I switched to Simple over a year ago and never looked back. The goals feature within simple is incredibly helpful. It allows me to stow away some money after each paycheck into buckets for rent and bills so that what I see my account balance really is 'safe to spend'. I live easier knowing I am far less likely to accidentally spend something I intended on setting aside. Bravo, simple.
I have had several different experiences with WebBank. Some were excellent while others were pretty bad. I think the difference is less bout WebBank itself and more about the companies who are using WebBank to provide credit for them or back up their loans. For instance- Gettington, I love them. Have had nothing but positive experience with Gettington. My limit started at $1000. and now about 4 months later is at $2000. Now My experience with loans are different- Paypal Working Capital- excellent! Great terms, I'm on my 3rd loan with them. First was $7500. Second was about 17,000. Third was 25,000. - these are offered through Paypal but are from WebBank. Lending Club- Not quite as simple as Paypal but still not bad, got money in less than a week. Terms aren't good though, very high interest. Avant- flat out turned me down. I received a pre- approval notice. Went online and was approved upto 25,000. I asked for 15,000. This was a Sat. evening and within 10 minutes I got a call. This was a rep for Avant, he talked so fast. I had no Idea what he was saying most of the time. Five minutes after that call I received a "Notice of Adverse Action" email from them turning me down. So there you have it. WebBank can be both excellent and terrible, depending on the company they are representing.
troytwo's review was:
Everyone near a One West Bank should visit one to see what the other banks have lost: (1) Employees not abused by profit-at-all-cost corporations, (2) Employees not forced to recite corporate speeches, (3) No lines.
Seriously, the regular parking spots 10 feet from the front door of the Torrance office are NEVER occupied at lunch time!. None of the OWBs ever have a line! In Torrance, Hermosa and Manhattan Beach their employees are happy to see you - yay it's a customer!
Sure, I need a secondary account at a major bank so I can do interstate transactions and such. But it hurts to wait in those long lines and deal with the scripted-by-management conversations.
I've always had excellent service from OWB - they even called both times when I messed up, to fix things and prevent penalty fees.
Summary - only negatives with OWB are needing a secondary bank for interstate transactions, and my fear that the lack of customers will result in bankruptcy and ruin this unbelievably great company.
markpm's review was:
I first opened an account with this bank in 1995, and have enjoyed a wonderful relaltionship with it ever since. I got my first credit card through them, and they even recommended a security program for my computer, with a trial to try! If I had issues with online banking that I needed help with, they were there for me. No question was to insignificant to be answered in a professional, thorough way. I'm just the average custormer, but always been made to feel like royalty at any branch I go to. I would gladly recommend Union Bank to anyone.
Catsissie's review was:
Can not find where I authorized a hard credit pull in the application. Kept my money for a week after walking cashiers check into there office before telling me they were decking my application. No reason given. I just think they should be transparent about the process. They should tell you about credit pull, that they may decline you and notify you faster. I made several calls to find this all out. Instead they promote themselves as the Everyman broker with all of these benefits. In reality they are only interested in big money accounts with individuals with perfect credit. I also do not know what bearing credit has when you are not borrowing money.
Redbird72's review was:
Wachovia was my first bank when I was still a teenager turning to 18, I have this bank since 2004 until it turn over to wells fargo. Wachovia is nice and professional staff, they work with me all the way and also recomment me to use the cards that benefits me in the futures. So to me, they were rating 10/10... my parents have Bank of America, but I don't like there policy... there always a limited on wiithdrawing funds and withdrawing limit even though the money in my the account, and staff at BofA always being unprofessional and keep asking questions when everytime you make a withdrawn.
holong2002us's review was:
Rate is better than nothing. Service is friendly however becoming more and more unprofessional. Responses to secure Email take several hours, and sometimes they request security codes for trivial things. Not knowing them delays it even further.
Some junk fees on the account as well. I am thinking about moving away. Would NOT recommend.
beateweissus's review was:
I have been with AMBK.com for over 10 years, and their service, and perks are almost unbeatable. They always have a higher than average interest rate on their free checking. And the ATM refund fee program is great too.
When I started their rate was 6% now its about .40 but its still better than a lot of other bigger banks, and I use the prepaid deposit envelopes without any issues. I highly recommend them!
As Canadians moving temporarily to the US for a job, setting up accounts RBC Bank (US) was helpful for getting a US credit card with a higher limit than we would have been able to get a a different bank, since we have no US credit history. However -- we just discovered that RBC's online banking does NOT support downloading credit card transactions to financial software like Quicken. They'll do it for checking accounts, but not credit card accounts. For people like us who use a Quicken-like program (Moneydance) to track all our spending & budgeting and use our credit cards a lot, this is big incentive to just get a lower limit card with a different bank. Disappointing that they're so behind the times.
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