Wire transfer was lost somewhere in the correspondent chain and nobody at this bank even tried to trace it. Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign. Account bonus terms were changed after I signed up but before I qualified, moving the goalposts out of my reach.
Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign.
Opening a checking account took less than ten minutes and the debit card arrived three days later as promised. Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration. Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Statements show fees for services I never signed up for, and the opt out link in the app does not actually work.
Had my identity stolen and the fraud department made me prove I was myself in increasingly absurd and demeaning ways.
Account yield advertised on the website did not match what posted to my statement for two straight months in a row.
Really like that external transfers can be scheduled recurring without needing a separate bill pay module. Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck.
Branch staff were pleasant, though the manager was less helpful than the teller when I asked a complex question.
Loan prequalification used a soft pull so I could shop rates without hurting my credit score at all. Opening a checking account took less than ten minutes and the debit card arrived three days later as promised. Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit.
Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Statements included interest charges on balances that were paid in full before the grace period had even expired. Debit card has been declined at random merchants with no fraud alert and no answer from support about why.
Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store. Mobile app home screen widget shows balances and spending without needing to open the full app each time.
Had okay results with their robo advisor, though the fees eat into any outperformance over a plain index fund. Credit card application was approved quickly, but the credit limit assigned felt lower than my profile warranted. Reasonable crypto exchange for spot trading, though withdrawal fees to external wallets vary without any explanation.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups. 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. Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio.
Interface for the trading platform is confusing enough that I accidentally placed a market order instead of a limit.
Mobile app home screen widget shows balances and spending without needing to open the full app each time. International travel debit charges came through with zero foreign transaction fees for the entire two week trip. Statements are formatted so clearly that reconciling to my bookkeeping software takes about three minutes a month.
Trading platform is stable most of the time, though it has gone down during a couple of major news events.
Business credit card perks actually align with what a small business spends on, like software and online ads.
Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it.
Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions.
Customer service rep stayed on the line until my wire actually hit the recipient account on the other side. Really like that external transfers can be scheduled recurring without needing a separate bill pay module.
Alerts work well for large transactions, but smaller ones occasionally slip through without any notification at all. Account opening bonuses are real, but the fine print requires a direct deposit setup that caught me off guard. Trading commissions are low, but the margin interest rate is noticeably higher than the industry average lately.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
Credit score tracking is built directly into the app with no upsell to a paid monitoring service. Compliance team walked me through the beneficial ownership forms patiently and never made me feel like a suspect.
Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants. Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Opening a checking account took less than ten minutes and the debit card arrived three days later as promised.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all. Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess.
Transfers between my external bank and this one post same day instead of the usual three day ACH wait. Low spreads on major currency pairs and no sneaky conversion markup on top for international wire transfers. Credit limit was raised automatically after six months of on time payments without me having to call and ask.
Interest on the high yield savings account posts monthly and matches what the website advertises up front. Spoofing filters caught two phishing emails pretending to be from the bank in just the last month alone. Pending deposits are released early, often by a full day, which has saved me on timing a few bills.
Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan. Love how fast travel notifications post, so my card never gets flagged mid transaction while overseas. Compliance team walked me through the beneficial ownership forms patiently and never made me feel like a suspect.
Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds. Signed up for a bonus offer and completed every requirement, but the credit never posted and support had no answers. Branch staff were openly rude and dismissive when I came in with a legitimate problem about a lost wire transfer.
Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day. Customer service rep stayed on the line until my wire actually hit the recipient account on the other side.
Lost access to my own account because of a two factor authentication loop that nobody at support could unwind.
Signed up for a bonus offer and completed every requirement, but the credit never posted and support had no answers. Had a six month argument about a double charge that was eventually fixed only after I threatened a regulator complaint.
Low spreads on major currency pairs and no sneaky conversion markup on top for international wire transfers. Business banking tools include invoicing and bookkeeping exports, which saved me from paying for a separate app.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Business banking tools include invoicing and bookkeeping exports, which saved me from paying for a separate app. Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon.
Credit card chip and tap transactions work overseas without any extra verification pop ups in the app.
Account yields look attractive until you factor in the monthly maintenance fee if you dip below the minimum.
Customer support hung up on me twice during the same call after I politely asked to speak to a supervisor.
Pleasantly surprised that the branch manager personally called after a mix up with a wire to apologize. Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls.
Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Had to escalate to a state regulator before anyone at this bank would actually look at my complaint seriously.
Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old. Mortgage servicing transferred three times in two years and each new servicer lost paperwork from the previous one.
Transfers between internal accounts are instant, but external ACH still takes the full three business days to clear. Really a middle of the road experience, where nothing is bad enough to leave but nothing stands out either.
Setting up automatic transfers between checking and savings took about a minute from the mobile app. Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants. Rewards program is simple to understand and I actually earn enough cash back to notice at year end.
Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it. Overdraft fees stacked on top of each other for a single bad weekend to the tune of over a hundred dollars.
Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed. Really appreciate that overdraft fees are capped per day and often waived outright on small amounts.