Was happy till I saw the $35 overdraft fee for being $4 short on a monday morning. 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.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.
Switched from my old bank in July and I'm honestly mad I waited this long lol. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
Promised 1.9% APY in the mailer, actual rate was 0.42%, read the fine print kids.
Lost my debit card on vacation and had a replacement at the hotel the next morning.
Closing on the house happened 9 days early because the loan officer actually answered emails.
Decent. Fine for direct deposit and bills, wouldn't trust them with anything complicated like a business account.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
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. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.
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.
Dispute worked for a $240 duplicate charge but it took 47 days and I had to call three times just to check status. Credit limit increase went through same day which was nice, then they randomly dropped it two weeks later with zero explanation.
The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
Had my identity stolen month-end and the fraud team called me, not the other way around.
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.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Great.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.
Fine for direct deposit and bills, wouldn't trust them with anything complicated like a business account. Interest rate on their heloc is competitive but the application was like 60 pages of pdfs and I had to re-upload my w2 twice. Did a wire transfer to pay a contractor and the $30 fee was expected but the 3 day hold on the other side wasn't disclosed anywhere.
They refunded a double charge from the taxi without me even having to upload a receipt.
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. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.
Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Had my identity stolen month-end and the fraud team called me, not the other way around.
They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Lost my debit card on vacation and had a replacement at the hotel the next morning.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
Switched from my old bank in July and I'm honestly mad I waited this long lol.
Insurance claim took 47 days to deny and the reason given doesnt even match my policy document. Branch closed at 4pm sharp while I was standing at the door at 3:58 and the manager waved me away. idk how a transfer to my own account at another bank takes four business days in 2026 but here we are.
Mobile check deposit worked on the first try with my cracked phone camera, miracle.
Promised 1.9% APY in the mailer, actual rate was 0.42%, read the fine print kids. Nope.
Closing on the house happened 9 days early because the loan officer actually answered emails.
Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
signed up for the premium tier for lounge access and most of the lounges in my city aren't even covered anymore, kinda bait and switch.
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.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. deposit cleared same day instead of the 3-5 business days nonsense I'm used to. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.
deposit cleared same day instead of the 3-5 business days nonsense I'm used to.
They froze my card at a gas pump in the middle of nowhere because buying $31 of fuel is apparently suspicious behavior now.
The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
Had my identity stolen month-end and the fraud team called me, not the other way around.
App is clean, no popups trying to sell me a credit card every time I check my balance.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. 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.
Credit limit increase came through automatically after 6 months of on-time payments, no application. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
ugh the fraud alerts are so trigger happy, three declines in Lisbon last month and none of it was actually sketchy. 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.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.