ISSUE 048 · SATURDAY, OCT 16, 2021
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Visa

On the record

Global cards and payment rails

Money DeskSan Francisco, USvisa.com
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The record

5,414 dispatches on file

Mia WilliamsOn the record
Filed Aug 30, 2021
5 / 5

Aisha at the branch is a gem

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Megan KennedyOn the record
Filed Aug 30, 2021
4 / 5

Insurance paid out quick

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.

Jude BrownOn the record
Filed Aug 30, 2021
5 / 5

Worth switching for

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.

Ruby MurrayOn the record
Filed Aug 30, 2021
5 / 5

10/10 would bank again

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.

Alba EvansOn the record
Filed Aug 29, 2021
4 / 5

Call center was great

Switched from my old bank in July and I'm honestly mad I waited this long lol. They refunded a double charge from the taxi without me even having to upload a receipt.

Oisín MooreOn the record
Filed Aug 29, 2021
5 / 5

Best rate I found

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. They refunded a double charge from the taxi without me even having to upload a receipt.

Niamh ThomasOn the record
Filed Aug 29, 2021
4 / 5

Refund hit at 7am

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

William Carroll
Filed Aug 29, 2021
5 / 5

No fees, no fuss

Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold. Closing on the house happened 9 days early because the loan officer actually answered emails.

Hamish Johnson
Filed Aug 28, 2021
5 / 5

Keeper.

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.

Dervla DalyOn the record
Filed Aug 28, 2021
5 / 5

Big win on the APR

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.

Yui IchikawaOn the record
Filed Aug 28, 2021
3 / 5

Decent, with caveats

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.

Ichiro OgawaOn the record
Filed Aug 28, 2021
4 / 5

Painless, actually

Great.

Koji ShibataOn the record
Filed Aug 27, 2021
4 / 5

Legit saved me

No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Tetsuya YamaguchiOn the record
Filed Aug 27, 2021
1 / 5

Lost an $8k wire

Charged me $300 twice on a Tuesday and the app just said transaction pending for six days before anyone even looked. Fraud team called me from a number that looks exactly like a scammer and got mad when I hung up on them. quoted me £89 as a late fee for a payment that cleared on the due date, took me 3 weeks of emails to reverse.

Shao TangOn the record
Filed Aug 27, 2021
5 / 5

Decent app, better humans

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. deposit cleared same day instead of the 3-5 business days nonsense I'm used to. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Xue LongOn the record
Filed Aug 26, 2021
4 / 5

Approved same day

App is clean, no popups trying to sell me a credit card every time I check my balance.

Zhi TengOn the record
Filed Aug 26, 2021
5 / 5

Mortgage closed early

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Mei DuOn the record
Filed Aug 26, 2021
4 / 5

Finally a card that works

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Xiaoyan NieOn the record
Filed Aug 26, 2021
5 / 5

Aisha at the branch is a gem

Had my identity stolen month-end and the fraud team called me, not the other way around. Great.

Chao Zhao
Filed Aug 25, 2021
5 / 5

Insurance paid out quick

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.

Joyce MitchellOn the record
Filed Aug 25, 2021
4 / 5

Worth switching for

Closing on the house happened 9 days early because the loan officer actually answered emails.

Peter Gray
Filed Aug 25, 2021
3 / 5

Mostly okay

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. App crashes every third login on my pixel but when it works the transfers are quick enough.

Dominic ColeOn the record
Filed Aug 25, 2021
4 / 5

Call center was great

signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Amy FischerOn the record
Filed Aug 24, 2021
5 / 5

Best rate I found

Lost my debit card on vacation and had a replacement at the hotel the next morning.

Eric VanderbergOn the record
Filed Aug 24, 2021
4 / 5

Refund hit at 7am

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.

Grace KingOn the record
Filed Aug 24, 2021
5 / 5

No fees, no fuss

They refunded a double charge from the taxi without me even having to upload a receipt.

Jessica KellyOn the record
Filed Aug 23, 2021
5 / 5

Keeper.

Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Christopher SimmonsOn the record
Filed Aug 23, 2021
5 / 5

Big win on the APR

deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Evelyn EspositoOn the record
Filed Aug 23, 2021
5 / 5

Shocked at how fast

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Noah O'Connor
Filed Aug 23, 2021
2 / 5

Nope.

Hold music is literally the same 14 second loop and I counted because what else was I going to do for 51 minutes. They sent my new debit card to an address I moved out of in 2023 even though I updated it twice online.

Levi LeeOn the record
Filed Aug 22, 2021
5 / 5

Legit saved me

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.

Nicole StewartOn the record
Filed Aug 22, 2021
5 / 5

Fraud caught in minutes

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.

Samuel JenkinsOn the record
Filed Aug 22, 2021
5 / 5

Decent app, better humans

Switched from my old bank in July and I'm honestly mad I waited this long lol. They refunded a double charge from the taxi without me even having to upload a receipt.

Diana OwensOn the record
Filed Aug 22, 2021
4 / 5

Approved same day

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.

Ashley LevyOn the record
Filed Aug 21, 2021
5 / 5

Mortgage closed early

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.

Andrew Jones
Filed Aug 21, 2021
2 / 5

Froze my card, no reason

quoted me £89 as a late fee for a payment that cleared on the due date, took me 3 weeks of emails to reverse. Branch closed at 4pm sharp while I was standing at the door at 3:58 and the manager waved me away.

Madison CampbellOn the record
Filed Aug 21, 2021
5 / 5

Aisha at the branch is a gem

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. Credit limit increase came through automatically after 6 months of on-time payments, no application.

Elijah BennettOn the record
Filed Aug 21, 2021
1 / 5

Avoid this bank

They froze my card at a gas pump in the middle of nowhere because buying $31 of fuel is apparently suspicious behavior now.

Renée WestOn the record
Filed Aug 20, 2021
5 / 5

Worth switching for

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice.

Janet Schneider
Filed Aug 20, 2021
4 / 5

10/10 would bank again

Great. 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.

Minami GotoOn the record
Filed Aug 20, 2021
4 / 5

Call center was great

No minimum balance, no monthly fee, I pay zero to use my own money which is wild. 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.

Chiaki Kawasaki
Filed Aug 19, 2021
2 / 5

They don't want your business

They sent my new debit card to an address I moved out of in 2023 even though I updated it twice online.

Junko ShimizuOn the record
Filed Aug 19, 2021
5 / 5

Refund hit at 7am

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. deposit cleared same day instead of the 3-5 business days nonsense I'm used to. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Yumi ImaiOn the record
Filed Aug 19, 2021
4 / 5

No fees, no fuss

App is clean, no popups trying to sell me a credit card every time I check my balance. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Lian YaoOn the record
Filed Aug 19, 2021
5 / 5

Keeper.

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.

Saki MatsuiOn the record
Filed Aug 18, 2021
5 / 5

Big win on the APR

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. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back.

Bin He
Filed Aug 18, 2021
5 / 5

Shocked at how fast

Had my identity stolen month-end and the fraud team called me, not the other way around. Great.

Mingyu KangOn the record
Filed Aug 18, 2021
5 / 5

Painless, actually

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.

Qiao ZhangsunOn the record
Filed Aug 18, 2021
5 / 5

Legit saved me

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.

Wen Xiao
Filed Aug 17, 2021
5 / 5

Fraud caught in minutes

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.