Banking Reviews


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4 People Helped
Helpful to 4 out of 5 people

Sure, they have a great interface to their site and the mobile app is exactly what a bank's mobile app should be, but oh my god do they make it insanely difficult to access your money. Their $5K daily cash advance limit is really the only real-time access you have to anything over the $1K ATM withdrawl limit, there's an $8K/day spend cap on your card, you get no paper checks, can't do wire transfers, and should you want to receive anything resembling a check quickly because $5K as a cash advance isn't enough, you need to pay them $58 to send you a treasurer's check overnight. 

What good is a bank if you can't have unfettered access to your own money?

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ericlitman's review was:    

 
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22 People Helped
Helpful to 22 out of 32 people

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.

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markpm's review was:    

 
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6 People Helped
Helpful to 6 out of 6 people

I see some negative reviews here... and I don't get it at all. I've been using them since 2007, so for eight years now, and it has been the most amazing experience. When friends tell me they use Chase or BoA, first I laugh at them, then I yell at them to switch to Schwab. I've gotten maybe 7 converts thus far. 

(As of 2015): Free checking account WITH INTEREST, free checks, free ATM card, No international ATM fee, All ATM fees nation-wide reimbursed (this is life-changing), 24-hour phone support with almost immediate pick-up, Decent mobile app. Integration with investment accounts. Deposit check by phone.

A couple things stand out. I have to call them about twice a year because I have a question, and they are ON IT, and it makes me so pleased. Once, I mis-calculated one of my stock trades and was like $6 over, and I couldn't add money because it was an IRA. They lowered their trade fee by that amount to make it work. 

The negative reviews here seem a bit circumstantial, and related to checks and some odd-ball circumstances, which no one should be doing anyway because of the mobile deposit phone app. 

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officialmarc's review was:    

 
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9 People Helped
Helpful to 0 out of 1 people

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.

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Catsissie's review was:    

 
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0 People Helped

Products from here are fair to middingly ... service is wonky .... but usual to the rash of bank/stores coming from utah ...

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ColinWilliams's review was:    

 
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1 Person Helped

I had received one of those fraudulent checks from somewhere and the tellers were all very busy when I made the deposit, not knowing it was a fraudulent document.  By the time I got home and had put groceries away, the teller manager called me to inform me that they were not going to honor the deposit, as it was a fraudulent check, and if they put it through and it came back, it would cost me a lot and I would have to do a police report on it and other headaches could incur.  I do appreciate the care and concern they have for their customers.  Rantoul Illinois Walmart Store location.

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clc2358's review was:    

 
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18 People Helped
Helpful to 18 out of 25 people

I have been banking with Everbank for approximately 2 years now and I am very happy with them. They provide higher rates for their savings accounts than all local banks, their customer service has been top notch anytime I've needed to call and they provide many ways to get in touch with them. I particularly like the Twitter option. Since opening my accounts with Everbank, I have since refinanced my mortgage with Everhome Mortgage and have been pleased with them.

My only complaint with Everbank (if you could even call it that) is their application process. At the time I opened my account, I had to Fedex (which they paid for) my application and a check for my opening deposit to their offices. I would imagine that in this day and age their could be a simpler way to do this. Overall, it was a relatively smooth process as their customer service helped me throughout. I am very happy I switched from Wells Fargo/Bank of America to Everbank and would highly recommend it to anyone who is considering Everbank for their banking needs.

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jdibella's review was:    

 
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11 People Helped
Helpful to 0 out of 1 people

I have automatic insurance payments set up so when I checked my account on the 15th and didn't see any money taken out I decided to pay manually to avoid any late fees from them messing something up with the payments.

Turns out the payment went through, so last friday I talked to a representative who told me the money would be back in my account on monday. Monday rolls around and sure enough no money and my account is overdrafted because of this. I talk to another representative who waives the Over Draft charge and she tells me that the representative whom I spoke to on the phone on friday never put in my inquiry for the $142 to be put back into my account, that they had charged me twice for. So she tells me that it should only take a day or two and the money will be back in my account. Well sure enough, again, this morning Tuesday, April 21, I wake up to find my account over drafted AGAIN and no sign of the $142.

They decided to bill me for something as my account was already negative, causing another over draft. I attempt to talk to billing again and I got hung up on.

Called back and I asked to speak to a supervisor and was not granted this request (there was no supervisor around they said). So now I am told that I have to wait until Thursday for the money to be back into my account all the while my account is Over Drafted. I have no money and I'm about as upset and disgusted with this so called bank as one can imagine.

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anon0716's review was:    

 
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Helpful to 8 out of 10 people

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!

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Helpful to 16 out of 20 people

Honestly I was not aware of nationwide bank until I read reviews on this forum.  After reading happyingeorgia 's review I applied online (Thankyou happyingeorgia for posting your experieince, I owe it you). In my case they did a Drive by Appraisal and total it took 10 business days for approval. The best part was I got a very good rate 3.75% ( prime+.5%) whihch I did not find anywhere else... they give some discount for opening a bank account with them which I did online as well.. Overall very pleased with the experience. Also their customer support was very responsive and helpful whenever I called them for status update.

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