I honestly don't understand all the negative reviews on this, especially about the online banking. I personally love 5/3rds online banking and app banking. I have seen my wifes online banking for another company and it was god awful and looked like something from the 90s lol...
But the card itself, I've had since probably... 2012? Being now 2017 I have not had an automatic increase. My Credit limit is $300 and has remained that way since I have never requested an increase. I am currently building back up my credit at the moment to apply for another card from Chase (hopefully their Unlimited Card).
The card allows you to do online transfers (payments) if you have a bank account with 5/3 as well. The interest on a cash withdraw seemed a bit high when I had to a couple times.
Other than that I personally love the card and wish I could just request my increase right now. But I really don't want a set back when I'm trying to build for a higher CS.
Oh and I applied for the card in person and got approved that day at the bank.
THIS CARD DOES REPORT POSITIVE CREDIT REPORTS EVEN WHEN THE CARD ISN'T USED IN THE MONTH.