I have an 805 Credit score and have worked in the same industry for 15 years, have been at my home for 5 years. I normally get the lowest interest rate on everything i apply for. 5/3 bank rep at the branch told m e the HELOC rates are a "touch" above 3. After i jumped through all the hoops, sent all the required info, they came back w/ a 5.25% rate. I was floored. My brother applied for one w/ a different bank and got a 2.99% rate. The rep went on to tell me that the lowest they can give anyone is 3.9%, because they do prime + .4%, which is still high and something he should have told me when i asked him in the 1st place before i applied. Look around at other banks and you can find a much cheaper rate.
I was approved for this card and initially indicated a balance transfer on the application. Prior to receipt of the car, I called customer service to find out my limit and learned that it was not high enough for a balance transfer so I cancelled it. Subsequently, I received a letter confirming the balance transfer cancellation. However, several weeks later, the BT was done anyway. This bank has denied any and all responsibility and accountability for this and blamed it on the third party company that processes their balance transfer. Yeah, right. I am suing. Stay away from this bank!
Surprise charges and mediocre customer service..but no worse then any other bank..but STAY AWAY FROM THEIR ATMS. Bank employees have acknowledged that their atms lose checks,eat cards, and lock up on A DAILY BASIS. deposit everything in person, and DOCUMENT EVERYTHING