Froze my account immediately after I made my first initial transfer and are demanding additional banking information that was not requestred initially. Literally will not let me access my money or transfer it out. Beyond frustrating and extremely shady institution.
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.
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.
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.
MY MOTHER GOT ME ACCO UNT AT CHARLES SCHWAB HIGH YELID CHECKING AND INVESTOR ACCOUN. THEY DID NT KNOW WE WERE PEOPLE COLOR, THEY LOCKED MY ACCOUNT DIDNT SEND MY MONEY BACK, THESE PEOPLE ARE HIGHLY CONSERVATIVE WHO RUNS CHARLES SCHWAB, AND VERYT INTOLERANT. USE TO BE GREAT COMPANY BUT VERY BAD NOW, THE WERE REPORTED TO THE OFFICE OF CONTROLLED OF CURRENCY IN WASHINGTON FOR A FULL INVESTIGATION
I opened this account 20 years ago when my financial situation was sketchy at best. They helped me work through my wayward era of overdrafts and skin-of-my nose bill paying onto a more stable financial threshold. The biggest upshot of USAA is how well they have tied their services together through the online portal. This makes it very simple to get an overview of all your accounts (such as insurance and car loans) and then manage payments and transfers directly. Perks abound and you don't have to scry all the fine print for hidden penalties. There have been hiccups and occasional disappointments with customer service but these have been exceptional by their rarity. That said, I've never had the slightest difficulty getting an actual person to talk to and a full explanation of the issue in question.
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!
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.
I moved our reserve funds from a totally underperforming HSBC account (it used to be high interest but ended really low.) The reason I picked Everbank's high-yield money market was not only that they had a good introductory rate, but they promised that the rate thereafter would always be in the top percentile for rates (advertised as, "Don't worry"). Fast forward several years, when I was checking out rates for a relative, and it turns out the current rate is nowhere near the top. When I called their representative, she said that was true only of the introductory rate, even though their representations were otherwise. Goodbye Everbank.
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