are tighter than I expected for retail orders. Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Fingerprint login almost always works on the first try and the fallback PIN flow is sensible when it does not. Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
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. Platform stayed online through a major market move while a few competitors reportedly went down completely.
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.
Credit card chip and tap transactions work overseas without any extra verification pop ups in the app. Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch.
Mobile app crashes on launch half the time, forcing me to reinstall it or clear data just to get in. Account closure was punitive, with multiple holds and a check that did not actually arrive for over a full month.
Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell. Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes. Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Debit card has been declined at random merchants with no fraud alert and no answer from support about why. Fees doubled quietly after a terms of service change that was buried in a long email most customers would ignore.
Investment research is available for free, but the quality is uneven across sectors and asset classes. Fees are reasonable for the basics, but any out of network ATM withdrawal gets hit with a surprise charge.
Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon. Rewards points are easy to redeem and the statement credit posts within one billing cycle every time. Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing.
Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions. Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Interest on the high yield savings account posts monthly and matches what the website advertises up front.
Credit card accepts Apple Pay and Google Pay provisioning immediately on approval rather than days later.
Account opening was straightforward, though I was never clearly told what minimum balance would avoid fees. Interest rates are decent, but promotional APR offers often come with transfer fees that erode most of the savings.
Fees doubled quietly after a terms of service change that was buried in a long email most customers would ignore.
Both of us were added to the joint account in a single video call and the cards arrived together a week later.
Fee waiver for the premium account was honored exactly as the original sign up offer described it. Loan payoff statement arrived within two business days of my request, exactly as the website had advertised.
Mortgage closing was efficient, though the pre approval process involved more document duplication than it should have.
Statements show fees for services I never signed up for, and the opt out link in the app does not actually work.
Really solid platform for buying and holding broad index funds with no transaction fees and clean reporting.
Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes. Both of us were added to the joint account in a single video call and the cards arrived together a week later. Loan servicing portal clearly shows principal, interest, and escrow splits for every monthly payment I make.
Credit score tracking is built directly into the app with no upsell to a paid monitoring service. Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Account statements have had calculation errors in two of the last three months, with no apology or correction letter. Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign. Really regret opening this account, because the fee schedule was fundamentally different six months after I joined.
Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Setting up automatic transfers between checking and savings took about a minute from the mobile app.
Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time. My wire transfer to Europe cleared in under an hour and the exchange rate was close to the mid market.
Loan servicing portal shows the right numbers, but printing a payoff statement is unexpectedly difficult to do.
Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls.