US consumer bank, cards and loans
My overdraft got waived twice this year because I asked nicely, try that at a big bank haha. They refunded a double charge from the taxi without me even having to upload a receipt.
Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.
Lost my debit card on vacation and had a replacement at the hotel the next morning. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. They refunded a double charge from the taxi without me even having to upload a receipt.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
Had my identity stolen month-end and the fraud team called me, not the other way around.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
Fee structure is written like it was designed to confuse you and I pay a bank for that privilege.
Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Mobile check deposit worked on the first try with my cracked phone camera, miracle. App is clean, no popups trying to sell me a credit card every time I check my balance.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.
They refunded a double charge from the taxi without me even having to upload a receipt. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.
Closing on the house happened 9 days early because the loan officer actually answered emails. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
Mobile check deposit worked on the first try with my cracked phone camera, miracle. deposit cleared same day instead of the 3-5 business days nonsense I'm used to. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.
App is clean, no popups trying to sell me a credit card every time I check my balance. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.
Switched from my old bank in July and I'm honestly mad I waited this long lol.
The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.
deposit cleared same day instead of the 3-5 business days nonsense I'm used to. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. Credit limit increase came through automatically after 6 months of on-time payments, no application. Had my identity stolen month-end and the fraud team called me, not the other way around.
Credit limit increase went through same day which was nice, then they randomly dropped it two weeks later with zero explanation.
signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.
Great. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.
Mortgage team was great, super responsive, but the servicing side after closing is a different company and they lost my autopay setup twice. Decent.
Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
Lost my debit card on vacation and had a replacement at the hotel the next morning. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.
Had my identity stolen month-end and the fraud team called me, not the other way around.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. Mobile check deposit worked on the first try with my cracked phone camera, miracle.
Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Mobile check deposit worked on the first try with my cracked phone camera, miracle.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. Lost my debit card on vacation and had a replacement at the hotel the next morning.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.
They refunded a double charge from the taxi without me even having to upload a receipt. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Great. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.
Closing on the house happened 9 days early because the loan officer actually answered emails.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
Mobile check deposit worked on the first try with my cracked phone camera, miracle. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.
App is clean, no popups trying to sell me a credit card every time I check my balance. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.
Switched from my old bank in July and I'm honestly mad I waited this long lol.
The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.