Seren Bell
Filed Jun 22, 2021
5 / 5
Finally a card that works
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.
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.
Overdraft of $2.14 cost me a $38 fee that posted before the deposit they already had pending, make it make sense.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. App is clean, no popups trying to sell me a credit card every time I check my balance.
Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.
Interest on the card jumped from 18% to 27% with a notice buried in a 14 page PDF nobody reads.
deposit cleared same day instead of the 3-5 business days nonsense I'm used to.
Switched from my old bank in July and I'm honestly mad I waited this long lol. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
The 15 digit case number they gave me doesnt even exist in their own system, I checked twice.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
Mid at best.
The app logs me out every 90 seconds and the fingerprint login just stopped working last month with no update notes.
The chat agent definately knew what she was doing, fixed my joint account access in under 10 min. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.
Avoid.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.
Fraud team called me from a number that looks exactly like a scammer and got mad when I hung up on them. They lost my wire for $8,200 and spent two weeks telling me it was my receiving bank's fault, it wasn't.
Scam alert. The app logs me out every 90 seconds and the fingerprint login just stopped working last month with no update notes.
Had my identity stolen month-end and the fraud team called me, not the other way around. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.
Phone support picked up in 3 minutes which shocked me, then transferred me twice and nobody could actually fix the pending charge.
Mid. Their insurance covers alot of stuff on paper but when I actually claimed for a cracked windshield it took 6 weeks to get $280 back.
I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.
Their investing side is clean, fractional shares and all, but the 0.25% advisory fee adds up fast and the robo-portfolio is nothing special. Could be worse honestly.
Closing on the house happened 9 days early because the loan officer actually answered emails. Great.
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.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.
Opened a checking account on a Tuesday and it took 22 minutes just to verify my ID, which is wild for a bank that advertises instant signup. Cashback is fine but the 1.5% they advertise is actually tiered and I didn't realize untill my statement showed $18 instead of the $80 I expected. chip reader on the card died after 4 months and getting a replacement took 9 business days which is insane in 2026.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. App is clean, no popups trying to sell me a credit card every time I check my balance.
Never again. Promised 1.9% APY in the mailer, actual rate was 0.42%, read the fine print kids.
signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.
Interest on the card jumped from 18% to 27% with a notice buried in a 14 page PDF nobody reads. Called support, waited 38 minutes, got hung up on, called back, waited another 22, ugh.
Switched from my old bank in July and I'm honestly mad I waited this long lol. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.
Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. Lost my debit card on vacation and had a replacement at the hotel the next morning.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. They refunded a double charge from the taxi without me even having to upload a receipt.
Great. Mobile check deposit worked on the first try with my cracked phone camera, miracle.
The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.
ATM network is fine in cities, pretty rough in rural areas, had to pay $4.50 three times last trip in Vermont. Mortgage team was great, super responsive, but the servicing side after closing is a different company and they lost my autopay setup twice.
Was happy till I saw the $35 overdraft fee for being $4 short on a monday morning.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.
The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.
Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.
Scam alert. The app logs me out every 90 seconds and the fingerprint login just stopped working last month with no update notes.